@OP: I'm older than you, and I don't have anything you mentioned. No car, no job (at the present), no wife, and of course no children. Like you, sometimes I feel my life is over, because looking at my peers from school, I see all of them are married and have children (as old as 7 years old!!), jobs, cars, and even their own houses. I, unlike them, spent my life studying, "preparing" for the future, which hasn't brought me the expected fruits. For example, I probably applied to more than 300 positions in the last 4 months, and got only 3 interviews with no offer. You applied to 30 jobs and got 4 interviews, which is great news. It's never late. Keep going in your path to be independent. You are on the right one.