In your 20’s you say you’re doing accounting work, in your 40’s you are an accountant. When expecting a personal transition to happen later, it is often equivalent to delaying it indefinitely.
Even if you want to enjoy life more instead of working on your habits during your 20s (which I completely understand), I recommend blocking off some time during that decade to temporarily establish really positive practices in different areas of your life.
Someday your future self will have to deal with the consequences of the habits and practices you established during your 20s. The time to begin is now.