>We’re in a much more precarious place financially now, after a few non-spreadsheet-related surprises, but we’re still determined to make whatever decisions we can to improve our lives. This, imho, shows the issue with basing life decisions so relentlessly on personal data no matter how well collected. Either the unexpected catastrophic scenario hasn't happened so you don't hedge for it or it has happened and you hed…
Are you saying we shouldn't track aspects of our lives because that could lead to essentially "overfitting" decisions based on personal data? I don't think the data or the collection of the data is the problem - it's ignoring black swans.
I'd argue that our decisions are always influenced by our personal, recent past. If it's not explicitly written down in a spreadsheet, it's imprinted on our subconscious and associated with related emotions.
At least spreadsheets/journals allow us insight into details that we're likely to forget in our day-to-day lives. I think personal tracking is a net positive for anyone.
[1]: https://en.wikipedia.org/wiki/The_Black_Swan:_The_Impact_of_...