Bit of an odd answer, but for me (and my wife), the last piece of the puzzle was really budgeting. The invisible, constant financial stress is a lot, and adds to that feeling of “pretending” when you’re not even sure if buying groceries will cause a bill to bounce, let alone hanging out with friends who always seem to comfortably have the money to do whatever it is you’re doing.

It’s been several years now (early 30s, started budgeting in late 20s), it took us a while to figure it out and progress was slow, but I can “see the line” now, towards retirement, towards home ownership, we have no more credit card debt (just student loans left, which we’re working on), and we budget “fun money” that I save up to make big purchases like a 7900XTX without any guilt or credit.

We’re also having our first kid soon, and at least financially, I’m not stressed about it at all, which would’ve been impossible in our twenties. Getting our financials in hand and headed in the right direction has just done massive work in helping me feel like I know what I’m doing, and that our life is actually getting better rather than stuck in place.