You can change your career at 45 to a higher pay job without a degree. No, 45 is not too old to start a new career. Many people want new careers at this age including flexibility financial incentives employee benefits a better life-work balance and satisfaction at the workplace. If you don't want to start a new career, you have the option of taking on a part-time job, going back to school, or volunteering.
I have a lot of friends who are "retired" at this age. They are happy with their lives, and they are not ready to start a new career. If this is you, then be grateful for what you have. If you want to have a career, then you can. The key is to keep your options open.