I didn't pursue programming as a hobby- and then a career- until later in life than what you are assuming here. In fact, I have worked with a number of people at multiple companies- their first programming jobs- who are older than me. They have all come from lower paying jobs. The key is that they put in effort to change.

One was raising two children- an infant and a toddler- and if he wasn't actively coding, he was reading or listening to something programming related.

For now, at least, programming is a highly sought-after skill, and with determination and effort, you can get into it. There really aren't any other barriers than (1) saving up for a cheap computer, and (2) having reliable internet access.