Hi! Ask yourself this, what is most important now and how would that look like in a year? Describe it to yourself and you may find an answer in that. It's never too late to do anything especially something that gives you benefits you deserve and what, however always measure it to what you most value and you'll know what to do!

first of all, if you’re current employer is within the UK, paying you no holiday pay is absolutely illegal and you should definitely put a complaint forward, there’s a very simple guide on the government website on how to do this. You should read over your contract as well, no work = no pay? Well your contract could heavily affect how they are able to enforce this.

Whether or not you should move jobs is completely up to you whether you feel you can afford not to. Some financial advisors recommend 500 thousand saved up for a comfortable retirement, taking the other job could be beneficial in achieving this goal.

I would be happy to talk in more detail in how we can make your money work for you, and build a fantastic retirement plan.

If companies are contacting you, it sounds like you have the experience they are looking for. If they want you, you should be able to negotiate for remote work. If you are unhappy at your current job, look for a new one that will give you want you want. Don't be afraid to make a change that will make your life better. You are never too old to do anything!

Your only left with 6 years for you to retire. But it doesn't seem like a very stable job your currently in. And if you feel like you can't be able to keep up with the new career you'll need going to to I would advise for to to just do the pros and cons of both situations and see which one is most advantageous but remember mental health first