I agree on #2. I burned out and lived off my savings for a while (granted I was fortunate in that I HAD savings), and started biking and working out more to try to accomplish a long-time goal which I had always told myself I didn't have time for. I lost 45 lbs and eventually started gaining muscle. Being able to bike farther and farther each day without wanting to die gave me motivation to keep going, and further the numbers on the scale helped.