What we do, we improve. However one solves problems, that path to a solution is reinforced. Next time a similar situation is presented, a similar path will be tried. The faster one learns, the faster and more automatic this process is.
For me, this felt like I already knew the best way to do anything familiar, and rarely rethought processes. I tended to skip from problem directly to solution, without processing all the decisions between problem and solution.
A few years ago, I noticed that these bright efficient paths weren't always ideal. That some groupings of problems may not be ideal. That I was forcing the solutions that worked so well for similar problems, and rounding errors.
So I have spent the last year or two trying to break open those bright pathways, separate out the ideal problem/solution combinations, and breaking the threads that were non optimal. This increases the likelihood of processing similar problems anew, rather than following a path that works, but not as well as it could.
Now this process feels stupid. I am intentionally making problem solving slower and more difficult. I feel a bit stupid. But it needs doing if I want better solutions.
The end result is that my brain was optimized for learning presented ideas in my youth. And I was very good at it. I thought it made me smart. (Evidence to support this theory is much harder to find when looking back that I assumed it would be...

But just because I see the world in a particular way, does not make the world change to match my model.
What I am trying to explain is the difference in types of tasks and learning that happens later in life is very different from the tasks and types of learning we engage in as young adults, and completely different from learning presented information as youths. Skill in one circumstance often fails to translate to other circumstances. This isn't a drop in intelligence, this is development of new skills.