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.