It really depends on the specifics of your life. I get a lot of mileage out of imagining what a more functional adult would do, then doing that (stupid example: <FUNCTIONAL ADULT> doesn't buy the cheapest shoes available and try to make them last 5 years while enduring back pain). It's hard to change quickly; sometimes decisions I made years ago (or that someone in my family made decades ago) throw a wrench in the works. I also took a big step back from various forms of ambition, in favor of building a solid, enjoyable life. I hope it gets better for you too.