Too late or not too late
Blaming it on “it’s too late” is a safe excuse for not doing something. It’s an exit before entering a place you don’t want to be in. Remember when you were 20 and “too late” wasn’t part of the vocabulary?
The concept of time is still the same. Sure, your circumstances changed. Being in your 40s isn’t being in your 20s, but it’s still “not too late.”