In my experience nurses of all types are far less on the wards since it became a degree. They are IMO less hands on than in the past.
I don't think it's only 20-30s that have ideas. That's just ageism.
I don't know what personal financial situation has to do with it. Should there be a means assessment for promotions? Cost of living and housing crisis is a different issue. You need to lobby the govt for action. Not saw the branch you're standing on by destroying any promotions opportunity past 40.