Yes you can be happy at each stage of your life if you can except yourself for who you are and where you are in your life. You must love yourself first and then you can feel good and work on issues as they come up.
We raised 4 children and paid the tuition for the first year for the one that went to college. One of ours went into Marines and his college was covered by that. Our daughter went right into business and now runs her own successful business. Our fourth child died at 21 and his was taking part time classes and working. He had a scholarship that helped.
So as you can see it will depend on what your children decide they want when the time comes too. There is scholarship money out there and some pay full tuition.
The financial planner is good advice............... I hope you can feel happy and feel at peace too.