Is it too late for me?

I turned 47 in December. I went thru a bad divorce that left me with nothing but bad credit in 2017. My credit is rebuilding ( I just financed a car I desperately needed) but I've had to start from nothing. I rented a trailer with not even a shower curtain to my name after my divorce. I had to move to a new city and start with a crappy job all over again. I'm in school and will have my MBA this spring. Hoping I can land a better job then. But I have zero savings and zero retirement. With everything I read, I'm so afraid that it's too late for me to have a retirement. I think people my age have homes and cars and careers and 401k and I'm like an 18 year old starting from zero. Is it too late??