I second the idea of walking if you ' re able to . The distance isn ' t as far as you might think and I reckon it ' s quite pleasant . However , I appreciate you ' ve been through an awful lot , but you might find some sort of specific counselling will help . My other half had panic attacks on the tube . They saw a behavioural therapist who made the world of difference . It took a few sessions , but now they ' re fine on the tube . <| sep |> Park in a no parking zone , get a free ticket ! <| sep |> That is certainly a possible outcome , even though you have to admit relatively extreme and negative . The flip side is he doesn ' t learn about saving , never really saves anyway , and at retirement has to rely on social programs and hand outs to get by . Once he realizes those aren ' t enough on their own , he is another statistic of the elderly killing themselves off because the quality of life is terrible . Extreme , and negative .