Depending on how you have treated your body, 40s isn't too late at all. There's a big chance you can turn this around. It may not even happen until you hit rock

Depending on how you have treated your body, 40s isn't too late at all. There's a big chance you can turn this around. It may not even happen until you hit rock bottom, at least in your mind/soul, though. I don't even think you need to pay for counselling. You're here and it's free input. Keep your savings for more important things. As they told me when I got out of my cryopod: have a nice future.