Encouraged by what Send Clowns said. I'm 52 and so don't think 38 is old :-) I'd love to walk into a RHS anywhere but realistically I think I've a better chance of doing CPL.FI and becoming a 'career' PPL instructor albeit a shorter career than most. Am taking a year out to do it. Passed my first 8 ATPL exams last month, hopefully the next 6 in March and the the fun bit - though where to do the CPL is causing me some grief!!
I would dearly love to do an IR but something tells me that would be a waste of money at my age.
I wish I was 38 :-)
Good luck
Az