Im 34 in a secure well paid job.I plan on going to Jerez next year to do my ATPL.
Now i dont have mortgage/wife/kids etc so it makes it easier for me but if you want to challenge yourself and you are not afraid of investing the money with no immediate pay back then go for it.
However if you start to doubt yourself too much and the effect it will have on you and your family then maybe just buy the beer instead.
I dont mind the risk but its a lot of dosh when you have a family.