Isn't an examined life NOT worth living?

A common theme in philosophy is that you can't understand life and live life. I don't necessarily agree, that is to say that i don't completely disagree, I would say that life understood is life lived. Also, there are real answers to those philosphical questions they are just not predeterministic, they vary from the individual, and you create them just like you create everything else in your reality, and once you realize this you'll see that examining your own life does not bring despair so much as a real feeling of exuberance, your life is yours to create.