Well, in this phrase, 'old too soon' might be related to the fast - paced modern life that makes people feel aged prematurely. 'Smart too late' could be that we often learn important things about life, like the value of true friendship or the importance of family, only when a lot of time has passed. And'my story' emphasizes that this is a personal account of experiencing this premature aging and late - coming wisdom.
It seems to convey a personal journey where the person feels they've aged quicker than they would have liked. Maybe due to not taking good care of themselves or being in difficult situations. And the 'smart too late' part could be that they finally understood how to better their situation or make wiser choices, but it was after a long time had already passed. This is their story, a story of growing old faster than expected and becoming wise when it was almost too late.
I think it's about a sense of missed opportunities. One gets old before they've fully grasped how to live smartly. It's like they've wasted some of their youth and are now reflecting on it as their story.