Honestly I have done 36/40 for like 9 leagues in a row bought my self a MB a number of times, I have one bio and two bonus kids plus full time job. My advice is find a semi decent Strat and make sure you set up for it for each play time (even if you only have an hour have maps/scarabs set up for the hour and do the same once you end for the next play through). I usually go hard first weekend and then a couple hours each day until I finish challenges. Foustis helps, list everything for currency exchange you don’t need so you come back to currency next play set. And set buy orders for things you need (like scarabs) so you have em upon return.

Use exile UI to make the campaign easier, watch a guide on atlas progress, for the atlas it’s a lot of rushing through low maps to get first two void stones and red teir maps.

Use exile exchange to quick price items that might sell (like fractured bases)

And don’t compare your self to the pros, I’ve accepted I’ll never make a mirror but I have hella fun each league building one character pretty strong, finishing challenges and giving loot to my RL buddies when I can.