Obviously it's easier to write about characters in your own age group. A 17-year-old can't write a 40-year-old character from personal experience; he or she must then use observation.
I actually prefer writing characters in their early 20s. In Chronicles of Taer, my main character starts out fairly young, but she ages throughout the book. This aging presents new obstacles and better understanding, and it's really fun to look at the extremes. She starts out naive, timid, and helpless, but over time she is forced to adopt stronger qualities that will allow her to not only survive, but to lead as well.
So there.
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