I started riding and got my first bike last year when I was 52.
To be honest there are times when I have to make that monthly payment or have to spent $300 dollors for maintenance or what to add something to the bike that costs 2 or 3 hundred I think I maybe shouldn't have bought it. But when I'm riding I wish I would have bought it 30 years ago. If you feel you physically able and are still mentally alert enough to be aware of you are doing and what other around you are doing, do yourself a favor and take a riding course as soon as possible and get that bike. Take the advice of a friend of mine who almost died of a heart attack three years ago. you never know which day will be your last, so if there is something you want to do; do it now.