Oh OP in a way I'm glad you started this thread because I feel so much like you and there are so many similarities between our situations, but I always feel like a right moaning Minnie if I say any of this. Personally, I feel as if I've "missed the boat" - spectacularly - and I'm a lot older than you (though don't feel old). So thank you for letting me get this off my chest.
I was more or less a straight A O Level student but received little or no encouragement from parents (or school for that matter) about going to university - which I could weep at now when I think back then I'd have had fees paid and a full grant. I was more or less told that university "wasn't for the likes of us". This was pre internet so it wasn't that easy to find out all the facts about uni and in any case, I'd been brought up not to question my parents, to obey them etc., so I just foolishly accepted that I couldn't go ... which seems extraordinary to me now as an adult but there you go. Consequently I left school halfway through A Levels as back in the day, having them didn't really give you much of an advantage for most jobs and therefore I didn't see the "point". I started work as a lowly office junior though I was promoted reasonably quickly and stayed there until having my first child.
When they were a toddler I decided, with the support of my then DP, to go back into education and did an access course. On that basis (plus O Levels and life experience) I was offered places at UCL, King's College London and what is now UEA. Started at UCL but had to give up when my relationship broke down and could no longer afford to travel into London. Transferred to more local uni following year - got a First ..... but by then my finances literally couldn't stand any more of a bashing and there was no way I could do the post-grad study I'd hoped to do which would have hopefully led into one of two specific careers, and which, by now, should have seen me with a reasonable salary and at least some job satisfaction.
Therefore went into another boring office job - yes, call centre work too initially, albeit quite specialised and not scripted. Hated it. Was promoted there too to a better position but left for second child. Intended to go back but whole raft of family circumstances arising in meantime meant I couldn't have earnt as much as we needed so had no choice but to look for work closer to or at home to minimise childcare costs. Ended up working from home ..... still do, technically self employed though have worked for same people for years, so pay not great, no sick pay, no pension, no holiday pay ..... yet all other jobs I look into mean I'd earn less and we simply couldn't manage on any less so feel totally trapped.
I would LOVE to retrain - and have long thought about law (had been offered law place but went different route). However - I just cannot afford to convert, no way no how. Can't afford fees, can't afford childcare and can't afford to lose what I earn now. Feel even more trapped. Neither can I "speculate to accumulate" e.g. by taking a loan - our finances just couldn't service that. In any case, given how hard it is for everyone to find work ATM I think I'd be taking a huge gamble at my age as it's well known a late 40s/50s "trainee" wouldn't be most law firm's first choice.
The same considerations apply to every other sort of retraining which I've looked into. We just can't afford for me to stop working, let alone all the other costs on top.
I know people mean well and they say stuff like "you've got xxx years ahead of you" (ever rising due to retirement age increasing) but the reality is that it costs to retrain and if you are already right up against the wall financially there's nowhere else for you to go and nothing else to cut back on.
My situation is completely soul destroying and I confess that as I get older I feel increasingly resentful. Yes - my (non) "career" has been hampered by bad luck and, sometimes, my own lack of self esteem, but more than anything I think back to my early promise and how my parents never encouraged me or supported me to make the most of that. I just can't ever imagine not doing my damnednest for my own kids if they'd shown they had every chance of doing very well academically - with all the potential rewards that might bring. I don't understand why, if my parents didn't understand the uni system, they weren't asking questions and researching the issue .... and I don't understand why I was effectively warned off from doing the same. In those days, I would have had to speak to teachers and use the school library, and would have then been able to reassure them that it wouldn't cost them anything and that I could manage on my own but though it might be hard to believe now, I was utterly ignorant of things like grants, and also scared of researching something - to see if there was any way I could go - that my parents were against. I really was a pretty timid and obedient child, and what they said, went, right up until I left home. Maybe things wouldn't have been much different if I had gone to uni at 18 - appreciate it's not a guarantee - but at least I would have tried, and all the people I know who went to uni straight from school have actually done fairly well and are now happy and secure with "good" careers.
I am at a loss to know what to do. This isn't a sudden realisation but something which has been bugging me for many years and I honestly believe I've explored every avenue. Sometimes it does come down to money - or lack of - and "at least" I have a job (which stresses me out appallingly) which I appreciate many people don't. I'm not made of stone though and it's incredibly hard to think back to lost opportunities - which in the main were either "lost" because I was too young to take control of the situation myself, as with my parents, or because of what might be called bad luck. Thinking about this too much can make me feel very low indeed ... I've always tried to work very hard and do the best I can (am a perfectionist) but feel I have nothing to show for it. Makes me laugh (not) when the old "I've worked hard all my life" line is rolled out by people in a position of relative comfort to justify what they have because I feel I've worked hard too and am living proof that it's not always "enough".