Cruising On Up?

I just took a look at my goal list before graduation and I seem to now have a problem with it. Its not like all the tasks on the list are hard, in fact, I know I'm capable of doing all of them and thats what seems to be the problem.
As of right now, I feel extremely content with where I'm at, it seems like I could live the way I am right now, for a really long time. In fact, I wouldn't give any of it up. But the problem lies in complacency. How do I know when the turbulent waters will be coming when there are none around? For all I know, life will come crashing down tomorrow and I'll be unequipped for it. I've lived my life as an observer, someone who just gathers data, but now its like I'm a field agent, up in the front lines, yet no one else knows that things have changed, that their is another person who in the action. They don't realize that I in the midst of it all.
Whats wrong with that is the fact that while I'm busy living life, the rules will have changed without me knowing. In fact, I heard somewhere that according to something along the lines of quantum theory that merely observing an experiment changes its outcome. Will the fact I'm no longer observing life change its outcome? I guess I'll just have to enjoy this amazing distraction and I won't have a problem with that.