I've been playing since I was 12, I didn't start practicing regularly until I was about fifty. For what it's worth I still think I'm rubbish (which is why I'm here to learn) but I've managed to fool a few people into thinking I can play. I'm hoping to be 'competent' by 60! I've gone through the two fundimentals courses in about three weeks, I'm halfway through the Blues Level 1 and hit the 'bugger, I'm going to have to go away and practice this' point.

I figure (hope!) it's never too late.

And for what it's worth, and at risk of getting a little depressing, a friend of mine who's in his late sixties had a stroke a few years ago, when his therapist found out he was a guitarist, and a good one, her response was 'You'll be fine, your neural pathways will be like motorways', today, after also quitting smoking, he's in better shape than he was 10 years ago. Guitar playing is good for the brain!