What are the consequences of masturbating multiple times during the daytime in Ramadan over many long years, and is the fast valid when delaying the ghusl from menstruation or masturbation?

You must repent to Allah Almighty for the forbidden masturbation and for violating the sanctity of the blessed month. Masturbation in Ramadan invalidates the fast and necessitates making up for it, unless the one who did it was ignorant of its prohibition, in which case, according to the more preponderant opinion, she does not have to make it up, though making it up is more cautious. Ghusl (ritual bathing) is not a condition for the validity of the fast, but it is a condition for the validity of prayer. If delaying ghusl leads to missing prayers or performing them without ghusl, then they must be made up. As for the acceptance of the fast by Allah, that is up to Allah Almighty.