TL;DR: Money will not make you happy, lifestyle will. I was exactly like you - work, exercise, sleep, repeat. In a big dirty city. Got so fucking sick of it.

TL;DR: Money will not make you happy, lifestyle will. I was exactly like you - work, exercise, sleep, repeat. In a big dirty city. Got so fucking sick of it. Solution: 1) Work remotely. That, by far, was the best decision in my life. I didn't have to sacrifice a penny. I just told my employer I'm moving to a tropical island, and they agreed to continue my employment. From then on it was just coding and once in a while meetings over the phone. No more boring daily standups. No more daily dumb meetings that waste hours of everyone's time. Just make sure you produce quality work. 2) Stop working altogether. I was making good money for years, in the $200-250K range, and I never spent it on stupid shit like expensive cars or expensive restaurants. I saved up enough, and I haven't worked in two years as of today. Well, I haven't been employed for two years, I work on my own projects that I enjoy. If you live frugally, $100K will last you 5-7 years in a cheap area, or even more if you move to Asia.