There are a lot of outside stuff that also sometime makes you think you don't have that long left. I am 36 my parents are both and died in their 50s. Could my path be half over? I don't think so but you never know. But you still have to plan for the future.
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Yes, you're right. A lot of outside stuff makes you think that you are too late. You should have done this, done that. The thing is, they are saying from their perspective, not yours. It's your life. You decide what to do and when to do.
Thank you @stever82 for your comment! Really appreciate that!