Something I wish I did at least as much as recommended (in Brazil, which is, say, half USA's recommendation): Worry about $$$
I avoid this worry because: 1) Getting $$ seems boring compared to going to the movies, reading less wrong, creating transhumanist charities. 2) It seems to be a lottery, where the few get a lot. Not being motivated for this decreases my odds. So my odds are really low. 3) Grown up as the son of a motivated money-maker, and have seen what it takes to get his share. Not willing in the least to pay the price. 4) Not an ambitious individual, never want to live alone (prefer with friends), or have kids, dislike expensive fashion. 5) Feel in control of my time now, wouldn't if working. 6) Have a lot of knowledge of philosophy, psychology, and a natural tendency for speaking to audiences, would waste all those talents if went to commerce, banking, industry, or anything that will pay me more than one third my parent's household income 7) Never had an emergency situation which would cost too much that I could not afford 8) Seems reasonable to assume that an extrovert individual with a degree from the country's best university IQ ~150 would be able to acquire money as soon as the need really comes, so no reason to do it in advance, just like no reason to have arthritis or alzheimer in advance.
Strategies for dealing with money seem to me to come in two varieties: Have as much income as possible and don't worry much about the outgo, or have as little outgo as possible and don't worry much about the income. It seems to me like you'd prefer the latter, and I don't see anything wrong with that.
It is a less popular kind of choice, and one that many people don't really understand, so you might always have to deal with people objecting to it, but that doesn't mean it doesn't work, it just means that they don't understand it, or possibly that they're je...
An exercise:
Name something that you do not do but should/wish you did/are told you ought, or that you do less than is normally recommended. (For instance, "exercise" or "eat vegetables".)
Make an exhaustive list of your sufficient conditions for avoiding this thing. (If you suspect that your list may be non-exhaustive, mention that in your comment.)
Precommit that: If someone comes up with a way to do the thing which doesn't have any of your listed problems, you will at least try it. It counts if you come up with this response yourself upon making your list.
(Based on: Is That Your True Rejection?)
Edit to add: Kindly stick to the spirit of the exercise; if you have no advice in line with the exercise, this is not the place to offer it. Do not drift into confrontational or abusive demands that people adjust their restrictions to suit your cached suggestion, and do not offer unsolicited other-optimizing.
To alleviate crowding, Armok_GoB has created a second thread for this challenge.