Am I being stupid?

thats what im starting to think im in the very luck position im debt free no wife no kids i think im going to go to collage and become a student bum for a few years learn a new trade altogether

This. You can do pretty much anything. Move to another country. Become a surf bum. Go back to school. Whatever. I wouldn't call it a "second chance" because that'd be dismissive of whatever you've been doing up until now, but whatever it is, it's pretty awesome.