The turning point really was much sooner, like years ago when I knew my life sucked, I hated society and it's ways, I questioned existence, used philosophy to try to find answers (which to no avail), and more. Then I started to research methods and means, and near end of 2018, I acquired my method, which means I would have CTB'd in 2019. I didn't in 2019 because I just hung on to live a bit longer to experience some stuff in life. I went from being actively suicidal to passively suicidal, not wishing to immediately die, then in 2020 I decided, this is it, life no longer held anything worth to me to stick around and at best, it is a fleeting moment with much more strain, suffering, and grind only to reach another fleeting moment. It's time that I just spare myself the trouble and anguish of all this suffering, effort, just to have a fleeting moment of joy.
So in short, I am (and have been) living on 'borrowed time' since the last few years.