I think sometimes the reason we worry is that we have too many 'should's' in our heads, and we are trying to accommodate them all, and keep them all happy.
One recent example. I have no money. I already have debts. I shouldn't have debts. I have a car. The car needs a service. I can't afford to get it serviced, but I also can't afford to run a car that is not serviced. I can't afford to run a car. But I also cannot manage without a car. Also the warranty runs out in a month, and I must make sure nothing is going to go wrong in the near future. I should book it into a garage. I can't, because that means making a phone call, and I am not good at doing that. And anyway, I need to find paperwork first, and then the phone number. It is all too hard. And it goes round and round in circles.
In the end I broke this into bits. I thought, I can manage the paperwork and finding the garage phone number bit, even if nothing else. So I did that one day. Sorted out all my papers, and found the bits I needed.
Then the next day I phoned up (probably the hardest bit) and booked it in.
Then the next day I took it in, got the service, paid for it, and decided that the world was not going to come to an end just because my credit card has (rather a lot of) money owing on it. (You shouldn't be in debt; you should be able to pay it off every month. Ha ha, who says!!)
From the other side, perhaps there was unnecessary worrying, but in another sense, had I not been worried I would not have done this; it took a lot of internal nagging to achieve it, and it was needed, if only for a further 12 months' relative peace of mind.
Our Lord said that no man can add a single inch to his height by worrying, so therefore why bother. Well, that is true enough. Some worry is not productive. But a lot of it is, imo. He was pretty worried himself in the Garden of Gethsemane, and by thinking through the situation he managed to reach conclusions about appropriate behaviour, and achieve greater resolve and strength. So some worry is good.