Hi Marty, I know what you mean...
I was asking because I'm currently 33, and completed most of my flight training up to CPL including ME Endorsement/ Multi CIR and happily now have the House paid off too and no debts.
The whole "experience commensurate with age" thing laid down by the likes of QF had me thinking that it probably wasn't worth trying to pursue things further.
However, the current state of the industry is making me think otherwise.
I'm having a very serious think about doing an Instructors Rating, and Instructing on a casual/part time basis whilst keeping my current work, until I have enough time (between 500- 1000hrs) to be of some use to an operator for a full time gig.
And then- who knows- anything could happen given some predictions for this industry!