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Make Peace with Your Finances

Scare Yourself

This step sounds counterintuitive, but it works. Play out in your mind all the things that could go wrong. Then picture yourself dealing with them, being very specific. "Imagining a worst-case scenario can help us tap into resources and creativity we didn't know we had," says Jonathan Alpert, LPC, a psychotherapist in New York City. "People often underestimate their ability to deal with a crisis." Mentally going over how you'd cope is a kind of rehearsal that builds inner strength.