I don’t know how to write this as I feel regardless of how I write it I’m going to look like a serious idiot. People have actual problems and then there’s me with this.
I feel like I’m in a really weird place at the minute in my life. My career is actually the best it’s ever been - earning the most amount of money I’ve ever earned, enjoying my job and not feeling massively stressed by it. However, outside of work I just feel like I’ve got nothing to show for it and I’m just letting life pass me by. I’m earning all this money, able to save healthily and have decent monthly budget (not bragging, someone will always have more than me and I’m just trying to paint a picture). I have got this desire to go and travel to loads of places using my weekends and annual leave but no one to do it with. I don’t feel comfortable enough to go to different countries on my own (but I think I’m gonna have to get to this point). My best friend isn’t on a much money as me and I feel like this disparity is really showing itself. It doesn’t bother me, it’s not really a thing and I would absolutely cover her (as I have in the past) but it’s kinda stopping us (me?) doing stuff because it’s shut down before we have a chat about “let’s plan this and pay it off accordingly so we’ve got plans and no one is feeling the expense abruptly”.
I just want my friend to be able (want?) to do exciting stuff with me instead of me suggesting things and her being like “I’ve only just got my savings looking healthy again.” I can offer to sub her money, or she can pay whatever I cover for her whenever but she doesn’t like stuff like that as she’s voiced feeling like she doesn’t want to “owe me”. It’s not like that for me and I have explained this. So to respect this and I suppose meet in the middle, it’s about having a chat about paying stuff off with ample time, yet we don’t even get to that point.
I feel at such a loss, like I don’t really have a friend. It’s making me feel insecure in suggesting things cause I feel like I’m just going to get a knock back or feel like maybe she just doesn’t wanna do that stuff with me anymore and this the perfect excuse and there is an avoidance to say the real reason

It’s first world problems.
This is a massive brain dump but I just needed to put it somewhere (and that somewhere probably should’ve been my chat with her rather than here but I think I want to try and be clearer with my thoughts before doing that).
What would you do? Should I raise it? Should I join one of those groups for women who want more friends? Should I just go away by myself but on one of those group trips?
Sorry for war and peace