The key to solving life's problems? To be able to learn from your own experiences, others' mistakes, to be able to research and analyze, and to exercise self-discipline. We are living in an age of information overload. However, having all that information at your fingertips, makes researching so much easier.
As we go through life, we encounter problems we never ever dreamed we would have to face. But, each previous experience has prepared us for that. And we know we will get through the next one.
The best way to solve problems is to prevent them! One example of this is practicing sound financial planning. It's pretty much guaranteed that your car will need things - tires, batteries, starter, etc. The same for houses. And you might need some dental work. So, by planning some of these "unexpected" expenses into the budget will help.
Other problems? I was fortunate to work with a group of people, many of whom were older than me, and, to have the time at work to be able to discuss some of life's experiences. You need to be able to sort out the advice, and be selective of who you get it from. Not everyone who is older has figured it all out!
I find that it sometimes helps to write the problem down, and list the options available to me, and potential consequences of each option. This helps me to better visualize what it is I'm dealing with. And, once you decide to do something, it relieves a lot of the stress - it's making the decision that is the stressful part!
Hope this helps!