1) You're not burned out. You don't quite know exactly what you want to do with your life yet, whether you know it or not. You know where you want to be, and yo

1) You're not burned out. You don't quite know exactly what you want to do with your life yet, whether you know it or not. You know where you want to be, and you know what you like doing. That is not the same as knowing how you want to get where you want to be, which is what "what you want to do with your life" is all about. I'm thirty-something and I still don't know what I want to do with my life. Embracing that fact makes things easier. Enjoy the ride, I say. 2) 60,000 per year isn't a big paycheck. That's about what I'm making, after getting laid off and taking a big pay cut to get back into the workforce. It's a decent living, but you won't be paying off all of your debts in 3 years with that kind of money. 3) I don't know any 25 year-olds who are debt free unless they're trust-fund babies, and they have their own huge set of problems. 4) The picture you paint in the middle of your diatribe is not a picture of someone who is in control of one's life. Your life has been good to you. You're intelligent and gainfully employed, but I think you're worse off in self-control, discipline and health than you think. Comments suggesting building good, small habits are some of the best advice you'll get. Don't get discouraged by the "I built this supermassive startup in 2 hours that got bought for 80 bajillion dollars" type stories. They might show up here with frequency, but those kinds of results are atypical at best, and at least one metric, if not all of them, are usually exaggerated. (2 hours of coding, perhaps, but months or years of daydreaming and planning) As for goals... Give yourself a single daily health or productivity goal if you're one of those impossibly pedantic goal-oriented fiends. Make sure it's attainable. Maybe that'll help you focus. I will knock out that project by quitting time. I'll ride my bike to work today instead of driving. I'll go to bed before 10:00pm. I'll skip the usual Wednesday trip to Starbucks.