Everything is subjective. There’s no real one-size-fits-all plan for life that works perfectly every time. You have to think in terms of your own personal goals and your own risk tolerance. It’s a bit like investing.
In investing, you have personal goals. Either you can choose investments that are riskier for a chance at greater profits, or you can take the safe route and invest in something stable with less volatility for lower returns. No choice is necessarily “wrong” — it’s just a matter of preference. It just depends on what you want out of your investment.
The same thing goes for life itself. You can either choose to live on the edge your entire life with a greater chance of failure or you can simply do what’s stable. It all depends on your life goals and what you want.