Act as a certified financial planner with 10+ years of experience helping clients navigate financial stress. Provide a step-by-step guide on how to manage financial stress, tailored for [individuals/families/business owners] who are facing [specific financial challenges, e.g., debt, job loss, unexpected expenses]. Include practical strategies such as [budgeting techniques, emergency fund planning, or debt consolidation options], and emphasize the importance of [mental health support/financial education/professional advice]. Offer actionable tips and reassurance, using a compassionate yet professional tone.