Use of unencumbered in describing personality

I am looking for a word to use to describe a person who is, in a nutshell free from many of life's burdens most other people are subject to. Someone not carrying a proverbial load, weight, baggage. Someone unencumbered? Unencumbered with financial worries, bills, emotional baggage, the Jones effect, opinion of others etc.

Is unencumbered a good word or is there a better one?

Unencumbered is a very good word. There are others, if you want; one is free spirit a person who is not constrained by convention, as in lifestyle or dress; if you describe someone as a free spirit, you admire them because they are independent and live as they want to live rather than in a conventional way. You could also consider nonconformist or unburdened, but as I write these out, I don't think they are as good as unencumbered.

unencumbered has one shortcoming: it almost always requires to be used in the form unencumbered by {something}, which means that to describe a person, you have to list the things by which that person is not encumbered. I think that can be a little clumsy and unclean, and that it might be in better form to just use a word that doesn't require you to list a set of specific things.

You may want to consider carefree, insouciant, untroubled, or perhaps even easy-going, in certain contexts.

If you word your phrase carefully, then light would also be a great word for the task --- I think that to live lightly is a particularly nice and expressive phrase, though that may just be my personal preference. (I think it would work well in this context because the burdens you describe are necessarily heavy, so light works well as the obvious antonym.)