Circumstances In Opposition

I hear you. You want to exercise, work out, swim, etc., but circumstances impede your way.
I am once again living in a community where there is no gym within a reasonable drive, and when I go to the gym the commute takes longer than the actual workout. It's a 40 minute drive each way, so the getting ready, the commute, finding parking and the workout itself eat up three to three-and-a-half hours a day. That's a lot of time not to be attending to income-generating business. So as an alternative I work out at home. But the basic equipment at home doesn't even begin to compare with the sophistication and variety at the gym, and so my progress is stunted.
What to do, what to do?
Happiness in life to a large measure begins with acceptance. And that includes not beating yourself up when you are truly making an effort. When I drive to the gym I feel guilty that I am ignoring work in a diminished economy where having an income that allows me to grow a rainy day fund is imperative for my own peace of mind. And the best way for me to do that is stay at home and put in the work hours, because peace of mind is something at the very top of my list. But when I don't go to the gym I feel guilty in a different way because my personal fitness goals suffer. I think Oprah places this dilemma under the heading of "having it all."
Right now I can't have it all.
For many years I was in a situation that was ideal for reaching my fitness goal. Economically and personally things were better, because the 2008 crash hadn't happened yet. Then I lived in a huge city, 15 minutes from 4 different phenomenal gyms and certain complications that exist today did not exist then. Today I live in a rural place that I love, and having  friends in distressed situations involving finances, health issues and relationship fiascos, despite things not being even close perfect in my own case, has made me fully realize what I do have and how lucky I am compared to my friends.
Like any normal person, I do want it all, and so should you. But we can't always have what we want when we want it. All we can do is make the best of what we have at this moment and keep laying the groundwork for the future so we'll be prepared when opportunity again presents itself.