I have heard similar statements from people online who decide to pursue minimalism. I want to share that I started a minimalist journey without earning a lot of money first. I don’t consider myself living paycheck to paycheck but still have to be frugal at times.
The whole gamification advice really sticks with me. You mentioned the app Calm for meditation. I would suggest the app Habitica (also has a good website) for helping with gamifying your life. It helps with tracking to do lists as well as good and bad habits.