Their money shows up, their troops don't. NATO could send their own troops and probably liberate southern Ukraine quite quickly, but they're reluctant to get their hands dirty. The only way Russia is fighting NATO is how Nazi Germany was fighting the US on the eastern front: equipment and supplies.
And yes, Russia has taken some towns, but so has Ukraine. Ukraine just took Lyman back (again) as well as a bunch of land north of Lyman, undoing recent Russian advances there. It's the same story in many places: Russia spends a year making some small gains and extreme cost, and then Ukraine takes most of it back again.
It's a stalemate. There hasn't been any significant progress from either side in years. And what Russian progress there is, comes at a steep cost in lives, whereas Ukraine recently took some ground with nothing but drones.