What's the difference between a rich person and a poor person?
A rich person makes $100 and spends $99.
A poor person makes $100 and spends $101.
$2 is the difference between a rich person and a poor one.
This applies to me. I've been spending $105 in fact, all this year. I have some good excuses, but frankly they are just excuses. In fact, you could say that I've been trying to get $105 out of $100 worth of life, which leads me right back to my inability to sleep, etc et al.
Time for some balance.