27??!! A very wise man once said, "If you will it, it is no dream."
In spite of difficulties, you make your own luck. My own brother wanted to be a doctor from childhood, but various obstacles presented themselves until he was (coincidentally) 27 years old. Some of them were of his making, some were not. Finally, he decided he'd never be able to live with himself if he didn't give it a try- his very best effort. He's now 63 and has had a very, very successful career as a medical oncologist. He's been practicing in Florida but will retire in a couple of years to the UK.
In this community you'll meet any number of people in culinary fields who were in IT careers, business careers (accounting, etc.) and various other types of careers before they made their moves. Some were quite a bit older than you and had families, mortgages and other responsibilities as well. But they decided that's who they really were: a chef, a food photographer, a caterer, a culinary instructor, a food scientist, etc. If that's who you really are, then GO FOR IT. You won't regret it unless you don't try.