I've seen people turn that one around later in life than that for sure. I've got a coworker who was broke at 31 making less than minimum wage at at Applebees with no friends or family, and at 37 he's making probably literally 15-20x more money and lives in this massive 6,500 sq ft Tudor with his smoking wife and 2 kids with a third on the way. And he didn't even go back to school or anything.