In a recent Carl Richards (Behavior Gap) e-newsletter he compared thought processes of scientists and engineers.  You can read the details at his website here.

The takeaway for me that is helpful to share is this:

You can hide your money under the mattress waiting for the stars to align or

You can engage in the financial planning process, with the goal of gaining more information over time and refining your decisions.

The fact is financial planning is not an exact science.   

It's also not an emergency.

It's not a self-help program - without trustworthy experts involved one may be worse off than doing nothing.  

When you first get started, there will be a flurry of activity as you take care of some ignored high priority issues, but after that, it's "steady". Keep making gradual progress.

As I like to tell our firm's clients - "Don't panic; Rome wasn't built in a day."   Commit to 1) getting started and 2) making steady progress over time.

Our clients will tell you - the positive results come faster than you imagine!