Well, you always have a choice. I branched out of lucrative careers... 3 times so far (so I am on the 4th full switch). And I still make more money than before.
I lack connections because I did not care about money and such before the age of 25. :/ Of course I also lack qualifications. I only have my code repository, and I can talk about the projects I made for some clients. In any case, it is quite difficult because I have lots of anxiety. I feel like I would fail or would not know enough.
I am 40 and I started caring about career and repouation less than a year ago.
You will always have something that you don't know. Took me a loooong time to get over it. Try and short-circuit this struggle because it would otherwise never end.
I do not know how to. :/ I can work for clients because it is different than working for a company, but... not enough money and not stable enough, sadly.