It's not even that you necessarily have a ceiling, some people work for twenty years and are lucky with success, some are unlucky. You can be 45 and not have reached your ceiling. But the perception is there and you have to think about ways to re-invent yourself. It's really hard when you have family obligations and can't take a lot of risks.

I have a friend in a similar situation to the poster and tbh I don't have great advice.