You need not give up all you have in order to become spiritual. If you think that, it is a great pity. But to wait and say: "I shall wait till my ship comes. Then I shall become spiritual" - who knows when the ship will come! It is never too late to go onto the spiritual path, but it is never too early. The best thing therefore is that, the moment you think that it is already too late, you should begin and go through all the tests and trials of this path, confident that there is nothing that cannot be accomplished once the spiritual path is taken.