Senior moments aren't just for seniors anymore.

Anyone can have a brain hiccup no matter how old or young they are -- but the latest research shows that the cognitive slide we usually associate with aging actually begins earlier than anyone would have thought.

Much earlier.

And if you're in your 40s, I've got some bad news for you: Your brain may have already passed its peak, and it's not getting any better from here unless you do something about it.

More on that in a moment -- but first, the study that's going to be hard to forget: A look at data on 5,200 men and 2,200 women who took part in the Whitehall II study of British civil servants finds that people begin a noticeable cognitive slide at the age of 45.

Over a 10-year period, men and women alike who were between 45 and 50 at the start of the study saw declines in every category except vocabulary, with an average drop of 3.6 percent in overall mental ability.

Men between 45 and 50 also experienced a 4 percent dip in reasoning and thinking skills during that 10-year period, while women saw a decline closer to 5 percent.

Obviously, older volunteers had even bigger drops -- senior men suffered a 10 percent loss in thinking and reasoning, while senior women lost about 8 percent.

But the fact that younger people experienced any decline at all should be a wake-up call to take the actions now that can save your brain later -- and that action should start with the simple B vitamins available at any health food store.

The Bs help control the most essential parts of brain function, everything from mood to muscles to memory -- and if you boost your intake now, you can protect all three... especially that memory.

Studies have shown that seniors at risk of cognitive decline can slow, stop and even reverse the slide by upping their levels of B6, B12, and folate -- but as the new study shows, you don't want to wait until you're a senior to start getting your Bs.

Start today... no matter how old -- or young -- you are.