IPA: /ˌʌnɪnˈkʌmbəd/
KK: /ʌnɪnˈkʌmbərd/
Not having any burdens, worries, or responsibilities; free and clear.
After selling her house, she felt unencumbered and ready to travel the world.
Unencumbered → It is formed from "un-" (meaning not) and "encumber" (from Old French *encumber*, meaning to hinder or burden). The word "unencumbered" means not burdened or hindered by anything.
Think of being 'not' ('un-') 'burdened' ('encumbered') — that's why unencumbered means free from burdens.