39 m seeking help or advice to getting my fittest by 40

So I am 39 male 6ft currently 218lbs around 17% body fat. I hate the way my body looks and would love to feel lean and tone.

I go to the gym almost daily for atleast 30-60min normally get in about 10-15 min slow state cardio then lift.

Been doing similar lifts for years and not making much change.

Things I know : my diet could be better I should be in a deficit and among for 200g protein daily my current intake is not terrible but it’s not great. I have a chaotic job that does not allow for much routine so I am all over the place some days I get lunch some I don’t.

My motivation and drive fluctuate I do well for couple days then struggle. I dont have money to pay anyone and by end of day I’m just so drained.

Just feeling stuck I feel there is so much to change but overwhelmed by it all.