Work hard for bitcoins only. If you still want to stay in that fiat cage, so be it, is your choice. For longer you keep this, for longer is your struggling.

Each one have his time preference. In 2012 when I got my first BTC, I realized in an instant that this is the way, and never stopped stacking. EVERYBODY laugh of me, but I kept stacking and start living a simple life, spending less and less on stupid shit. Just buying BTC.