I'm 40. If I was starting over my first stop would be vocational rehab, second stop HUD. Vocational rehab will help you get a job. HUD has the family self sufficiency program which helps get bills in order and off assistance in 5 years while building up some extra cash. They also in some areas have house buying programs. My husband is thinking about going back to school at 42. At 50 you still have about 15 years of working left. But first you have to get your depression and anxiety treated.