it used to happen to me quite a lot, wake up when the alarm of the clock decided it was time and i didn't want to face an other shitty day, all for what? to stayt 10 hours at work, come back home, eat go sleep and repeat again... it changed only when the kid was born as the mind was always busy...

but it's true, as you say we are in a rat race... i wish you that one day either on health or financial side things can turn better