Billy, FYI I am a blue collar union auto worker worker for most of my life, also spent some time as a floor supervisor.
Bottom line is that I too did not start saving until after 40 years of age. Put 3 kids through 2 years each of community college and one with the final 2 years at Villanova for a nursing degree.
I am now over 68 years old and have over one million in cash assets by way of 401', IRA's, stock and personal savings. It can be done and you must persevere and establish a regular savings pattern.
And least you think I have been cheap and squirrled all my money away let me assure you I did not. I have two homes, two cars, a married off daughter ($$$) and have always enjoyed a nice two week vacation. This year I have rented an ocean front home in the Outer Banks of NC big enough for my whole damn family. Oh, and I recently bought a Regal 2000 boat, cost more than my cars.
This certainly may sound like bragging but I am only trying to make the point that it is not too late for you and most other visitors to this forum. I was not left any money, my wife and I earned everything we got and tried to save and invest wisely. I assure you if I had only put the money into a bank account I might only have 25% of what I have today, probably even less.
It takes discipline and sound investing habits.
And be very careful of your "own hand", be sure you do research and homework. Without research and homework your own hand holds a high potential for more harm than good.
I wish you good luck.