It is too late when you are dead!
Dreams are lovely things. Nightmares aren't! Then there are realities, and the process of realising what you dream of, can soon turn to the other if you are unrealistic in your expectations, or fail to do the proper research and study. Also try not to fall into the trap of being blinkered by only what you want to see, and hearing only what you want to hear.
If you want it badly enough, and you feel you have the determination to succeed, then start embarking on the proper research. Even in these forums (and I wouldn't rely on simply them) you will find a wealth of information that not only addresses most of your likely questions, but also will raise hundreds more that you probably never even gave a moments thought to.
Whatever it is that you seek at the end of your particular rainbow, I hope you find, but if you want to hear advice that suggests the "water is lovely and warm," I am afraid that I have some bad news. It isn't!
As you walk into the casino with $100K to drop on a roulette square and your heart full of hope, it is worth remembering that the prize you are seeking is also being pusued by thousands of experienced pilots, whose own experience value runs into millions of dollars in some cases. Some of them will have lost $100k jobs as well, and in the present climate will not be expecting to find anything similar soon.
Be realistic, be very realistic!