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In this quote, Suze Orman is describing an important aspect of achieving financial freedom. When she refers to having one’s “heart and mind free from worry about the what-ifs of life”, Orman means being free from anxiety and stress over potential future financial problems or uncertainties.
She suggests that true financial freedom involves a sense of security and peace of mind, not constantly worrying about “what if” scenarios like job loss, health issues, market downturns, etc. that could impact one’s finances.
The quote implies that properly managing money helps provide psychological freedom from those types of concerns. So in essence, Orman is conveying that financial independence also means independence from money-related fears and doubts.