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I know there are all these techniques and things, but I'm a working mom with 4 kids and I don't have the time or energy when it comes to be bedtime.
I think the biggest red flag is right there - stress. It doesn't have to be life-threatening or pulling-hair-from-your-head stress, but that tends to shift our focus away from certain things especially at a time when our mind is letting go (while falling asleep).
Try paying attention to what thoughts you harbor when your in the process of falling asleep. Are you recapping the day? Worried about the kids? Thinking about bills? Your focus should be your intent on dreaming. You may start out with that intent already, but your mind is probably wandering and by the time you get to late stage II, you're on a totally off topic.
I'd suggest a simple meditation technique during the day (if possibe): Sit still, close your eyes, and try to block out ANY thoughts from your mind for 20 minutes. Imagine you're in a room with no windows on a planet with no sun under a thick blanked at night (dark enough?). It's ok if you can't find a perfectly quiet place. I actually find some background noise helpful as it gives me the impression that there's something "out there" and I'm "inside" this pitch black sphere.
Hope this helps.