I'd say go for it.
If you have travelled through life in general as a pair and indeed as your post suggests have already travelled overland together, you have the trust and strength to get through any challenges a trip of this nature could throw at you.
If you are teetering on the edge of 'am I fit enough' this IS absolutely the time to go as days riding will soon toughen your body composition and your appetite for adventure will likely grow daily too.
I agree with a prior posts point - if you are able to secure a property - no matter how small - with some of the funds you have, and can lease this while you travel, you are guaranteed a lump sum and a toe on the property ladder when you return. But other than this...
Go go go!
I'm just reading your post after posting my own. It's taken 12 years and a lot of headaches to get to my departure point. Although a little younger than you, I've had my own 'is it too late' thoughts... but to hell with it - were off soon!
And I sincerely hope you will be too.
Dream big then go fulfil those dreams.
Maybe we'll see you in the Americas (we too started with the overland from Europe plan but have changed to airfreight to Alaska instead!)
Safe travels.
Braddan & Shona.
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