Read Dave Ramsey to figure out what you are doing wrong.
Oh, my friend. I’ve been a Ramsey-ite since the mid-2000s. I’m fine. My budget has increased and I’m not doing anything different than I have over the years. No boats, etc.
I know that if I’m feeling a bit of a pinch (meaning I don’t net near as much as I did three years ago), I know “normal” people are getting crushed.