hey guys i need advise.
I currently got a job that i love with a lot of freedom. but the payment is not good and i am concerned that the company won't be there in the next 5 to 10 years.

I am a 25 years old, self taught programmer and my current employer is the only one I ever worked for. Recently I browsed xing and found a company which searches an employee with exactly my skillset (they need someone for a specific ERP system in which I am damn good at). The company is half an our away - my current job 20 minutes away. Also I think because the person they are looking for is rare because you need technical knowledge of windows and doors and you need to know how to administrate this erp system plus knowing some programming stuff.
There is also a very big company 10 minutes (walking) from home where I could apply. I think at this company i would start lower but could maybe study and working for them with higher expectations in long term (just google Hettich in germany here in the village this is big)

The problem I currently have is the following. If the company I work for is closing in lets say ten years, then I am 35 without a degree. I have a girlfriend - want to marry her and getting a child.

I have holiday now and i will apply for both companies. I feel very uncomfortable doing this because the company I work for is the company of my granddad. I don't have the balls to tell him that even if i get a raise that does not solve the 35 years issue.

Well, first of all I will just apply. Lets see how much value I have.

But I thought that asking you all may give me some other input to take into account. What are your thoughts on this?

PS: just a formal "sorry for my english" and thanks for reading