Let's take a minute to talk about change. I've been

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Let's take a minute to talk about change. I've been watching a lot of videos and reading a lot of articles about it and of all the common ways to fail at changing I realized that there is one that's not often touched upon.
The lack of a reason to change. Now you'll read and see a lot about how you need a "why" in order to succeed in your endeavors. Whatever reason means the most to you, your life purpose and on and on. However, I have been trying to change of a few of my habits lately and I realize that I don't have any "why"'s that are significant enough to trump my current life. My life is pretty damn good, so I'm having trouble coming up with a reason to change it. It's a great life but not the life I want. I wish I could claim that I'm not complacent because I think about change a lot, but my issue is two fold. I also don't follow through. I don't have a reason to and all that jazz. I'm 24, in the Air Force, I have a great girlfriend; two cats a nice apartment and a sturdy car.

How do I overcome my complacency and get to a point mentally where I HAVE to change and build off my current environment?