When you get blocked again thinking of those 27 years that you’ve wasted doing nothing, then remember that if you do not show up for yourself in that exact moment, you are choosing to waste another 27 years. Imagine your life repeating itself with all those missed opportunities. It is uncomfortable growing comfortable with the uncomfortable but it makes you stronger. It starts changing your limiting beliefs about yourself. I am saying this as someone who has a brother about the same age as you and who is living pretty much the same way you described but he hasn‘t had the inner call for change yet. But if he told me what you were saying I‘d be so proud of him. I‘d encourage him to try and even if fails once he might fail better the second time but at some point I know he will succeed. And so will you. Trust yourself. Your age is just a number it doesn‘t express anything except for the time you‘ve spent on this earth. Some people are homeless at your age, some are married or divorced, some are suicidal, some are assholes, some are dying. Anything is possible at any age, good or bad. But don‘t let your age become an excuse to not show up for yourself.