I am glad to know that you plan to do the seedlings. You should not worry about its time frame with your age. My teacher still did seedlings at age 85 and now he is still interested doing cutting at age 92. Nothing wrong with doing seedlings, especially at your age. I have been in this hobby for about 11 years and have been growing a lot of Korean black pine, Japanese black pine from the seeds. I am always excited to watch my "kids" (yes, I consider them as my kids with the same treatment, probably less

) every time I step into the garden. In training the seedlings from young age, it gives me a lot of experience which no book or teacher can give it to me, Why? Because no one is growing trees in my garden except me. Besides, when you start thinking of seedlings, you should understand that the final goal for that tree may not be the same in reality. During the training process, I sometimes have to follow the tree's wish. Every year, in pruning season, when I pull that particular tree out for training, I always find some new idea about what the next step should be. This process has been giving so much fun to work with black pine seedlings. It continues triggering my brain, my thinking process. I believe it is a must for keeping the people from dementia, Alzheimer's disease. As you know, our US elderly population is bigger and bigger. With that in mind, you would see more people with dementia. So, growing the seedling is one of ways to fight back the dementia. I know a lot of old Japanese people doing bonsai lived long without any memory loss! My teacher is still able to drive on the freeway without problem, still remember a lot of things to which I wish I could do the same when I am up to his age.
Besides that fact, with $100, I can buy a lot of black pine seeds with some material to prepare for seedlings. In 10 years, you will have a lot of pines to take care. It will keep you busy all days which is needed for retired people. I know quite a few people don't want or scare of retirement. I asked them why. They said they did not know what to do if they retired!!! If you want to buy more development prebonsai, you may find only one and it may not be easy to be trained!! With one finished tree, it is not enough to occupy your time when you retire!
I agree with others' suggestion, when you have more experience with black pine through seedlings, then you can easily buy one mature black pine later on.
Some people on this forum have very nice black pine seedlings after 10 years grow.
I like to show you two of my 10 years old Korean black pines. It probably needs 5 more years to reach final goal.
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Two of 6 yo Japanese black pine seedlings
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I hope you will have a good decision regarding to this matter. Good luck to you.
Thụ Thoại
p/s: hand on experience is a must for the beginner. No other ways around.