By the time I hit 50 I also hit the highest debt owed due to bad past financial decisions.
Got laid off at 50. Got offered the job at lowest salary ever. That was the lowest point in my life. No future. Huge dept. Age. Miserable pay (Canada). Driving miserable dying, rusty Ford escort.
Got hired as a consultant for bank. While working as a consultant I built some prototypes for data analytics company that I liked.
In a year offered the management job at that same data analytics company + relocation to Bay area.
Accepted.
Paid all debts. Got green card. Accumulated savings. Working in a great place. Mostly from home. Travel at my leisure. Visiting and training customers. Doing lots of things i love now. Driving BMW 5xx.
Super happy now!