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analyzing annual anxiety apartment banking bankrupt billing bills broke budget bureaucracy calculate calculator checking concentration confusion contract cost credit crisis deadline debts depressed depression desperate dissatisfaction documents electricity emotional exhaustion expense failure finance financial frustrated frustration gas heating home hopeless indoor insurance investment invoice kitchen loan loneliness loss male man money night paperwork pay payment pensive person planning poor problem raising reading report responsibility sad sadness savings smartphone struggle table tariffs taxation thoughtful tired unhappy unpaid upset using worried worry 4k