Story of my life! I'm a 30 year old application developer. I had the same chat with my Dad. I majored in something else, the salary was a lot better, and I have been enjoying an easy life with nice toys.

Life happened while I was making other plans. I can't say it was all bad - things happen for a reason. I met my wife, was able to be home while my Dad was terminally ill, and learned a lot about life in general.

It's been a good trip but I'm considering a lot of the same things you are. I don't have shiny jet syndrome; I'd just like to fill the desire to fly professionally because it was my original goal. Consider outside the box options.

As much as we're both behind the curve, It wasn't wasted time. I might not like the cubical, but the education and experience is always there if I need it! Back when I was instructing in college, I knew a guy who was a CFI and also a CPA. He came in to pick up a few students. A few weeks later he started helping out in the accounting department. Several months after that he started flying King Air charters too. He built some quality time while collecting a decent paycheck. Network and use all of your skills. They might just set you apart from everyone else with a CFI/CFII/MEI.