I’m approaching 40 this year. Around 20, I missed an important uni deadline, and meant the degree I had planned would cost me an extra year I couldn’t afford (like literally couldn’t afford the tuition). Managed to finish, but with a degree no one would recommend. Was absolutely panicked.
Ultimately, ended up very successful in a job in a country on the other side of the world. Met the woman who is now my wife of 13 years, had some amazing adventures, moved to a few more different countries, changed industries again about 10 years ago, and worked my way up to upper management again before leaving that field too.
TL;DR No, stress has brought me nothing but misery, I have no regrets except that I didn’t enjoy the ride as much as I could have.
Learn new stuff as you work, or as hobbies (my entire second career started as a hobby). Don’t be afraid to “fake it till you make it” and keep an eye out for jobs you didn’t even consider as a possibility. I personally avoid corporate gigs, smaller independent companies are more likely to notice you and use you for the skills you bring. Life can fly by, enjoy the ride.
I’ve heard that if you close your eyes, hold out a £5 note and say her name three times it turns into a Zimbabwean dollar.