Generate a full, in-depth guide on the psychology of debt. The guide's tone must be compassionate and insightful. It should include detailed sections on: 1. Understanding the common emotions tied to debt (shame, guilt, anxiety). 2. How to separate your self-worth from your net worth. 3. A guided exercise for reframing your mindset from one of fear to one of empowerment. 4. The importance of self-forgiveness in the debt payoff process. Please include a disclaimer encouraging professional therapy for severe financial anxiety.