It is never too late for anything. The key is to understand yourself and pivot to the next level up. If you get stuck with jobs and turn 40, now you are already thinking retirement. The fears "who is going to hire me?". The options become limited. The worst situations show up as ugly faces. Knowing you are down and they will push you down further. Rather, take on a different spin. Learn. Take care of your body. Don't sit around, rather create opportunity. Be hungry. Stop complaining. Build passion for things you enjoy that can generate income. Be happy.