Don't know why people are voting you down. I'd rather hit middle-age penniless but full of experience and no regret, than look back and say "Well, I sure managed to scrape by in life without taking any chances or attempting any of my dreams!" There are plenty of stories of people who didn't start successful business until their 40s but the net effect of the preceding 20/30 years gave them a massive boost (e.g. http://en.wikipedia.org/wiki/Duncan_Bannatyne).