You did not choose most of your life. You inherited it from unchallenged defaults. The career that made sense at 22. The city that was convenient. The habits that accumulated without permission.
Every raise you have ever received came with a choice. You chose the apartment, the car, the dinners. You could have chosen freedom. Here is the math on what that cost.
You say family matters most. You say health is a priority. You say you want to build something. Your calendar says otherwise, and your calendar does not lie.
You do not have a budgeting problem. You have a self-soothing problem dressed up as consumer behavior. The 72-hour rule does not stop you from buying. It stops you from hiding.