@courtcan You got it! I’m recently retired and I think I you figured out the key. It worked for me. **There is no formula** At best, what we have is a toolbox. Tools can be anything: rules, skills, a bit of knowledge, a personal value, whatever. The trick is knowing which tool to use at any moment, because life is moments. There is only “now” — yesterday already is in the past and tomorrow has not come yet. That’s it.