Is SAP FICO consultant is good career option in 2020 ?

Question

I'm currently working as end user in one on the company from last 1 and half year. now i want to move from end user to sap consultant profile. it will be good decision to move the field also the sap fico certification cost around 3-4.5 lakhs is it worth doing certification.

Also our company is in phase of migrating from sap 6.0 to sap s/4 hana should i wait till its implementation.

guide  me should i go for sap fico or sap s/4 hana consultant certification?

thanks in advance.