I can speak to this question in terms of changing careers. I was 38 with an established and successful career, but it wasn't fulfilling. With my wife's support and urging, I decided to pursue a degree/career in nursing (I'm in the U.S.). Fortunately, her career allowed me to leave my job and attend university. I realize you're not in a similar situation, but perhaps you could take a couple of years and prepare yourself financially to go to school full time? I do not regret my decision at all. Nursing is obviously a challenging career, but it is very rewarding if helping people is something you truly want to do. Life's too short to be unhappy. Money is great and it definitely makes many things in life easier, but it also isn't everything. One last bit of advice, perhaps you could take a few classes at a community college? I spent a year taking pre-requisite courses at a community college before attending university full time. It allowed me to see if I had what it took, academically, to assume the rigors of a full academic load nearly 20 years after I graduated with my first degree. Best of luck!