Your reasoning is your own, and out of respect, I will not comment on it - you don't really need to justify it to anyone.
However, if this is your sole concern regarding considering cbt, I don't think this is your only option.
You could change careers or fields (as many do even at a later age), hire a career coach, find a part-time job and learn to be content with less, start your own business (although that might not align well with anxiety), seek relief from anxiety with the assistance of a professional, or find support through government programs or a family/partner. The list of possibilities is virtually endless.