All the guys at my flying club appear to be old duffers. (older than 33 for sure). The house is paid for, the kids have left the roost and they're at a loose end. So there is no problem with actually learning to fly....
..the problem appears to be getting a job. If you're really determined then I will wish you good luck.
PS there is always instructing-would you trust a young instrutor as much as a crumbly old one?
*ducks for cover*