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Never. Not what you want to hear,but hear me out. Because if it safes your sanity it is worth it.
I got my apprenticeship as a paramedic first and then went back to school to get my full A-Levels. Specialized school we have here,thankfully for these cases. The oldest one of my classmates was 52.
I studied economics with someone who was 55 and basically had already done the job we all wanted when we graduate for 25 years. He did so so he finally would get a more comprehensive background and maybe get up the ladder once more. (Which according to linked in he did)
I currently do another master (in a distant education setting,though) simply out of interest in the field and to broaden my CV. And you know what? I am 25 years in my field and still learned a fuckton of things, got a better network, love the research field AND got so much better at my job AND found a lot of opportunities.
An former paramedic trainee of mine was almost 50 when he started paramedic training. He was a C level executive before and at one point had enough - he changed careers so he would not get even more depressed and is now very happy with it. And I had multiple people do that in my bubble.
Now,from my current perspective: Was it stressful? Fuck yeah. I literally cried sometimes. Was it a tough time financially? Fuck yeah. I am self employed/have a small company and I had month were making ends meet was really though due to the added expenses and the lost revenue. But it still was worth it. Because: For what it's worth we all gonna need to work till 70+x anyway to afford retirement. And that's a long time.
Now that sounds really depressing. Workworkwork and when you're finally free, you're too old to really enjoy it all. I retired in my 20s, and now, 30yrs later I still don't have enough time in a day to enjoy all hobbies. I couldn't imagine having to wait until I'm 70. An unfair and shitty system ๐
How did you "retire in your 20s"? How do you support yourself? Family money?
Nah, family's dead and was also poor. I was lucky to be an IT-guy when the net started and had my company until i got bored. As long as i have food and can support my hobbies, I don't need much anyway :)