It's never too late. It's only the mind which holds us back.
Once our subconscious mind accepts something as true, it makes that belief “our reality”; the power of our inner mind is so magnificent that it makes us who we are based on the beliefs that were formed during our childhood.
Here’s something Morpheus says that really hit home for me “These are the minds of people we are trying to save, but until we do, they are our enemies. Many of them are so hopelessly dependent on the system that they will fight to protect it.
My house, with big plot of land and a barn, cost me 7k btw although i guess i've spent another 15k or so renovating. Fortunately i don't have to earn a living so don't need to work, although i do unpaid online "work" by choice to help "save the world" :-)