This is a fascinating exercise.
I took my first HAL cruise in 2008 at the age of 26.
Made ⭐⭐ in 2010 at 28yo actually during my birthday that year
Made ⭐⭐⭐ in 2011 at 29yo just after my birthday
On track for ⭐⭐⭐⭐ in early 2023 at 41yo (unless I can somehow manage 38 points on my 7 day cruise this year!)