Knowing that you are in a dilemma, you must work hard, which is much better than ignorance. First of all, 35 is not too old. You should sum up why you haven't saved money until you are 35. If you find your weakness and know how to correct it in the future, you can sit down with your parents and have a chat to see which direction you should work hard in the future. Take the bakery as an example, it is not difficult to raise start-up funds, but the key lies in future operation. Only by gaining the recognition and support of family members will this step be more practical.