When you hear that you may need more than $1 million in savings to retire comfortably, or that you should have six months of living expenses as an emergency cash reserve, it's likely your financial anxieties may spike a bit -- especially if you have little savings, no retirement accounts and several thousand dollars in credit card debt. If your money worries are already at a high level, you are not alone. According to a 2012 report from the American Psychological Association (APA), 75 percent of Americans report money as a significant source of stress. "Don't get overwhelmed and do nothing but worry," says certified public accountant and former IRS tax attorney, Sandy Botkin, author of "Achieve Financial Freedom -- Big Time!" Instead, Botkin says to simply get started. "Take financial action today," he says. "Sometimes, all it takes is a few minutes." Below are five of his suggestions on how you can reduce money worries, starting today.