Just don't let it become an excuse. Put another way, your life might be complicated, but more improvement does require digging a bit deeper than the status quo

Just don't let it become an excuse. Put another way, your life might be complicated, but more improvement does require digging a bit deeper than the status quo, so it's still up to you to find or make time/energy to work on things. I'm in no place to tell you how much time or how to manage it, but you do get out of your time what you put in, and there isn't a shortcut for that.