1) ⁠⁠Is it too late?

Yes. You are two years too late to start playing The Last Titan expansion. If you don't have 20 years raiding experience, nobody wants you for a follower dungeon.

2) Is WoW Worth it?

No. Have you tried playing FFXIV instead? I heard you can pay for that in Yen and the exchange rate is a bargain.

But if you really really want to know about WoW. Just don't play the game. You’re in the WoWCirclejerk subreddit. Unless you want to visit Grizzly Hills, but you don't need a sub to go there.

3) I’m feeling overwhelmed by housing

You're obviously a filthy casual n00b and I bet you have never even looked at the store page for The Sims. You should not even be looking at this job. It is on a whole 'nother level way beyond you. I don’t know how you manage to choose what shirt to wear in the morning.

4) how do I make gold

With a WoW Token, duh.

5) I’m a returning player from BFA. Any tips?

Okay so you wasted years of your life and craploads of money getting a Bachelor of Fine Arts. Well done getting the most pointless degree there is in a stupid worthless major. At least this means you'll have plenty of time unemployed to play World of Warcraft. Except, you're not going to be able to afford your electricity bill. Better burn that degree to stay warm when you're homeless.

6) What spec / class should I play?

A stupidquestionasker of the idiot class.

7) What can I do to help with global warming?

We are working on setting up a bunch of nuclear reactors on Argus so we can connect them to a really really long cable back to Azeroth to power a bunch of air conditioners.

TL;DR

Grizzly. Hills.