A lot of it is genes. I noticed my first one at 16. I'm 29, and, I'm about 30% grey, now. My mother was 100% by the time she was about 36 or so. Hey, think of it this way, at least you can dye it. :) I know with balding in your genes, it's a lot harder to deal with. But, yeah, I'm looking forward to a head full of gorgeous silver hair, my mother's is wonderful. But, I'm not looking forward to it til I'm at least 50. ;) So, for now, dyeing is a part of my hair care routine.