I'm in the same stage now; a pivotal stage. In the past 2 to 3 years, I've only worked, and I keep on working and learning.
I stopped participating in unnecessary hangouts, I spent WAY less than I made, and I put 80% of my time into creating different sources of income. Missing meals, sleepless nights, and ditching some of my favorite hobbies. It was the same dark and lonely room, with which I made my peace. I took that step simply because I didn't want my family to experience anything close to what they had experienced during COVID. And I've made a decent bit of progress, and I still am living a fairly frugal lifestyle. If my family's needs and wants are taken care of, only then do I think about myself and my well-being.
I've also been putting in a decent amount of time into Crypto. At least 4 to 6 hours a day. Whether it be blogging on Hive, trading, investing, or hunting for opportunities. I'm putting in the work, and I will keep on doing so. Hopefully, within the next 2 to 3 years, this will all pay off.