“Sometimes I was fantasizing: I had big thoughts that were pure fun and entertainment about a fast convertible, next summer’s vacation, or retirement on the beach. These gave me a quick high—sometimes followed by a bit of a low. At other times I was dwelling: I hyperfocused my future thoughts on the bad things that might happen, such as struggling to get a job, taking thirty years to pay off my student loans, or never being able to retire. These made me anxious.”