I'm already at mid 30s, if given the chance, I would've start the process around your age.
May pros and cons din yung situation mo kasi you are already a boss and earning decent (1M/ 500k a month) is already a good leverage for your future.
Yes - may onting racism sa foreign land, that's natural. Pinas lang ata yung ang tingin sa foreigner eh higher or upper class, still using Sir and Maam and bilib sa mga puti or singkit but anyway, pag napapanood ko lang yung traffic, crimes, unfairness sa justice system, palakasan, kapit, etc.. parang walang laban yung mga normal na taong tulad natin sa sarili nating bayan. (own opinion ko lang naman)
Cguro pang push talaga yung Security and Peace of Mind. Pwede ka pa din naman mag retire sa pinas or come back early and do business with more experience/exposure/capital.
all the best and balitaan mo kami sa susunod na kabanata ng buhay ni Mr right.