"What if's"

Are "What if's" always negative...or is it just me?
I'm really good at "What if's"...I can get on a roll with them and it drives Terence mad. This is understandable as my "What if's" are just problems I dream up,to go with the ones we already have. Terence says ...lets just concentrate on things that are actually happening.
I think its a stress related thing...so I'm coming up with all sorts at the moment!!!. The combination of a hand injury and moving house...Where's Dr Phil when I need him?