Being present is refusing to sacrifice every current moment for an imagined future one.

Sacrificing the present for the future is reasonable in small doses and ruinous as a way of life, because the future arrives as another present that then gets sacrificed too. The habit does not end when you reach the goal. It simply finds a new goal to serve.

Check whether your current arrangement has an actual endpoint or whether it renews indefinitely. Keep some part of each week that is not an investment in anything. That is what stops the pattern from consuming the years it was supposed to improve.