The majority of us missed the boat when Bitcoin was cheap, and now acquiring a whole coin isn't affordable anymore. The average wage in Greece is approximately €800 (about €10,000 per year), while Bitcoin's price is at $27,500 as we speak (about €25,000), which means that I will need 2.5 years to acquire the requested amount of money, in the condition of not spending a single Euro, without taking into account any price increases. Thus, purchasing a whole coin would effectively require up to 6 or even 7 years for the average person in Greece.
I currently have less than 0.20 BTC, which is still a semi-decent amount for myself, the majority of which are from signature campaigns (huge thanks to Cryptobrainboss and Hampuzz for having me in their campaigns), and I'm totally okay with the idea of never owning a single Bitcoin; it's not the end of the world. So far, I'm earning an important side income through it, while spending time on the forum is like a hobby of mine now. This is what matters most to me.
To summarize, my point is that many of us won't become rich or earn a great deal of money through Bitcoin, but that's okay; money isn't the greatest goal in life. We missed the early stages, but that doesn't mean that we don't have a chance in the future. There's no need to regret anything, coming from someone who was here during the first years and missed the boat. It's completely unnecessary to stress over how to acquire more and go above and beyond by selling stuff or exceeding the budget you can afford. Stick to what you can afford to spend and stick to that plan; don't go to extreme measures; and remember, there are no guarantees in investments.
Hey my man, I think you have made a reasonable assessment of your financial situation and your life in general, and I agree with that. You have accumulated bitcoin to the best of your ability. This is not about getting rich overnight as if you won the lottery, it's about accumulating bitcoin as you are doing will give you peace of mind and financial security. Now just imagine yourself in a couple of years with the price of bitcoin at €150,000 and you having accumulated a little more, say 0.3 bitcoin. It doesn't give you enough to retire, but it gives you security.
Keep at it.