Hi Vitai
Just thought I would share some of my personal history, as I can recognise a lot of my slightly younger self in what you write.
When I was in my 24th year I worked a full-time job at a bank, took my bachelors degree and had an ex-girlfriend in the hospital with chronic kidney failure. I had basically no free time and no desire to have any free time, as I would feel guilty about not working / studying / visiting. Thus my horizon was the far future, when she would get well, I would have finished university and when work would be less stressful. I completely forgot myself, my ex and my friends in that process. And I think that you do the same. The guilt of not working, because the good life is at the end (FI) and not now, will not prepare you for the eventual FI. If you do not know how to enjoy your life now, how are you supposed to when you retire?
The good part is; you do not need a life, you already have a life. And based on your comment, a life with a lot of leeway to go out and enjoy what already is AND save a ton of money :)
For myself I had to get really sick before it stopped, but I hope that I am an outlier and that you will not need to go there before turning around. Take baby steps first. Just try and sit down and do nothing for say 20 minutes. No surfing, no work. Allow yourself the luxury of doing nothing. If you are like me, this will at first be worse than torture. Your mind will find any excuse to barrage your with desires and reasons why this is not a good idea. Let it be (if you can. If you canīt just do it for 5 minutes). Donīt start hammering yourself about NOT being able to relax, just let yourself be with whatever there is.
You donīt need "vacations" you just need plain old free time to relax, and you need to let yourself LET yourself relax. Make a sandwich, grab some tap water and go eat it outside. Start looking around. Maybe the library has a free talk. Maybe the local bar has some "talent" night. Sneak in take a peak. Talk to some friends about just relaxing together. Most importantly in the start; it is ok to fret, it is ok to think that you are wasting time and that you could be working. What you lack right now (I presume) is to accept yourself as you are; a young man making a ton of money and worrying a lot about things you can not control, and worrying about worrying :) accept it and move on slowly.
Because I am a sucker for poetry, here is one:
Do remember to forget
Anger worry and regret
Live while you got life to live
Love while you got love to give
-Piet Hein