Wow, 31 years old with all this knowledge, half-way through colleges sounds like a great place to buckle down and apply the learned lessons. Of course it is not too late. My experience was very similar and I am a very happy 55 yo man that feels much younger and has abundant things for which to be grateful. I don't know how many times at your age and even before, I thought, "my life is over". I just really had not a clue that there were possibilities beyond my belief at the time. On the other side of the coin had I continued to do what I had been doing the results would have been vastly different.