In Atlanta, psychologist Erik Fisher said a lot of people who have money stress can't afford therapy. And other patients have had to cut back on their sessions to save money.
Zetzer said the recession also means patients are having trouble affording medications and finding gas money to drive to their appointments. As a result, she said she increasingly spends time helping tackle the logistics, like finding them more affordable medications and other mental health resources.
"It's really changed a lot of the ways I've practiced previously because of their economic conditions," she said.
To confront their worries, Moore said she and her husband are trying to appreciate simple pleasures and "things that don't cost any money" -- such as going to the park.
"It could be so much worse," Moore said, adding that the couple bought a house in Danville that fortunately was not beyond their means. "Thankfully we still have a house and we can still afford the mortgage."
Similarly, Zetzer said she spends time helping patients recognize the positives in their lives during these hard times.
"I'm working more to help them just deal with the present situation and help them get through a period of time that's difficult for them not only medically but emotionally," she said.
Another piece of advice? Don't be so hard on yourself, Brenner added. He said that although people tend to blame themselves for what's going wrong, they should understand that they're caught up in a larger situation that isn't really of their own making.
In the meantime, we need to strive not to let our worries paralyze us, said Fisher. One way to do that is to get busy, for instance, by writing down goals and options to be prepared when plans change, he said.
"We have to not feed off each other's fear," Fisher said.
ABC News' Lisa Stark contributed to this report.