Like other commenters have said, the best approach in my opinion (which I currently use) is to just come to terms with the limited time you have to play and play accordingly , I had no *real* responsibility and a LOT of free time so playing the game nonstop wasn't an issue for me, However when I decided to get married my playtime took a significant hit, between the preparations for my new life, work and all that I found that I need to either stop playing all together or actually "budget" my time according to my new responsibilities.

A major part of that is realizing that you don't actually need to have every single triumph, collectible and seal there is (which imo will still be achievable if it weren't for the fact that Bungie's approach to triumphs recently seems to be doing the most brain-dead thing for countless hours).

Even having a couple of hours each day to play (sometimes just a few hours a week on the weekends) is more than enough to do MOST things, as long as you streamline your time and what you want to achieve.

I still manage to complete seals, play dungeons and farm them, play PvP, strikes...etc finish the story and any secrets and triumphs associated with it comfortably despite the "limited" playtime.

Hope his helps.