You can be broke and still be rich in the stuff people bring up at your birthday.

Money trouble is real and exhausting, and being short limits actual options in ways that no amount of perspective repairs. What it does not touch is the part of your life people mention when they talk about you: how you turn up, what you are like to be around, who you have looked after. Those two ledgers run separately, and being low on one says nothing about the other.

When the worry takes over, spend an hour with somebody who would speak at that birthday. It does not fix the finances, and it keeps the accounting honest.