Though a monastic lifestyle might be more conducive to enlightenment than a busy life within the world, when it comes to individuals rather than models all fixed preconceptions collapse. Some lay people with heavy family and social commitments manage to make such rapid progress that they can give guidance in meditation to earnest monks, and it is not rare at all to find sincere monks deeply committed to the practice who advance slowly and with difficulty. While the monastic life, lived according to the original ideal, may provide the optimal outer conditions for spiritual progress, the actual rate of progress depends on personal effort and on the store of qualities one brings over from previous lives, and often it seems individuals deeply enmeshed in the world are better endowed in both respects than those who enter the Sangha.
Lifestyles and Spiritual Progress, by Bhikkhu Bodhi
This is not to suggest that the monastic training is irrelevant to the practice of meditation. The monastic setting may provide an optimal setting for progress on the spiritual path. However, as the familiar disclaimer states, individual results may vary. The particular setting of spiritual practice matters less than the traits of the individual, just as with music, or dance, or any other discipline worth developing.
I guess what I’m trying to say is this: don’t think you are unable to make progress in your meditation practice simply because you are unable to devote yourself to extended periods of monastic style training. If you wait to begin a practice until the optimal setting becomes available, you will more than likely never begin at all. So, learn to make the most of what you have, and know that real progress is within reach.