I have been writing. Not as much as I'd like (what else is new?), but slow progress is being made.
The chief obstacle is not actually time, but time management.
There are things I spend time on instead of writing, which I could cut down on or drastically curtail. There are also other factors that drain my time and energy, but I am not placing the blame on external forces. I firmly believe that with few exceptions, anything you say you want to do, if you really, really want to do it, you will. This applies to everything from getting out of debt to kicking an addiction to losing weight to climbing Mount Everest to.... well, finishing a book. If you really want to do it, and you are physically capable of doing it, then if you don't do it, it's because you actually have prioritized other things higher. Maybe with good reason! Maybe because what you want to do is really, really hard and when it comes down to it, you aren't motivated enough to make it happen. But the truth remains. It's not that you can't, but you don't.
As I said some time ago, I am no longer giving ETAs on completion. It will happen when it happens, which won't be as soon as I would like or as soon as you would like. But I am working on making it happen.