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Apologies for reviving an old thread, but your argument here is incorrect. They are not saying that she is nearly 4 decades old. Instead, they are saying she is "nearly in" or in other words about to start her fourth decade (which begins the moment a person hits age 30). If they meant to say that she was almost 40 years old, the sentence would be more along the lines of: "nearly at the end of your fourth decade".

You are focusing too much on what a decade is and missing the context of the entire sentence

A decade starts at 10 years... You are not 1 dacade the moment you are born.  10 years=1 decade, 20 years=2 decades, 30 years = 3 decades, 40 years= 4 decades...  Thus if the lady is 26-29 she is Almost 3 decades old not 4 decades old. 

A decade is simply a period of 10 years. The word 'decade' itself does not have any inherent positional meaning. Ergo, your understanding of the word is incorrect. The start of a 10-year period is in fact year 0. The 10th year would mark the end of that decade; not the start.

That said, I don’t believe there’s anything more I can add that would change your perspective. So I’ll leave things here