There is some research that seems to point out to genetic factors. My only experience with this subject seems to corroborate this, but it's anecdotal. This is true for some other mental health issues too. TL;DR I'd be very careful if there's any history in the family, as in your case.

Given that you suspect that you are neurodivergent(you mentioned autism), please talk to a professional. Maybe figuring out exactly what makes you tick is what you need - or maybe there's something that's preventing you from feeling 'joy' (anhedonia is a classic depression sign).

Don't wait until retirement. You can certainly afford talking to a therapist (from a monetary perspective at least, time may be another matter). But just do it.

I think that 'joy' is a target that can't be reached. No matter how wonderful one's life become, we'll adapt. Joy is fleeting (but you should still experience some occasionally). Not hating having to wake up is a good first goal though. I'm also working on that part.