MDC - follow your dreams - don't let others steal them. I am just starting - got 3 ATPLS under my belt and PPL and about 110 hours Total time. I am 35, doing it alongside my career.
I figure If I get ajob then hooray, if not I've got some good training and had some fun, and i've still got the day job.
Bottom line - if you don't do it will you look back aged 70 and say "what if"? If you will then theres no choice really.