The space you feel between where you are and where you want to be is real, not imagined. It's the bundle of anxiety you feel on Sunday night before you return to your Monday morning routine with the only exciting thought being that the next weekend is just five days away.
How you got to this point in the job, the relationship, the steadily climbing debt, doesn't really matter. What's most important is that you get out! Change is scary, but so is facing the end and wishing you had taken the exit on the right you passed years ago.
Be grateful for what you have but don't ignore what you need. It could be yours if you started walking in a different direction and stopped accepting a life of business as usual.