Before adding detail, divide the decision into three columns.
- Know: Current take-home pay, today's debt balance, the quoted rent.
- Assume: Likely freelance income, future travel costs, an estimated return.
- Test: Ask payroll, request the insurance quote, try the commute, build a cautious scenario.
This stops assumptions from quietly becoming facts. It also turns uncertainty into a small research plan.
What to try next: Pick the one assumption that could reverse the decision. Find the smallest safe way to test it.