Ok...let me see if I can put this into idiot terms for you TL

You are right TL, on 12/30/00 she was 22.

To make this easy, assume she turned 23 on December 31, 2000 (12/31/00).

We talked to her on 01/01/01. This year she turns 24 on 12/31/01. NEXT year is 2002...and at the end of next year (12/31/02) she will be 25...

Simple as that...