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What Should I Do with My Life? {{ hubdb_table_rows('promo_codes_and_rates')[17].year}} Guide| PrimeWay Federal Credit Union

Written by Laurie Masera Garza | May 23, 2025 5:18:46 PM

What to Do with My Life?

Life doesn't always go the way we planned. Sometimes, something big happens a death, an illness, a breakup, losing a job and it shakes us. It can leave us feeling lost, confused, or stuck. In these moments, it's normal to ask, What should I do with my life?

A nurse named Bronnie Ware spent many years caring for people during their final chapter of life. While helping them, she also listened deeply. These people shared honest thoughts about their lives what brought them joy, and what they wished they had done differently.

Here's what many of them said: 

  • "I wish I had lived the life I wanted, not just what others expected."
  • "I wish I hadn't worked so much and missed time with the people I love."
  • "I wish I had stayed close to my friends."
  • "I wish I had let myself enjoy life more."
  • "I wish I had been more honest about my feelings."

These words are not just for people at the end they're for the rest of us, too. They remind us that even in hard times, we can still choose what comes next. We can change. We can grow. And we can still find meaning and peace.

This article is here to help you think through some of life's hardest moments. Whether you're grieving, starting over, facing illness, or just feeling unsure, you're not alone. Let's take it one step at a time and talk about what you can do when life feels heavy or unclear.

What This Guide Will Do

We will look at different tough situations that can make you ask, "What should I do with my life?" There are many reasons why life can feel this way, and each one brings its own kind of hurt. You don't have to read everything. If one section speaks to what you're going through, feel free to start there.

Here are the topics this guide will cover:

  1. How to Handle a Major Financial Crisis
  2. How to Choose the Right Education for Your Future Job?

For each one, we'll talk about why it hurts so much and what feelings are normal to have. Sometimes, just knowing that what you're feeling is okay can make a little bit of difference. We'll also talk about small, simple steps you can take to start feeling a little bit better, one day at a time. 

1. Coping with the Death of a Loved One (Parent, Spouse, or Close Friend)

When Someone You Deeply Love Dies
(A parent, a spouse, a close friend. When they go, your world changes.)

If you are reading this, you are probably carrying a kind of pain that feels too big for words. The kind of pain that sits in your chest like a rock and does not let you breathe easily. When someone you love deeply dies, it is not just sad. It is life-changing. They were part of your daily thoughts, your memories, your plans. And now they are not. That kind of loss does not just hurt your heart. It changes how the world feels. Colors might look dull. Food might lose its taste. Laughter might feel far away. Everything feels different, because everything is different.

Let us start with something simple and true:
Grief is not a problem you need to solve. It is not something you are supposed to "get over". Grief is a wound. And like any wound, it needs time, care, and gentleness. It is a sign that you loved deeply, and that love does not just stop when a person is gone.

Remember, this journey of grief is yours, and you don't have to walk it alone. Be kind to yourself, take one tiny step at a time, and hold onto the love you shared. That love never truly goes away.

What Grief Feels Like (And Why You Are Not Crazy)

Grief is not one feeling. It is a storm of many. Sometimes they hit you one at a time, sometimes all at once. You might feel fine one day, and the next day, you feel like you are falling apart. That is normal. Grief does not follow rules. Here are some common feelings you might recognize:

  • Sadness: Deep, aching sadness. It comes in waves. Sometimes you cry. Sometimes you feel like crying but the tears will not come.
  • Anger: You might feel angry at the world, at God, at doctors, at the person who died, even at yourself. Anger is a way your body tries to protect you from helplessness.
  • Guilt: You might think, "I should have done more," or "Why did I say that?" or "Why did I not call more often?" These are painful thoughts, but they are also very common. Most people feel them. They do not mean you did something wrong.
  • Numbness: You might feel nothing at all. That is also grief. Sometimes your body goes into "protective mode" when the pain is too much to handle.
  • Fear: You may feel scared about the future. Who will take care of you? How will you go on? What will your life look like now?
  • Loneliness: Even if you are surrounded by people, you may still feel deeply alone. The person you lost had a special place in your heart. Nothing else fills it.
  • Relief: If your loved one suffered, it is okay to feel some peace that their pain is over. This feeling does not make you a bad person. It makes you human.

You might feel all of these. Or some of them. Or others not listed here. Your grief is your own, and it is okay to feel whatever you feel.

How Grief Affects Your Body

Grief does not only live in your heart. It lives in your body too. You might notice:

  • Trouble sleeping
  • Changes in appetite
  • Exhaustion
  • Aches and pains
  • Getting sick more often

These body symptoms are not a sign that something is wrong with you. They are a sign that your whole self is working hard to handle the loss. Be gentle with your body. It is grieving too.

The So-Called "Stages" of Grief

People talk about five stages of grief: denial, anger, bargaining, depression, and acceptance. These can be helpful words, but they are not steps you climb like a ladder. You do not pass one and never go back. Grief moves more like waves. One day might be calm, and the next might knock you over again.

  • Denial: Your mind cannot believe they are gone. It is too much, so you freeze.
  • Anger: Your way of saying, "This should not have happened."
  • Bargaining: You wish things had gone differently. "If only I had done this..."
  • Depression: The sadness settles deep. You feel hopeless or empty.
  • Acceptance: You are not okay with the loss. You are learning to live with it.

You might move through all these feelings. Or not. You might jump around between them. There is no wrong way to grieve. Your path is your own.

Small, Gentle Steps That Help

Grief cannot be "fixed," but there are things that can make it easier to carry:

  • Let yourself feel: Do not try to push your feelings away. If you need to cry, cry. If you feel numb, let yourself be numb. You are not doing it wrong.
  • Talk to someone: A trusted friend, a support group, a therapist. Talking is not about getting advice. It is about not feeling alone.
  • Take care of your body: Drink water. Eat a little something. Rest when you can. Take short walks.
  • Make a small daily ritual: Light a candle. Say their name. Look at a photo.
  • Do not rush their belongings: Wait until you are ready. Ask someone kind to help.
  • Mark hard days: Birthdays, holidays, anniversaries. Plan something soft.
  • Use their name: Speak it. Tell stories. Let others know it is okay to remember out loud.

Finding the Tiny Lights

At first, grief feels like darkness with no light at all. But with time, tiny lights appear. A laugh you did not expect. A moment of peace. A memory that makes you smile more than cry. These do not mean you are forgetting. They mean you are healing.

You may find comfort in:

  • Writing letters to them
  • Planting something in their memory
  • Creating a small memorial space in your home
  • Continuing a tradition you shared
  • Helping someone else in their honor

These are ways to carry love forward. They are signs that your relationship with them is not over. It is simply different now.

If You Feel Too Stuck

If you feel stuck in deep sadness for many months, if you cannot function, if life feels meaningless, you may be experiencing complicated grief. This is not your fault. It just means you need more support. Please talk to a counselor, doctor, or grief specialist.

If the death was sudden, violent, or due to suicide, the grief may feel even harder. You might need special care to deal with trauma. This does not make you weak. It means your heart is carrying something very heavy. You deserve help.

How Others Can Support You (and How to Ask)

Some people will not know what to say. That is okay. If you feel up to it, let them know what helps:

  • "I do not need advice. I just need someone to listen."
  • "You can say their name. I like talking about them."
  • "It helps when you check in. Even a small message means a lot."

Not everyone will respond well. But some will. And their kindness will be part of your healing.

If You Are Wondering About Joy

It is okay to laugh again. It is okay to smile. It does not mean you are moving on. It means you are moving forward. You are not leaving them behind. You are carrying their love with you into a new chapter.

You are not alone. This pain, this love, this story you shared, it matters. And even now, in your sorrow, there is hope.

Summary of Coping with the Death of a Loved One 

  • Grief is not a problem to solve. It is a wound to tend.
  • Every feeling is okay. Sadness, anger, numbness, fear, even relief.
  • Your body feels grief too. Be kind to it.
  • Let yourself feel, speak, rest, remember.
  • Make small rituals. Honor their memory.
  • Seek support. You do not have to carry this alone.
  • You are not forgetting. You are learning how to carry love differently.
  • Joy will return, and it does not mean you loved them any less.

2. What to Do After a Serious Illness Diagnosis

When You Receive a Serious Illness Diagnosis
(A moment that can feel like the ground disappears beneath your feet)

Getting news that you have a serious illness is one of those moments that splits life into a "before" and an "after." You might remember exactly where you were, what the doctor said, what the room smelled like. Or you might remember nothing at all, because the shock took over.

This kind of news can shake everything, your plans, your sense of safety, your future. It brings a flood of feelings that do not always make sense. That is okay. You are not expected to have it all together. You are allowed to fall apart for a while.

The Emotional Earthquake of a Diagnosis

When you are diagnosed with a serious illness, you may feel like a storm has broken loose inside you. Here are some feelings that often come and go:

  • Fear and Worry: You may be scared about what will happen, about pain, treatments, or your future. Thoughts about dying might come, even if your illness is not immediately life-threatening.
  • Anger: "Why me? This is not fair." You might feel angry at your body, your doctors, or the situation.
  • Sadness or Depression: Deep sorrow about losing your old life, or worry that things will never feel normal again.
  • Denial: You might think, "This cannot be real," or "Maybe the doctors are wrong."
  • Uncertainty: Not knowing what comes next can feel overwhelming.
  • Loneliness: Even when surrounded by others, you might feel deeply alone.
  • Loss of Control: Your body and your life might feel like they are no longer fully yours.
  • Guilt or Self-Blame: You may wonder if you caused this somehow. Please know that most serious illnesses are not your fault.
  • Confusion: So many thoughts and emotions can leave your mind spinning.

All of these feelings are valid. You are not weak or broken. You are reacting in a human way to something very difficult.

Grieving Your Health and the Life You Had Before

Being seriously ill often means saying goodbye to parts of your life you once took for granted:

  • Your energy
  • Your independence
  • Your usual routines
  • Future plans that now feel uncertain

This kind of grief is real. It might come in waves, and it might take time. Give yourself permission to mourn your old life. That is a brave and healthy part of facing your new one.

Worrying About the Future

A serious illness affects more than just your body. It touches everything. You might worry about:

  • Your family: Who will take care of them if you cannot?
  • Your job: Will you be able to keep working?
  • Money: How will you afford treatment or daily needs?
  • Daily life: Will you still be able to cook, drive, take care of your home, or do the things you love?

These worries are normal. They may feel heavy. Take them one step at a time. You do not have to figure everything out all at once.

Health Anxiety

After a diagnosis, you may notice every little ache or pain. You might worry that something else is wrong or that the illness is getting worse. This is called health anxiety, and it is common. Talking to your doctor or a counselor about these worries can help you feel calmer and more in control.

Who Am I Now?

A serious illness can shake your sense of self. If you were very active, if your work was a big part of your life, or if you saw yourself as strong and independent, you might now feel unsure about who you are.

This is normal. Finding a "new normal" takes time. You are still you, even if life looks different now. Your story is still being written.

Small Ways to Feel Stronger

You may not be able to change your diagnosis, but there are small things you can do to feel more steady:

  • Get Good Information:

    • Ask your doctor to explain things simply.
    • Write questions down before your appointments.
    • Learn from trusted health websites your doctor recommends.

  • Talk About Your Feelings:

    • Speak with friends, family, or a counselor.
    • Join a support group where others understand what you are going through.

  • Let People Help You:

    • Ask for help with chores, meals, or transportation.
    • Let others support you, it saves energy for healing.

  • Take Care of Your Body:

    • Eat healthy foods, rest, and move gently if your doctor says it is safe.
    • Try calming activities like music, nature walks, or breathing exercises.

  • Focus on What You Can Control:

    • Choose small things, watching a favorite movie, calling a friend, making a cup of tea.

  • Set Small Goals:

    • Shower, read a page, or make a phone call. Every small win matters.

  • Talk Openly with Your Care Team:

    • Tell your doctors about your side effects and ask questions.
    • You deserve to understand what is happening in your body.

Prepare for Physical Changes:

  • Ask if your treatment might cause changes like hair loss or fatigue.
  • Look into comfort aids, support groups, or products that help you feel better.

Finding New Paths: Life Can Still Have Good Things

Even now, life can hold joy, love, and meaning. Here are ways to begin finding them:

  • You Are Not Your Illness:

    • You are still yourself. The illness is just one part of your life.

  • Celebrate Small Joys:

    • A kind message, a sunny day, a moment of peace, all of these count.

  • Focus on Abilities:

    • What can you still do? Art, music, prayer, conversation, these things still belong to you.

  • Find Meaning in New Ways:

    • Journal your thoughts.
    • Spend time with people who matter to you.
    • If you feel ready, support others going through something similar.

  • Connect with Others:

    • Join a support group. It helps to talk to people who truly understand.

  • Let Yourself Grieve:

    • Feel the sadness. This is a natural part of moving forward.

  • Hold Onto Hope:

    • Hope is not just about a cure. Hope is finding ways to live well today. Hope is looking for light, even in small things.

Summary of What to Do After a Serious Illness Diagnosis

  • It is normal to feel fear, anger, grief, and confusion.
  • You are not alone. Talk to someone who understands.
  • Get good information and ask for help when you need it.
  • Take small steps to care for your body and mind.
  • Let yourself grieve what you have lost.
  • Focus on your strengths and what brings you comfort.
  • Build a new sense of purpose through love, connection, and small joys.
  • Your illness does not erase who you are. You are still you, and you still matter.
  • If the sadness gets too heavy, reach out for help. There is support for you.
  • Hope is still possible. And life, even now, can still hold meaning.

3. How to Heal from a Divorce or Breakup 

When You Go Through a Divorce or Major Breakup
(When the life you built with someone else suddenly falls apart)

A divorce or major breakup is one of the most painful emotional experiences a person can go through. It can feel like your heart is being pulled apart, like the home you knew is now just a memory. Whether you were together for a few years or most of your life, the end of a close relationship shakes your sense of safety, identity, and future.

You are not just losing a partner. You are losing shared dreams, routines, memories, even future holidays and plans. It can feel like you have to start over from scratch, but without the energy or confidence to know where to begin.

The Deep Pain of Separation

This kind of loss comes with many feelings. You may feel just one, or you may feel them all in waves:

  • Grief: This is a real and deep sense of loss. You are grieving not just the person, but the life you had with them.
  • Shock: Even if you saw it coming, the reality can still feel surreal.
  • Anger: At them. At yourself. At everything that changed.
  • Sadness: A heavy ache that can last all day or hit you in sudden waves.
  • Guilt: Wondering if you could have done something differently. Replaying what went wrong.
  • Loneliness: Missing the presence of someone who used to be part of your everyday life.
  • Relief: If the relationship was painful or stressful, part of you may feel lighter. This does not mean you did not care. It means you needed peace.

Whatever you feel is valid. There is no “right” way to grieve a breakup.

Why It Hurts So Much

Breakups are not just emotional. They affect every part of your life:

  • Your identity: You may wonder, “Who am I without them?”
  • Your routine: Everyday moments, meals, bedtime, weekends, now feel empty or unfamiliar.
  • Your home: You may have to move or adjust to a quieter house.
  • Your future: Plans you built together may now feel impossible.

Even if you were the one who chose to leave, there can still be grief. Let yourself feel the loss without judgment.

Cognitive Dissonance: When Your Heart and Head Disagree

During and after a breakup, you may experience a mental tug-of-war. Part of you may believe you made the right choice, while another part longs for the person or questions your decision. This inner clash is called cognitive dissonance.

You might feel:

  • Conflicted: “I know this relationship was not healthy, but I still miss them.”
  • Guilty: “I left for good reasons, but now I feel selfish.”
  • Confused: “Why do I feel so sad when I was the one who ended it?”

This mental discomfort is your brain trying to make sense of what feels like two truths clashing. You are not doing anything wrong. You are simply adjusting to a huge emotional change.

What helps:

  • Name the feeling: "This might be dissonance. My heart and head need time to catch up to each other."
  • Check in with your values: "Did I act in a way that honors what I believe is healthy or loving?"
  • Allow both sides to speak: Missing someone and knowing it is right to part can exist at the same time.
  • Be kind to yourself: You are human. This discomfort is part of your growth and healing.

If You Share Children

Divorce or breakup becomes even more complex when children are involved. You may feel:

  • Guilt about the impact on them
  • Fear about parenting alone
  • Anger or frustration toward your co-parent
  • Pressure to "stay strong" when you feel broken

What helps:

  • Reassure your children: Let them know they are not to blame and they are still deeply loved.
  • Stick to routines: Children feel safer with structure.
  • Get support: Parent groups, family counseling, or trusted friends can help you stay grounded.

Practical Disruptions

  • You may need to find new housing.
  • Your finances may suddenly change.
  • You might face legal issues.
  • Friendships may shift, especially mutual ones.

These changes can be exhausting. You may feel like you are rebuilding your life one brick at a time. That is okay. You are doing something hard. Go slowly.

Things That Can Help

  • Talk to someone:

    • A trusted friend, therapist, or support group.
    • Let someone hold space for your pain.

  • Create a new routine:

    • Wake up at the same time.
    • Take a daily walk.
    • Choose one thing each day to care for, yourself, your space, or your future.
  • Remove triggers when possible:

    • Pack away items that bring overwhelming sadness.
    • Unfollow or mute your ex on social media if needed.

  • Rebuild identity slowly:

    • Try something new, an art class, a book, a hobby.
    • Ask yourself, “What did I enjoy before this relationship?”

  • Write your way through it:

    • Journaling can help you process what happened and what you need next.

The Importance of Grieving

Let yourself cry. Let yourself feel angry. Let yourself miss them, even if you know the relationship was not right for you.

Grieving is not weakness. It is how your heart makes space for healing.

Rebuilding Self-Worth

A breakup can damage your confidence. You may think:

  • “I was not enough.”
  • “No one will love me again.”
  • “I failed.”

None of this is true. You were not too much. You were not too little. You were human, and relationships take two people to work.

Start reminding yourself:

  • I am lovable.
  • I am growing.
  • I deserve peace and respect.

Even if you do not believe these things now, saying them helps your mind learn new truths.

Looking Forward- Even If You Are Not Ready Yet

It may not feel like it, but joy will return. Slowly. Quietly. Then more brightly.

You will:

  • Laugh again
  • Sleep peacefully again
  • Feel desire and connection again
  • Make new memories that are yours alone

For now, just take it one step at a time. One meal. One shower. One call. That is how healing happens, not in giant leaps, but in quiet, stubborn steps.

Summary of Healing Process After a Breakup or Divorce

  • Grief is normal, and it shows how deeply you loved.
  • Let yourself feel every emotion, anger, guilt, sadness, relief.
  • Make space for rest, structure, and self-care.
  • Ask for support from friends, therapists, or support groups.
  • If you have kids, help them feel safe and loved.
  • Rebuild your identity one piece at a time.
  • Know that healing is not linear. It is messy, but it is real.
  • You are not broken. You are becoming.
  • Even now, you are worthy of love, peace, and joy.

You are still here. And your story is far from over.

4. What to Do When You Lose Your Job (Laid Off or Fired)

When You Lose Your Job (Layoff or Termination)
(When your work ends suddenly and your identity feels shaken)

Losing your job, whether through layoff, firing, or a company shutting down, can be one of the most disorienting and painful experiences. Work is not just a paycheck. For many people, it is part of how they see themselves, how they plan for the future, and how they connect to others. When that ends, it can feel like the ground disappears under your feet.

The Emotional Weight of Job Loss

Here are some of the common feelings you might have after losing your job:

  • Shock: Even if you saw it coming, the reality can hit hard.
  • Fear: "How will I pay my bills? What about my health insurance?"
  • Shame: Feeling like you failed or are not good enough, even when it was not your fault.
  • Anger: At your boss, your company, the system, or yourself.
  • Confusion: "What do I do now? What am I even good at?"
  • Relief: Especially if the job was toxic or draining. Feeling mixed emotions is okay.
  • Powerlessness or Betrayal: Especially if the job loss was unexpected or seemed unfair.
  • Sadness or Grief: Mourning your routine, coworkers, and a part of your identity.

These emotions are normal. They are your mind and body reacting to a sudden, major life change.

Why This Loss Hurts So Much

Losing a job often feels like more than just the loss of income. It affects:

  • Identity: You might think, "Who am I if I am not a teacher, manager, technician?"
  • Structure: Work gives your day rhythm. Without it, days can feel aimless.
  • Community: You may lose daily contact with coworkers or a work “family.”
  • Security: You may feel financially and emotionally unsafe.
  • Sense of Purpose: Your job may have made you feel useful, skilled, and needed.

It is a deep, layered loss. And it takes time to recover.

Cognitive Dissonance After Job Loss

You might experience a confusing inner tug-of-war. Maybe you believed, "Hard work pays off," but now you are unemployed. That clash between belief and reality can cause mental discomfort.

This is cognitive dissonance. You might find yourself thinking:

  • "I was doing everything right. Why did this happen?"
  • "I thought I was a valuable employee, but now I feel invisible."
  • "I told others to be confident and push through challenges, but I feel hopeless."

This mental discomfort is not a sign of weakness. It is your brain trying to make sense of a world that suddenly changed. Let it be a signal to reflect, not to blame yourself, but to gently explore your beliefs and make peace with the new reality.

Practical and Emotional First Steps

Here are a few steps that can help you begin to move forward:

  • Let your feelings out:

    • Cry, shout, talk, laugh, release emotions in a safe way. Bottling them up only adds pressure.

  • Talk to someone you trust:

    • A friend or family member can listen and help you feel less alone.

  • Ask key questions about your job loss:

    • Why did it happen?
    • What is in your final paycheck?
    • Are you owed vacation pay?
    • Can you get a letter of recommendation?
  • File for unemployment or assistance:

    • Apply as soon as you can. It takes time, and it is okay to ask for help.

  • Review your finances calmly:

    • Look at your bills and savings. Make a simple budget to reduce anxiety.

  • Create a small daily routine:

    • Wake up at a set time, get dressed, and move your body. Routine builds strength.

  • Take a short break if possible:

    • If you can, give yourself a day or two to just rest. Let the news settle before you take action.

  • Challenge harsh self-talk:

    • Job loss is not a personal failure. Remember your strengths and past successes.

Healing Your Confidence

Job loss can hit your self-esteem hard. You might feel rejected or unimportant. But please remember:

  • Companies make decisions for reasons that are not personal.
  • Your worth is not tied to a job title.
  • You still have skills, experience, and heart that matter.

Start telling yourself:

  • I am still capable.
  • I have gotten through hard things before.
  • I am more than my job.

Exploring New Paths

While painful, job loss can sometimes open a door. You might:

  • Discover a new skill or passion
  • Try a career change you had never dared before
  • Go back to school or take a class
  • Start a small side project or business

Ask yourself:

  • What kind of work do I want to do now?
  • What would make me feel useful or happy?
  • Is there something I have always been curious about?

Even small volunteer or part-time jobs can build confidence, teach new skills, and lead to something more permanent.

If You Feel Stuck or Hopeless

If the sadness, fear, or shame becomes too heavy to carry, please talk to someone. A counselor, coach, or support group can help you sort through what you are feeling and find your next step.

You are not alone. You are not a failure. You are in transition.

Summary of What to Do When You Lose Your Job 

  • Grieving job loss is normal and healthy.
  • Your identity is more than your job.
  • Mixed feelings, grief, relief, fear, are all valid.
  • Let people support you emotionally and practically.
  • Make a small routine and set simple goals.
  • Your value has not disappeared. It is still very real.
  • Cognitive dissonance may show up, give yourself space to work through it.
  • Take time to reflect, rest, and reimagine your path.
  • Job loss is a pause, not the end of your story.
  • You are not alone. You still matter.

You are still a whole person. Still worthy. Still becoming.

And this hard chapter is not the end of your story.

5. How to Handle a Major Financial Crisis

When You Face a Major Financial Crisis
(When money troubles take over your thoughts and shake your sense of safety)

A major financial crisis, like overwhelming debt, bankruptcy, losing your home, or being unable to meet your basic needs, can leave you feeling deeply afraid, ashamed, and stuck. It is not just about dollars and cents. It is about fear, survival, and the feeling that your whole life is falling apart.

Why Financial Crisis Hurts So Deeply

Money touches every part of life. When it is suddenly gone or not enough, it can feel like everything is at risk:

  • Safety: You may wonder, “How will I keep the lights on?” or “What if I lose my home?”
  • Control: You may feel like you have no choices left.
  • Self-worth: Money problems often bring shame, even when they are not your fault.
  • Relationships: Financial stress can lead to fights, isolation, or feelings of failure as a parent, partner, or provider.

These are real fears. And they deserve real care.

Common Feelings During a Financial Crisis

  • Fear and Panic: Your brain might be stuck in survival mode. Every decision feels urgent.
  • Stress and Anxiety: Your heart may race, sleep may be hard to find, and small things can feel overwhelming.
  • Shame or Embarrassment: You might feel like you caused this, even when it was beyond your control.
  • Guilt: Especially if you feel like you have let your family down.
  • Anger: At yourself, the system, past decisions, or people who seemed to have it easier.
  • Hopelessness: You may feel like there’s no way out.
  • Denial: It may be tempting to ignore the bills or pretend things are not that bad.
  • Overwhelm: Too many numbers, calls, and unpaid things can shut you down.

You are not weak for feeling this way. These reactions are normal when life feels financially unstable.

Your Body Feels It Too

Financial stress does not just affect your thoughts. It lives in your body:

  • Trouble sleeping or sleeping too much
  • Eating too little or too much
  • Headaches or stomach aches
  • Feeling tired or drained most of the time

Taking care of your body, even in small ways, helps you feel more able to face the day.

Cognitive Dissonance and Financial Crisis

If you were always taught to be responsible with money, or if you used to think, "I will never let this happen to me," your current situation might feel confusing and painful. That conflict between your old beliefs and your current reality is cognitive dissonance.

You may think:

  • "I did everything right. Why am I in this mess?"
  • "I used to help others with money. Now I need help."
  • "I said I would never borrow again, but I had no choice."

This internal tug-of-war can create stress, guilt, and confusion. But it is also a chance to step back, reframe your beliefs with compassion, and remember: surviving is not failing.

Immediate Steps to Regain a Sense of Control

When things feel overwhelming, focus on small steps:

  • Let your emotions come out:

    • Cry, talk, pray, journal, whatever helps you process the shock.

  • Talk to someone you trust:

    • Keeping it to yourself only makes the burden heavier. Speaking up helps lighten it.

  • Look honestly at your financial picture:

    • Write down what money is coming in.
    • Write down your essential bills and spending.
    • Track debts and due dates.
  • Make a simple plan or budget:

    • Start with basic needs: rent, food, medicine.
    • Use the "spaghetti number", the minimum you need to survive.
    • Cut unnecessary spending where possible.
  • Ask for help:

    • From a financial counselor, nonprofit, local charity, food bank, or friend.
    • Crisis lines like texting CONNECT to 741741 are also there for emotional support.
  • Look into community resources:

    • Churches, local aid organizations, and government programs can help with food, utilities, rent, or job support.

  • Set tiny, achievable goals:

    • Make one call. Skip one unneeded purchase. List your bills.

  • Focus on what you can control:

    • Your next choice. Your mindset. How you care for yourself today.

Rebuilding After the Storm

Your situation may not improve overnight. But with time, effort, and help, it can get better. Many people have been where you are, and found their way out.

Here are a few longer-term ideas to consider:

  • Look for support programs: Debt relief programs, housing assistance, local aid, or legal support may be available.
  • Learn as you go: Financial literacy tools (like free online budgeting classes) can feel empowering.
  • Rebuild credit slowly: Even small steps, like paying a single bill on time, help over time.
  • Earn differently: Temporary or gig work may be a bridge. You are allowed to try new paths.
  • Sell unused items or use existing skills: Babysitting, tutoring, lawn work, small earnings add up.
  • Talk to others who have been there: Support groups or online forums remind you that you are not alone.

If You Feel Ashamed or Alone

Shame often keeps people from seeking help. But please remember:

  • Financial trouble does not mean you are lazy, bad, or broken.
  • The economy, health emergencies, caregiving, or job loss can strike anyone.
  • Asking for help shows courage and strength.
  • You are not the only one. You are not the first. And you will not be the last.

A New Chapter is Still Possible

This is not the end of your story. Many people have started over from bankruptcy, foreclosure, or total burnout, and gone on to build beautiful, stable lives.

You may:

  • Discover that you are stronger than you thought
  • Find new values about what really matters
  • Build a simpler life that feels more aligned with your heart

Summary of How to Handle a Major Financial Crisis

  • Money troubles affect your safety, emotions, and identity.
  • Fear, shame, anger, and confusion are normal reactions.
  • Cognitive dissonance may make you question yourself. Be kind to your past.
  • Let yourself feel the grief and fear without judgment.
  • Make a short list of what you need right now. Focus on small steps.
  • Ask for help. It is not weakness. It is wise.
  • Learn, adapt, and give yourself permission to grow.
  • A financial crisis is a chapter, not your whole story.
  • Set tiny goals, take deep breaths, and celebrate small wins.
  • Practice gratitude for small things, even in hardship.

You are not alone. You are not ruined. You are not finished.

You are still worthy of peace, stability, and joy. And you are not the only one who will rebuild from this.