There is an ancient Chinese proverb that says: the best time to plant a tree is 25 years ago, the second best time is now. Basically, it's saying that it's never too late to start. If you want something different in your life then get started. You want to lose weight, you want to save for retirement, you want to start a business. Sure things might be easier if you had started earlier in life. Those kinds if thoughts are useless. You cant travel back in time to change your history. Who cares what you should have started years ago. If you have a goal for your life then get started now!