ATP: SWAjet is right on the money...I couldn't have said it better myself. Follow your dreams and dont look back at all the people who pi$$ an moan on this or any other site. (I ignore all those folks)
I too started late and recently had a sim partner in a 121 operation who was 48 and on his second career. The way I look at it is in 10 years do I want to be flying my dream job that I worked hard for or do I want to be sitting at home, posting negative quips on an aviation BB wondering what it would have been like if I put half as much effort into achieving my goals as these folks put into whining?
My 2cents worth: Copy and print what SWAjet said previously and read it everyday! Hope to see ya in the pilot lounge one day! Blue skies!