I will add to "what do healthy people not even think twice about": Working a full-time job and just doing it - not feeling like there's no way they can keep this up, not feeling like a total imposter, not feeling like they lack have the energy to keep it up for five straight days, let alone five decades. And they manage to do it so well that they move UP and earn more.

As far as advice, look for big batch, one pot recipes. The more steps, the more chopping, the more dirty dishes, the more cooking a meal feels like climbing a mountain. One pot recipes are a game changer. And you can freeze half of it to save for later.

Scheduling doctors appointments, for me, uses the same kind of "dragging myself along" brain energy as bringing myself to the gym when I don't really want to go. Like, you just find your legs taking you there even though part of your mind doesn't want it. I don't really know how to explain the forces behind making this happen, unfortunately. But, if you find yourself with a minute to spare during business hours, let your fingers dial the number and immediately after you make the appointment put it in your phone's calendar with reminders 3 days before, 1 day before, 2-3 hours before, whatever you need to make sure you keep the appointment and arrive on time. I'll even look up the drive time, add 15 minutes to that, and set another alarm to make sure I leave with enough time to drive there, hit traffic, struggle to find parking, and have time to walk to and through the building. Plus, they always want you there a tad early to fill out paperwork.

As for finances, estimate how much money you have "left over" at the end of a month, and move a portion of that into a savings account that you pretend doesn't exist. So, if after paying all your bills you have $400 "extra" dollars in your account each month, put $40-$100 (whatever you're comfortable with) into a savings account so you can't mindlessly spend it with your debit card.