25 is the magic number


Do you know how car insurance rates drop when you turn 25? Why that’s the moment an insurance company decides you are a fully formed adult who can drive a car safely enough to not charge you an arm and a leg?

It is worth thinking about this when you are looking at your staff.

That drop is not arbitrary. The actuarial nerds at the insurance company are not guessing.

They have decades of crash data showing the brain piloting the car at 21 is meaningfully different from the brain piloting the same car at 26. So your premium drops.

The myth and science have long been debated on this topic. Many still believe that around 25, on a biological level, the prefrontal cortex finishes coming online. That is the part of your brain handling risk assessment, long-term planning, and impulse control. It starts wiring around age 12 and doesn’t finish up until your mid-20s.

Which means the 19, 20, or 21-year-old standing in front of you in a counselor t-shirt is still under construction.

Camp says it is in the youth development business. The campers count, obviously. The staff count too. Adolescence does not end the day someone signs a camp hiring contract and gives you their social security number.

The brain runs through three states as it builds.

Survival state in the toddler years, when the only question is “Am I safe?”

Emotional development state through elementary school, when the question is “Am I loved?”

Executive development state, the long one. It runs from 12 until around 25. The question becomes, “Can I figure this out and make a plan?”

That last state is still wiring well into the years your staff is working summers for you.

Remember how your feedback might make staff crumble? This is part of why. If a 19-year-old does not feel safe in the conversation or cared about by the person delivering it, the executive part of their brain does not get to drive. The emotional state takes the wheel. And the conversation goes off the road.

Once you know this, the leadership move is simple. Stop saying things to your staff implicitly. Start saying them out loud.

“We want to take care of you the same way you're going to take care of the kids.”

Say that to your staff this week. Mean it. Then go do it.

This is not about lowering the bar. Your staff can run a great cabin, hold a high standard, and also be 21 and still developing. Both can be true.

The car insurance company already figured this out. The camps that figure it out next are the ones whose best staff stay on the road with them.

Sincerely,
Dan Weir

Senior Consultant at Immersive1st

dan@immersive1st.com


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