Being Explicit: Wealth Cap Means Don't Worry

 If you trade stress for more wealth, it will always be exactly worth it. If you stop stressing you will lose wealth of exactly the value of the peace of mind you gain. 

 When an action doesn't seem like it's worth it, it's because it's not. If you're preparing against eventualities you genuinely care about, it's not stressful. You don't get anxiety about going to the store to buy food, even though you'll agonizingly starve to death if you don't. You get anxiety about trying to make your boss not fire you, because there's nothing you can do about that, if and only if there is nothing you can do about it. You get anxiety because you've already spent your wealth cap, but hallucinate that you can spend more. 

 You can go ahead and stop hallucinating that.

 Put another way, if you don't have money for food and looking at starvation, you still don't get anxiety. While $food > $bank is unpleasant, there's nothing ambiguous about it. You don't attempt to go to the store anyway. "Why doesn't this fiver buy $10 of food? How do I make it buy $10?" <= that's what anxiety is. It feels like you're going crazy because you have gone crazy. Cue midwit meme. Solution: drop the delusion. 

 It is logically impossible to "miss out" on anything. If you do miss something, it will merely open up space in your wealth cap and you'll be able to allocate it to something else. 

 There's a few things you can do to avoid great divergences of spiritual and physical reality, especially the ones that can kill you. However, you have almost certainly done all these things already. Accept that they are done, and stop trying to buy things you don't have the money for.

  

 Crime really doesn't pay, unless doing crime is your end goal. If treachery is what you want out of life, then of course it's foolish to trade treachery away for anything. Otherwise, it always counts more than double. Crime doesn't just make the neighbourhood poor, it makes the criminal poor. Even if they're the king. 

 You never have to be concerned about the criminal getting ahead of you. Mindlessly secure your shit and don't worry about it. Even if he gets temporarily ahead, turns out karma is real and it will drag him twice as far back. 

 You don't have to worry about life-changing opportunities. They're surprisingly common. Daily for some folk. Revenge is Sour: if you "miss" one, it won't be long before you can make your own. The condition of seeing a life-changing opportunity is having already changed your life. 

 If you get "life-changing" amounts of money, you will squander it. Whether it's from the lottery or from fighting like crazy for a promotion. Don't worry about trying to grasp for every dollar. If your physical wealth exceeds your spiritual wealth, all that will happen is a correction event.  

 The upside is that if your physical wealth is greatly lower than your spiritual wealth, you will start finding $20s lying on the sidewalk. Usually metaphorical, occasionally literal. Karma is real and debts will be paid in both directions.

 Don't worry. I mean, unless you like worrying. In your case worrying more will count against your wealth cap. You will have to spend time and money and ignorance on worrying more, but you certainly allocate all your disposable wealth to worrying if that's your jam. 

 You can, however, allocate your wealth wrong. Trying to get rich for wisdom won't work. Trying to get wise so that you can be rich won't work. Especially the latter - wastefully spending your money is easy, but returning to ignorance is distinctly less so.
 Especially look out for things with proper market prices that you don't crave. If you live in a large house but don't value lots of living space, it's the market value of the house that will be charged against your wealth cap, not the value of the space to you personally. If you buy a flag specifically to burn it or a bottle of libation specifically to pour it out, the fact it has no value to you won't stop it from costing you part of your total lifetime savings, because it's an exclusive good that has value to someone else.