Age really shouldn't enter into the equation unless one starts asking about where you live or ask for your phone number or something like that. So long as the other person can't find you then a friendly chat shouldn't be a problem. I would also be concerned if the chat turned into something sexual.
I'm way old but have a great many friends that are under 20. I guess this has something to do with my moding game forums. Or it could be that I have never grown up?
