Everyone's experience with hair loss is probably as different as we are all from each other. It seems genetically difficult to predict who will become bald, because there is some truth to the old wive's tale about baldness being inherited from the mother's father.
"You inherit baldness from your mother's father."
Previously, early baldness of the androgenic type was thought to be sex linked dominant in males and to be sex linked recessive in females.[citation needed]
Research suggests that the gene for the androgen receptor, which is significant in determining probability for hair loss, is located on the X chromosome and so is always inherited from the mother's side.[38] There is a 50% chance that a person shares the same X chromosome as his maternal grandfather. Because women have two X chromosomes, they will have two copies of the androgen receptor gene while men only have one. However, research has also shown that a person with a balding father also has a significantly greater chance of experiencing hair loss. Men whose fathers had experienced hairloss were 2.5 times more likely to experience hairloss themselves, regardless of the mother's side of the family.[39][40]
Source:
https://secure.wikimedia.org/wikipedia/en/wiki/Baldness
Chimera, where exactly have you noticed the hair thinning? Is it everywhere? The crown of your head? Has your scalp changed?
For me, the bangs area of my scalp have changed and I have a widow's peak. On my crown, I cannot tell if I have a "burn spot" or a "bald spot." I am considering chemical treatment. My dad is bald, his brother is in his early 60s or late 50s and is starting to finally go bald, but the men in my mother's family have full heads of hair. So for me, I'm still not sure what's to come for me. My older brother has a high forehead but is not "bald" I would say. I'm 26 and I feel like I still have some time to turn things around. I didn't notice a "maturing" forehead until I was 24. I'm planning on looking through old pictures of my dad to see when he started to lose it.
Also, there is talk of side effects of Finasteride, but this seems to be rare:
"Finasteride has been well tolerated in all studies, with a discontinuation rate similar to that of placebo. Sexual side effects were the most common, with 3.8 percent of the treated group experiencing decreased libido, erectile dysfunction or decreased volume of ejaculate, compared with 2.1 percent of the placebo group. Breast enlargement and tenderness, reported with use of the 5-mg dose, has not been reported with the 1-mg dose used to treat balding. Prostate-specific antigen (PSA) levels may be lowered with chronic finasteride therapy, hampering the diagnostic value of the PSA test. Finasteride should not be used in women or children. It is a known teratogen, and the manufacturer recommends that the tablets not be taken or handled by pregnant women."
Source:
http://www.aafp.org/afp/1999/0415/p2189.html
You can also massage the scalp to increase circulation to your hair. Good diet, B vitamins, exercise, and protein help.