Pay off the truck. Keep the boat. Don’t hold onto debt because of a credit rating.

Stay in the moment, enjoy your life. Because nobody knows what’s going to happen next. Nobody.

If we crash and it gets really ugly, well then being on the water will be even more important to you than it is now.

And, you will have two free and clear assets that you can use to generate income or sell/refinance if need be to generate cash. (Many years ago during a real estate crash several of my friends used their cars, boats and even jewelry for down payments on homes and apartment buildings).

What is the point in earning money if you can’t enjoy it? You are enjoying the fruits of your labor now. That’s a great place to be. Stay there.

Start planning from this point forward how to take advantage of a crash (or no crash, or something else you can imagine) and keep that which gives you pleasure.

Because believe me, a happy disposition and wonderful friends are 90% of life’s mastery and if you’ve got those two truly handled, nothing but good will come your way.