Recognizing a downward spiral
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Our brains were not wired for chronic stress. Every time we are in a stressful situation, we activate what is known as the "fight or flight mode" - our body's response to imminent danger. Now, imagine activating this stress response for something like a credit payment or your fears of starting out on your own, rather than a life-threatening event. Do you see what you're doing? Putting your body through a constant state of worry. What good can come out of that?