Jeff,
Not being negative, but this has been done to death. There’s loads of information that will help; do a search in wannabes or have a look in the last couple of weeks posts and you should find what you are looking for immediately.
Personally it all seems to come down to the individual and their circumstances. I personally don’t believe 31 is too old - but then again I’m 32, so am a little biased.
Best of luck
LF