3 is the way.
Have your goals. Feel your feelings. But don’t expect to jump to the other side of the ocean. Set small goals and revel in your daily/weekly wins.
For example, I wanted to eat better and save money, when I was young and had no money. It was harder then, but I tallied up all the fast food money I was spending, and realized if I didnt buy fastfood I could afford more and better groceries including more fresh vegetables and meats. And STILL saved some money.
So I watched my grocery bill and stopped eating fast food, ended up with some extra cash each month, and even lost a few pounds.
This is a small thing, but I felt more in control of my life, and it made me happy.
Modern banking apps have search features to make tallying your spending easy
So did you click a link to go to a source, or, what?