To make significant changes! Sorry for the bold but I'm not talking about - lose a couple of stone, spend a year at college to train as a teacher, buy a new house.
I mean it's too late to completely steer your life in a different direction. Careers which pay a lot of money tend to be ones people commit to early on. If you haven't got much in the way of savings or got into good habits money wise it's hard to change that mindset. If you've had an ingrained mental health problem for over twenty years then it's probably a bit late to treat it successfully.
So AIBU?
I sort of hope so but also want honesty but NOT a kicking. In a bad place and all.