It's never too late, but there is some age bias in hiring. You probably aren't going to work for a hot startup but there are plenty of interesting jobs, especially if you have some kind of domain specific knowledge that you can apply. My dad switched careers around 40 and went back to school and became a programmer until he retired in his 60's. He did a lot of payroll systems stuff. He worked for hospitals, insurance companies, manufacturing companies etc, starting out doing Cobol but kept up to date and in the end was doing .NET. In the beginning he took whatever job he could get and we moved around a lot, but it can be done. :)

Thanks - I do have some domain knowledge. I don't have to work for a hot startup...I'd rather work for somewhere a tad more stable. :) Done the startup thing a few times as a writer.