Money stresses me but analyze: anxiety or real financial problem? Map finances: actual financial situation vs. anxiety about money vs. scarcity mindset. Calculate: real financial issues vs. anxiety-driven fears vs. what's manageable. Show me the distinction: real financial problem vs. financial anxiety. Give me the assessment: I need financial help, I have anxiety about money. Include: whether finances are actually problematic, if anxiety is exaggerating issues, and what to address first.