One of my colleagues is a sixty year old PHP developer who was a nurse in the army until he was 45, decided to get a degree from Open University and took it from there.
I'm 37 and studying with the Open University. With full-time (non-technical) work and a family, the time demands can be quite high (so high that I don't have time to work on my own project) but I think the benefits of a structured education can't be overstated.
Never too late.