(for the record, I have not read any of Sky's replies as he is a bitter guy who cannot say, "I took a chance, it didn't work out, oh well, now I need to move on")
You have an (apparently) stable job making enough that you could raise a family, plan for retirement, and the kids' schooling if you live within your means. Flying is a risky business. If you go 121, regionals are at the mercy of the mainlines. The mainlines are at the mercy of management and the economy (ask any Pan Am, TWA, ect pilot). Part 135 jobs are kinda in between (although a few are pretty solid ie Mountain Air). Corporate jobs are at the mercy of the economy (when times are tough, the first thing to go is the company jet). Part 91 jobs can be solid IF it is with a company that has dealt with airplanes before and is in an industry that cannot go south (ie oil or natural gas).
I don;t know if you have or want kids, but 121 will mean you will miss roughly half of their lives. 135 cargo will be better, but if Johnny's game is on a Tuesday night, you will miss it. Corporate can be anything from home every night to "I'll see you next Christmas."
I started at 31 and between medical issues, international affairs, recessions, buy outs, and bad luck it has been a hard row to hoe. Now, at 46 and after closing two good 135 companies, I am making less than what I made as a high school teacher in the late 80s and that is BEFORE inflation.
Do I regret it? No, I wanted to be a pilot since I knew airplanes could fly. But I am as single guy, no kids, who is willing to deal with high risk. What are YOU willing to deal with?
My advice:
If it is in your blood, if you are willing to get to a point you think "I've made it", have the bottom drop out, and then say "Well, that didn't work, let's try XXX", then YES, you should try it. But if you are the faint of heart, have a family with no other income, or cannot save a bunch of money for the inevitable rainy day, then NO. Stay where you are, grind it out, live modestly, hug your kids, and be happy knowing you are a good, common man.
(and for all of us common men, I present
http://www.youtube.com/watch?v=Xzf0rvQa4Mc. For those who do not know the history of the the piece
http://newsgroups.derkeiler.com/Arch.../msg00039.html)