If you are fully committed to being an Artist you can make it. It is a hard life, and if you don't take rejection well you should think about staying in the business field. Yet, with that warning out of the way we can get to the real advice. I am a working Artist, and a Gallery Director. Many of the visual Artists that I represent started to take art seriously later in life. One of my top selling painters picked art back up in his 60's. It truly is never too late. As for an education in the visual Arts, do it. There are some negative aspects to getting a B.F.A. or M.F.A. in visual Arts, yet the positives out weigh them. If you totally immerse yourself in the studio work and fellow students you will gain a lot from school. Essentially, try Art now before you get too afraid of failure and too set in a career. It is better to be poor and passionate when you are 20 than when you are 45.