You can afford many things individually that you cannot afford collectively.

Each commitment looks affordable when you consider it alone, and each is affordable alone. The problem lives in the sum, which nobody examines because decisions arrive one at a time. This is how thoughtful people end up with a life they never chose in aggregate.

Write out the full list of what you are currently committed to and look at it as one thing. Assess the total rather than the items. If the total is unaffordable, the fix is subtraction rather than efficiency.