How much wiser did you become after your early 20's?

I have been told that “nobody at age 22 knows much of anything.” I am in my early 20’s and was wondering if there is much truth in this – especially in today’s changing social dynamics regarding the new “emerging adulthood.” How much do you feel you have matured since 22? Would you say you were clueless or not at all? The only thing I know for certain is that when I turn 25 I will instantly become a better driver (according to the ins. companies!)