I use the "Jordan" method

I want to XYZ.... "How will that affect Jordan?" if the answer is anything short of positively, I decide against it, regardless.

My child will not pay for anymore of my mistakes, that is something I would stake my puny paycheck on.

If for whatever reason, a decision will not affect Jordan (which is super super rare), well then like Woolly Bugger, I check in with people I trust to be my sounding boards.