Zen as a financial topic is finding a calm place when dealing with your finances. Zen is balance, where you are not always worried or overly confident about money and finances. Strive for financial zen
When it comes to the Fear of Missing Out (FOMO), maybe it is better never than late financially. Giving tricky financial advice a pass might be the best choice.
Is a water-bed one of the reasons you are (or are not) getting a good night sleep? For me sleeping on a waterbed was a problem for sleep, but it is great for other folks.
