I started university two years ago, aged 30. I'm now 32 and have achieved minors in math and physics. I really want to focus now on theoretical/mathematical physics (I'm particularly interested in particle physics and cosmology) but I'm concerned that, given my age and the nature the field, it might not be the wisest path. If I go on to do honours and a PhD I'll be 38 by the time I finish and, from what I've been reading in these forums, it might be an additional 10+ years of post-docs etc. before I have a secure job with a decent income… and that's if I'm a good physicist, which of course there's no guarantee I will be. So, rather than filling my third year of undergrad with units aimed at specialising in theoretical particle physics and cosmology, I'm considering taking a more general approach and gaining a major in a more mainstream field of physics as well as a major in applied mathematics. That way I can choose to do honours in either of these fields and probably find an industry job relatively easily after that. I feel like I'm coping out on my dream a little if I take the later option, but I am married with a daughter and I am genuinely concerned that if I do go down the PhD route, I may be shooting myself in the foot financially. If anyone feels they can either alleviate my concerns, or tell me that they are indeed warranted, please do. I'd be particular interested in knowing what kind of prospects I might have as a 38 year old, having just finished his PhD in theoretical particle physics and looking to commence career in academia.