JCristin,
Although I am a few years younger than you (not many, I still wear bifocals), you and I are in the EXACT same situation, except that I am married (AFTER a divorce and the kids are grown).
Now is OUR TIME. Like you, I have had that itchy dream banging around in my head since I dropped out of college to join the navy in the early 80's.
The HELL with all the doom and gloom. As a retired officer, I have a great retirement check and pretty good benefits. A rather minimal salary will suffice. That isn't even the point. The point is to NEVER be one of those sad people who say, "coulda, shoulda, woulda...."
The Law is calling, and we WILL persevere. Semper Audere!