Mostly we don't have enough information to decide exactly what is best and must do the best we can. I will try to show how that might best be done using lots of examples.
My most important advice is this - listen carefully to your own thoughts about a situation. We are all bombarded by other people giving us advice. Most of those folks want something in return - money, votes, whatever and so there advice is to be considered very carefully. I am not of course suggesting that we should ignore expert factual information. There are situations we need to act on where we don't have all the information we need and experts do exist and are to be heeded. Notwithstanding their sometimes spectacular failures they do get it right more often than not. (We fly in aircraft and trust with our lives the folks who design, build maintain and fly these marvellous machines. They are experts and they are right many times more often than they are wrong)
I am more concerned that we do not listen too much to the wider noise from advertising, politics, journalism, media, religion or whatever, all of whom try to tell us what to do for their own ends. By and large their views should be put carefully in their place. You and I know far more about our own situation than any of these folks and I would give as my biggest and most important advice that you listen carefully to yourself and as far as possible ignore these distracting voices. You are much more capable than these folks would wish you to believe. I wish to encourage you to have more self confidence in your own inner strength and knowledge. Go to genuine experts for the facts but, as they will seldom be enough, make up your own mind thereafter. You have the ability. Stay calm, sit quietly, think about what you have experienced and what you know and make up your mind. You will be right more often than you will be wrong. Your life will be the better for it. I will develop this theme over time and show how it can work.