Hey Alberto. I guess I'm not in the best position to advise you, being stiil an almost-graduate of a film shool myself, but I'll try.
First thing, don't think about your age, it's bullshit. Being 20-something is still young and unless you have a very early onset of dementia, your age is not a problem. Actually, the fact that you're not a teenage kid anymore might be a plus - you've gained some life experience and hopefully can transfer it to your stories. In my country (Poland), the best schools rarely admit very young people (<22), finding them too immature.
What you didn't specify was the kind of work you want to do, and it matters - even at such early stage. Talking about gear I assume you don't want to be a screenwriter. What is it then? A director? Cinematographer? As an amateur you'd probably be willing to do everything but it's a short term strategy. Decide and follow your decision.
Even if your goal is to become a DP, gear isn't that important. Many DPs don't even own a good camera, renting each time. Sure, starting out you want to practise, but there's no need to do this on an expensive gear. Maybe it'd be wiser to spend the money you've saved on trips to meet other people in your position to collaborate with.
I don't know where you live and what your circumstances are but the fact that you need to keep earning money to support your family IS a problem. Unless you get super lucky or have some great contacts in the industry (which, as you mentioned, you don't) you probably can't simply switch carriers and start earning decent buck. It takes time and work.
This whole thing seems delicate and only you can be the judge. Explore your options, talk to your family about your dreams. If you really can't even lower these allowances, make the best use of your weekends - find some local beginning actors, create a script, do something together.
I'd recommend a film school, but don't know if it possible for you at all. School would instantly give you people to collaborate with and hopefully some deeper insights into the craft.
If you really want it, make it happen - againts all ods. Even a semi-decent first short will taste great then - and hopefully you'll progress further. Dreams we didn't even try to make true will someday give us cancer, watch out for that.
All the best, PM me if you'd like.
Anybody know a way to show timeline in a source monitor in Resolve 15?