Oh snap! Well i hope it isn't because i'm in the same boat as you! To give you another point to think about, you will be 65 someday, how would you feel looking back on it and never having tried?
I don't think we're at a disadvantage at the 30ish stage, but pilots before us have made it, even well into their 40s some people were taken on as cadets by BA.
Go for a trial flight anywhere, when I took off I knew then and there, without any way of financing this thing I've got to at least try my best! It might make things clear for you too.