This summer, young Americans are gearing up to socialize more. But those outings and trips will come at a cost, and many Gen Zers aren’t feeling so hot about their finances. A recent Cash App survey found 65% of Gen Zers are ready to increase their spending for experiences this summer, but an equal-sized share say that planning those costly activities makes them anxious. It may be nice to get rid of that anxiety altogether, but “trying to eliminate all financial stress or anxiety isn’t realistic,” says Lindsay Bryan-Podvin, a financial therapist and founder of Mind Money Balance. For starters, some financial stress can be healthy. In the short-term, it can help you realize what’s most important to you and help you develop a broader financial plan that reflects your values, Bryan-Podvin says. Stress can also be motivating and help encourage you to stay on track. But if you’re trying to make a big financial decision like whether to take a trip with your friends or buy a new car, it’s wise to make sure you’re in the right headspace to do so. And that doesn’t mean trying to eliminate the stress. “A healthier and more doable approach is to dial down the intensity of stress to a level where you still feel capable of making wise financial choices,” Bryan-Podvin says.

‘Emotionally good enough’

When you have to make a big financial decision, take the time to think through it and get your emotions in check. When you do that, Bryan-Podvin says it’s a good idea to think about your money stress on a scale of one to 10, with 10 being the highest. “If you’re about to make a large unplanned purchase, like saying yes to a spontaneous weekend trip with friends, and your stress level is at an eight, pause before you reply,” she says. From there, go for a walk, journal or whatever else helps you calm down. When your stress level is closer to a four or five, you can make a better decision, Bryan-Podvin says. “It’s not about waiting until your stress is at zero or avoiding extra spending altogether,” she says. “It’s about feeling emotionally good enough to make a wise financial decision.”

Find the source of your stress

Financial stress can help you figure out what your priorities are. If you’re worried about not having enough saved for emergencies, for example, “that can clue us in that we value the peace of mind an emergency fund could provide,” Bryan-Podvin says. But it’s also possible you’re stressing for the wrong reasons, especially if you’re doing well financially. If you’re aiming for perfection or trying to meet an arbitrary standard of someone who’s “made it,” it’s a good time to check in with yourself. “If your stress is at an eight because you feel like you need to invest more, ask yourself, ‘According to who?'” Bryan-Podvin says. “That extra check-in can help you get back in touch with yourself instead of trying to keep up with someone else’s financial rules.”

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