Norman2,
I was 33 when I decided to change career. I'd been in the Civil Service for 16 years and had held a PPL for 10. I didn't have a bean to my name, but with about £20K of equity in my house I decided to sell it and beg and borrow the remainder required to go to Cabair at Cranfield for the ATPL. I did the ATPL Groundschool then the BCPL (it was still CAA rules at that time) and then the approved BCPL-CPL/IR Upgrade.
I now fly Airbus A320/321 for a living and feel that, despite a few hardships along the way, changing to a career in aviation was the best thing I ever did. If you want something badly enough just go for it !
Good luck.
GF