Unified personal policy: I don't lend from salary, I gift up to a known cap — avoid awkwardness.

When your emotion doesn't serve the situation, do the opposite of what it pushes you to.

Rank your fears from least to most anxiety-provoking, then face one each week.

In depression, exit "wait until I feel better" to "do then feel".

Phone in closed drawer during deep work — not on desk.

Build a 5-7 step ladder of social situations ordered from least to most anxiety, climb one rung per week.