[Ritjert]

Such a great answer.

Your financial situation is part of a much bigger problem you are trying to solve.

How to have a good life. Think you should optimize with that in mind.

Completely agree with the diminishing return comment. If social interactions/relationships are lacking in your life, you'll get a very high return for your time spent.

(Obviously extremely easy to say to you typing on my iPhone. What has always worked for me is taking the smallest possible step and turning that into a habit.)