Are my dreams (and/or the feelings I awaken with) more indicative of real problems in my life, or things I worry about that might not be valid?

The dreams I have, whether I remember them or not, are seldom as relevant as the way I feel in them. Usually my dreams involve schemes I’m involved in that I see no way they will work out, and no way out of therm. The “storylines” of the dreams, if there is any, are pleasant enough, but the feelings are just bad, worrysome.

I awaken with feelings that I have made terrible financial and life decisions that cannot work out and will fall to pieces. There IS some truth to this. I have overstretched myself financially and may have shortfalls by the end of the month, and feel that maybe my life ISN’T going in the right direction.

After getting fully awake, and interspersed throughout the day, consciousness affirms that I have made the best decisions I could under the circumstances, and alternatives would have been worse, if there even were any alternatives. I get more focused on solutions, and the knowledge that things usually work out. But actions needed are full of conflict, strife, and may be beyond my capabilities.

I often encounter reality in the day that rekindles the bad feelings in my dreams and the way I feel in the morning upon awakening,

So, my question is, do dreams and subconscious feelings indicate real problems, or subconscious worries and doubt?