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I won't deny the ageism stuff. My mom is in her early 50s and has been clinging on the "self-employed" path since her mid-30s, focusing on 'casual law stuff' and cosmetics/beauty. Although she's made several comments about wishing to bring in way more income, she has admitted her thoughts to me of no one wanting to hire a 50+year-old unless its retail or someplace like Walmart.
However, it also seems to depend on the field. One of the few fields I've seen less vulnerable to ageism have been engineering positions, and I've encountered several people who go back to school for Engineering in their 30s and 40s. But, obviously, not everyone desires to or can afford to go back to school.
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