Money Model

I’ve started to take the money training course in scholars. I can see I have a lot of guilt, scarcity, and not enoughness around money.
Here’s a model that came up today:

T-I could use more money.
A- Spend urgently, not give, not see what I do have
R- ??

I was wondering if I could have help here understanding my result I’m creating? Is is that I need more money? Then how do I move to a more neutral thought from this one? It was hard for me to point out a feeling because it feels so “true.” When I ask myself the question – Why could I use more money? My brain response is there is not enough to do all the things that I want to do and save. Maybe that’s the model? It almost feels like “Screw it, if I don’t have enough to do all the things I want.”