In this sense, intelligent living is complex and a lot of trouble. On the other hand, many, many other people before you have faced the same concerns. Therefore, given the right flow of information, you could benefit greatly from the experience of others and from some advanced preparation to face a wide variety of predicaments. Ideally, each of us would have in our heads a readily available, comprehensive self-help system for solving many kinds of problems . Such a system would be based on a sound general understanding of behavior and relationships, i.e. a science of coping.
Much knowledge is already available.
Wise people have gathered wisdom for thousands of years. In addition, during the last 100 years, psychology has learned much that is new as well as confirmed many of the beliefs of wise people. There is a rough consensus about how to best handle many situations. We have many such methods. We don't need to invent the wheel every time an ordinary problem comes up.