3527.43 times harder

Yes, that's right. My life just got 3527.43 times harder. Ok, I know that I don't have kids and husband, not even a dog or a goldfish, and I still live the dream life. But this PT and being dark out till 7am is making my life even more miserable because:

I need to get in bike(4/week), swims (5/week), runs(well...) and now an hourish of PT 3 times a week. I have to do it in the morning M, W, F. That rules morning bike workouts out, although it is dark at 6am so those might be ruled out soon anyway.
And I cannot run so I have to use an elliptical for which I need to go to the gym. But I really can't do that in the morning on T and Th because I would have to get up at 5:30 which is not an option since I get home past 10pm everyday because I must do swim workouts in the evenings.
So to wrap it up, trying to in 3 PTs, 4 bikes, 5 swim and 5 "runs" while working full time and not having a car (thus getting to places takes me 3times as long) is a mess. Take today, I did PT in the morning, got home from work at 5:30, did bike workout, rode to the Y, did swim workout, changed, did short elliptical workout (23min w/ 5x3min hard) and got home at 10:15. Lovely, isn't it? How do people with families do it?

I need to find a good system to all this. I don't mind doing it at all, I have nothing better to do anyway but cramping 3 workouts after work is not a good idea because then the workouts are inevitably not of the highest quality.