The world is full of middle aged and older
men who say " If only I had .....'
Most of them have same problem -they lacked the courage to make a life changing decision.
The answer, take responsibility for ones own life and dreams, and make a decision, don't pass the buck to someone else.
it is better to reach old age with memories and experience (the
Government can't tax them or take them from you) rather than unfulfilled dreams and regrets.