We terrorize ourselves with our fear thoughts. We exaggerate them and build on them to the point of actually believing they're likely to happen (which they usually aren't) and then we react with intense fear, panic, desperation, demoralization, etc. in anticipation of them happening. Best not to react to terrible things until they are actually happening. Prepare for the worst but don't live in perpetual daily dread of the future. Be here now. Find happiness today despite life's difficulties.