I want to create a model for this thought that I found in my download: “it would be cool to have a better idea of my budget and my spending.”

C: I checked my account for the first time in a while yesterday and it was below zero. I then spent 2 hours looking at my spending history and understood that the gap comes from taxes that I hadn’t planned for.
T: It would be cool to have a better idea of my budget and my spending
F: fear (of discovering that I’m not rich enough to maintain my way of life) –> This is a new thought that leads to fear but somewhat seems linked to the one above. Can you help me sort out this model, please?