I'm in this boat. Looking at a spreadsheet and financial net worth, I am headed where I want to go, and I think I am going at a reasonable and acceptable speed compared to most people I know around me. But the day to day grind doesn't change. Progress is not visible. It would be nice to build something, but working hours for money doesn't produce visible results. Perhaps this is one of the reasons going to the gym and fitness is so important. It can become a visible source of progress for many who don't have one.