As our nation continues to melt down financially as a result of foreclosures and rising food, gas and healthcare costs, millions of people are facing overwhelming emotions.

According to the American Psychological Association, high stress levels associated with money problems have led to increased anxiety, depression and even suicide. A recent Gallup poll found that economic anxiety is tied for first (with healthcare) as the issue Americans are most concerned about, and therapists I know say they are counseling more people about feelings related to finances.

When things start to go wrong, many people find themselves dwelling on the worst possible outcome. That's not an abnormal reaction, but you can take steps to regain your balance.

First, instead of thinking only about the worst that could happen, consider the best scenario. This will help you see that your financial future might have some bright spots. It's just an exercise, but play fair and let your mind find reasonable positive outcomes to help release your anxiety.

The next step is to examine what's most likely to happen. You might need to change your spending habits, work more or rent a room to bring in extra money, or take steps on a different level.

Financial insecurity and its fallout can permeate our lives. You might be frightened or angry about your situation, and your emotional state leaks into all your actions. You just aren't your best self (like when you have a headache), and most people will notice.

If the economy is making your relationships uncomfortable, or if you can't stop worrying, you might need to take deeper action.

Hundreds of books are available, as well as financial and mental-health professionals, to answer questions and address concerns, and knowledge is power. Sticking your head in the sand won't let you see a solution, and there always is one if you look hard enough.

A wise man once said, "If all your problems can be solved with money, then you haven't got any real problems."

Most of us could probably find exceptions to this rule, but it makes a good point. Money can't buy you health, love or even happiness. It can buy you comfort — and that counts — but isn't a replacement for physical well-being or people who truly care for you.

So take stock of your emotional savings account and how fortunate you are to have love in your life. Now that's hedging your bets.

— Dr. Barton Goldsmith, a marriage and family therapist, can be reached at 818-879-9996 or via e-mail at Barton@BartonGoldsmith.com. Hear him live on KCLU Radio, 88.3 FM, from 1 to 2 p.m. Mondays.