We all want more, in fact that's what drove the 1980's and the Thatcher era, to own all of our own things, our dreams. You are a product of that era, like it or not, you are. You rent a house? So what mate, you have a home! You should not be beating yourself up about position in life, you have a home and a family, like you said, most aspects are great. Take comfort in that.
I made a big career shift at 27, so you are only a few years over that, there's been good advice in the thread so far, talk things out, take stock of where you are but also realise you are not past changing by any means, in fact, you are not even half way through changing.
As for what to do, you are not in a bad place, if you don't change anything that will stay the same, if you want change, then change some things slightly. Have you even applied for any jobs relating to your degree? Most learning is done on the job, fact. So being out of touch as you think, well think that, but if you have some common sense (and from reading your post and the fact you posted these questions, I think you do), you'll go a long way. It's tough to look inward and not be satisfied, I've been there too. Don't do it out of status though, do it out of passion.
Get your CV up for these guys to review, start applying, start changing if that's what you really want, no fear, just decisions and judgement on them.
Best of luck to you!
