good question. i think the only way is to really catch up with the sailed ship is to work smartly and not work hard.

i always have the quote in my skull "In life over taking is allow" the fat that someone lower than our age as gone far does not mean we can't go ahead of them again irrespective of the fact age may not be on our side.

one just have creatively strategize and do something meaningful that can help to boost one source of income.