You're 37 now, you definitely dont want to be in a cube farm with a bunch of other resentful folks who write code for a fortune 500 company. I'm sure you have some domain knowledge around something else. Perhaps you were a flooring installer prior to code. Maybe you were a plumber, who knows. Take that skill and think about what software could have helped you during those times. Look for competitors, evaluate the market and then once you find that idea in that proper niche market. Go for it.
Another book to listen to: Start Small, Stay Small
Good luck!