2 simple questions

Hi great question! To make life easier is a simple answer with a complicated solution. Reduce stress. Stress damages you in a million ways, debts are stress pay em off ASAP an avoid new ones, goals are incredibly important but you have to be so careful what goals you have. Too many and u will give up, too hard and failure will hurt you, you will need a goal management strategy. My method is to make a list of possible goals then u assess them by what is ventured and what is gained, good luck!