There is never too late to get into programming. It's a wonderful field that welcomes anyone and everyone with open arms. :) Don't worry about degrees or anything. Just get your hands dirty and you surely don't need to quit your day job either. You still need to eat and pay bills.
Don't get into thousand things. Start with basics - HTML, JavaScript and one of the scripting languages - PHP, Pearl, Ruby - anything. Pick one and stick to it. All are equally good. Then start making small projects. Make a tic tac toe game in JavaScript. See what difficulties you face, ask for help and solve the problem.
Register on sites like eLance and oDesk. See what kind of projects people post. You don't have to bid - you will probably won't win a bid against a full time pro developer. But see what people are looking for, try to build it as your side project. Try to find an idea where people will pay.
Make a simple todo list app - almost every programmer makes one in his/her lifetime. Release it as a free web app. See the traction. Add features and you will learn more. Some day you will come across an idea that you think you can build and people will pay for.
Polish your programming. Don't worry about using the latest framework or knowing everything about a language. Just get the shit done.
Get started from today.