Late bloomer

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I'm turning 32 in a couple months. I finished my undergrad degree in the spring of last year and took time off to work and travel to get rid of the burnout I had from back to back semesters.

I'm at the cross roads of whether applying for a career job with the fire department or railroad for the paycheck and retirement. The other option is apply either apply for a masters program or medical/veterinary school. That will require me to do another semester or two to complete a required course for the application and then another 4 years for the school, given that I get accepted.

I feel like I'm getting too old and that I'll be playing catch-up for years compared to my peers, both my age and the kids I went to school with, meeting wife material and having kids. My parents are getting up there and would love grandchildren of their own, I can see it when friends and relatives come by with their poop monsters to visit. Then if I take the career job, I'll regret it later that I never followed my passion.

I've lived a pretty good life the past decade full of travel and experiences all over the world but I know that doesn't mean much on an application where it'll read "wasted years finding oneself instead of taking studies/research seriously"

Anybody have any life advice?