Am i too late for this to become a reality . . . ?

I understand how you feel. I'm a very competitive person, so when I see someone my age with their horse, I automatically compare myself to them. I'm either friends with them, or envy them slightly. I started when I was 6 with a girl who had been riding any horse her mom could put her on, she was about 20 or so. A lady had just bought this imported irish mare who looked like nothing and had her train and ride her. 8 years later, I'm training at the same place, just her mom's property with an Arena, some paddocks and a small side barn with 5 stalls. But my trainer is a 4 star eventer, shortlisted for the olympic team, with a USEA mare of the year, giving me the same rates as when I was 6. When she goes away for events and I can't go because of school, or other thing, I go through mild sadness. My trainer is from a single mom with hardly any money, just riding anything from an old hag to a 3 year old. Due to some unfortunate falls, and her mare is 15, she's not being considered for the olympic team, but just remember, you have your whole life ahead of you. A couple years isn't going to matter once you're 20, or even 17. Money can't buy talent, remember that.