Hi PeterDublin,
I am 36 ( nearly 37) and am only half way through ATPLs. Estimate to be finished all ratings and licences by time I am 38 ( and maybe a few months). I am not worried about my age, airlines need pilots! May not get a rhs on an A320 or 737 straight away, maybe an ATR flying regional for a while. So what? Will eventually get the job that I want. People older than you have done it, if you can take the finacial risk, go for it. Go modular and minimise the cost, be clever and don't waste time. It is a slog but if it was easy everyone would be doing it!! I don't regret it and THERE IS NO GOING BACK!! The disapointment would be too hard to bear, and besides, best not to doubt too much, just have to keep working at it and hope that it will all fall into place. Going modular gives you the step by step approach which allows you to evaluate each step and then decide whether to carry on to the next level... without blowing a stack of cash all in one go.
Best of luck whatever you decide
PM