As others have said, taking a break can be the answer.
I had a break for 4 years+ from punting. When I returned, there were more choices in quantity (not necessarily quality), through access on AW and more recently this forum, I'm back in the mix for now.
The break gave me a chance to refill the bank balance, do other things/hobbies, and get fit and healthy.
Recent good news about getting full access to my pension pot in the next 18 months or so, increases my options immensely, especially when I move to London.
Of course georgey boy wants us to spend wisely...good luck that!