How can I better my situation, this late in life?

How can I better my situation, this late in life? 51M in really good health. Divorced with shared custody of two kids (14 and 12). $110K salary ($2,918 net every two weeks), mortgage: $1,522 (Includes HOA; 3.65% APR with 2049 maturity date - current balance $164K), car payment: $416 (4.65% APR with 2029 maturity - current balance $22K), 401K: $357K (11% contribution + 2% catch up...employer mat...

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