It's not worth it at this point. If you came to the US as a student then worked your way up the social, cultural and corporate ladder then it maybe worth it. But coming here at 40 and hoping to start from scratch is just not worth it! I have seen quite a few people your age come with family but it is sad to see the frustration they have to face with their family. Everyone expects life to be good in the US but it's not a bunch of roses. In US you can't hang outside your street and understand everything that's going on in the world. US is big everyone is an island on their own. You will not understand the system for first couple of years. On top of that transportation is not easy for new comers even in cities like New York. Just understanding how things work can be frustrating. If you have kids they will go through very difficult time as they won't know anyone.

I came here as a student but still go through miserable times trying to aclimatize myself, it will be very difficult for you. Once you come here you will realize the rent is very high and you don't want to use the money you brought over from Nepal so everyone in your family will need to work mininum wage job to just pay your living expense.

You must already have a normal life cycle set up in Nepal. Try to enjoy it because if you come to the US it may take up another 10 years for you to reach a stage where you can begin to enjoy your life.