I want to model 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 spent then 2 hours looking at my spending history and understood that the gap comes from taxes that I hadn’t planned.
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, it seems linked to the one above.

Can you help me sort out this model please ?