Keep in mind, the popularization of the concept of a mid life crisis was a tiny piece of a man's career that he thought was useless and unexciting. Sound familiar?

I'm older than you, and been through similar, and my life radically changed later (for the better now, I'm lucky), so things are different for me, but, my advice from me back then:

Excitement != Change

You need something new in your life. Your wife probably does to. If you feel like you're in the right life situation, with her and yourself, do your best to throw yourself into something. Figuring that something out? Really hard.

For me/us, ripping the seats out of a minivan and building a folding bed, running water, etc, and using it to travel around to local trailheads or breweries and camp in random locations many weekends was just the thing. Even the experience of traveling to get a good deal on the van was new and fun.

Excitement doesn't always come looking for you, but it's still out there.

I don't think you need to be in the middle of a mid life crisis for what I said to be true. Things that used to be exciting become routine and boring. The crisis in my mind is when someone keeps needing that high, keeps chasing that high. They keep buying new things, new car every 2 years, fancy trips, etc instead of appreciating the small things in life.

You’re having a midlife crisis. Life sucks, your teenage years were a free trial, but you’ve been playing the game and realized it’s a big old turd sandwich structured to get less fun as time passes.

We all realize it at some point, some people earlier than others. Ultimately, you realize you can either have kids and get a distraction from the recent revelation or, you can suck it up, not have kids and realize it might not going to get much better and try dealing with the debt.

Wait until you hit your 40’s and you start seeing weight gain, joint pains and hairloss. And if you’re really lucky… erectile issues. Some of us see our crisis in our teens, just be happy you were able to stay oblivious as long as you were.

That said, I’m still chugging along knowing all this and I’ve learned it’s far easier to act happy, than be happy. So act happy, hell you might end up believing it.

I've recently seen some statistics about perceived happiness by age distribution. Turns out, it's sort of an inverted bell curve. People in your age group are feeling significantly worse off because the more positive youth experiences are still quite fresh while you're not ready yet to adequately deal with the downsides of adulthood. This is a kind of midlife crisis. The good news is: It will get better, statistically.

And a more personal note from someone suffering from intermediate depressed states: It might not really help you right now, but there is a soothing realization in that most of the burden you are feeling right now is only in your head. A different state of mind is possible, but you'll have to work on it. The big foggy cloud surrounding your head is not THE reality but your current perception of reality and that can be changed. Sometimes it helps to just get a different perspective, and you'll get to that if you try new things that look even mildly interesting. Get out of your so-called comfort zone (which isn't that comfortable anyway as you know by now) and do little things every day that you haven't done before. Even if the specific things you are trying out might turn out to be a failure, you'll discover other interesting things along the way. A word of warning... Don't let anyone guilt trip you, if you try new things. Your environment usually doesn't want you to change and that can be a problem, because if you change yourself your environment has to deal with that change too. So make sure you find people who support you as a human being, instead of just supporting your role as a good parent, employee or debtor. Also check for yourself if all the things you feel obligated to do have to be done in the exact way you are doing them right now. Maybe there are some adjustments to be made to gain more personal freedom, to get regular breaks from the chore in your daily life.

Good Luck!