I am the age you are dreading. I too basically put off my dreams raising kids but I didnt know what my dreams were to be honest. Now I know what I would like to do but I am too old and disabled to do what I would like to do. It hoovers. Like you said, there arent enough years or money to put into an education to make it worthwhile to go back and get a degree in something that I really would like to do.
I do have an associates degree that I got in my mid twenties but it wouldnt carry over now so I would have to start all over again. It isnt even in the field I would want to go into now. So now I just live vicariously through other things. Its tuff.
