I think that time has passed and what we most need to anticipate now is inflationary turmoil where income no longer matches the goods we spend and prices increase over time. Apart from that, what adds to the burden on our minds is that if we invest, say in crypto, the wrong choice of coins that are not fundamental will have a big impact on psychology and financial governance in general.
Of course, friends and that more or less makes us depressed in the end because it will affect the cash flow of monthly expenditures, especially the funds are not special funds, I mean, what we use is only from one source of income, but if what we use is other sources, although it shifts a little, I think it doesn't have much effect.
I think one way out so that financial stress is minimized, we must strive for businesses that give us new opportunities in making money, of course.