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How to Be Carefree

One of the greatest luxuries in life is to not have to worry. This isn't possible for all people at all times, but there are things all of us can do to be more carefree, especially those of us who have only "first world problems".

Be very deliberate about taking on obligations. The obvious example is debt, which I talk about all the time. Most people make debt decisions based on their current situation, and not an evaluation of all reasonable outcomes over the term of the loan. Rather than worrying about the debt before they assume it, they are forced to worry about it over the term of the loan. And of course if something happens, it's even harder to be carefree.

Obligations extend beyond finances, though. Everything you purchase, especially large purchases, comes with some obligation. For example, with all of the properties I've bought with my friends, I'm essentially always on call to deal with them. More than once I've gotten an email from our Hungarian accountant saying, "You really need to come here by the end of the month to sign a document." Those obligations are worth it to me, and I can remain carefree and deal with them only because I've been judicious about taking on other obligations.

Don't totally avoid obligations, just make sure that the benefit accrued from them justifies the obligation.

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