Settling down is such a scary term in many ways, for me someone telling me to settle down is almost as bad as when they ask me what I cam going to be when I grow up.
I think by 58 I perhaps should have done both but i just haven’t sent he point of it, Sure i am married ( OK for a second time) have a few kids a house etc but honestly I do not see myself as settled down, I am seriously considering buying an RV and cruising all over htis country when I retire for a year or 5 :)