Is it too late to start working on my financial situation?
The only thing that can prevent you from being successful in the area of personal finance is you. It doesn’t matter how old you are or how much debt you have, you can start right now and begin improving your financial picture.
Depending on your situation and your age, you may not be able to retire with no worries, but by beginning today your situation will be better than if you wait until tomorrow. In other words, if you don’t start, you will never finish.