At 40 years old, with over one million in debt, I still feel deeply grateful

Just double-checked my accounts again
My debt increased by 18,463 yuan compared to last month
Last month's income was 12,600 yuan
Paying off the mortgage, loan interest, and credit card debt totaled nearly 10,000 yuan
I borrowed 230k yuan through an agent, a 3-year interest-only loan, with the agent fee at 6%, totaling 14,000 yuan
Why do I say I’m grateful?
Because after my wife learned about my huge debt, she didn’t argue with me, she just asked me to review why I owed so much money, then plan how to solve the repayment issues and how to minimize the interest. She also said she would support me to get back on my feet, which moved me and made me feel guilty. With such a good wife, I must work harder, live well, and pay off my debt as soon as possible.
I also feel grateful that heaven is testing me with debt, not punishing me with illness. Debt has made me realize that I must not treat money lightly, avoid impulsive spending, and never waste extravagantly. I need to increase income, cut expenses, and learn financial planning.
At 40, I want to start over again. $ETH