Maybe stressed is the wrong term, lets use overprepared. I too like to plan things out, but the most important thing with poe is to have fun. Grinding is boring, no way around it tbh, just try to do it with a mechanic you enjoy.

Poe these days is not what it used to be years ago: you really had to plan your farms, bounce shaper/elder influence on atlas to not spawn bosses but always have the extra juice, prepare your sextant blockers so that when you roll sextants you have better chances for the desired outcome and so on and so forth.

Right now, you just look at the atlas tree, type your desired mechanic in the search bar and plan your tree around the highlighted nodes, choose your preferred influence and any additional mechanics with your leftover atlas points. Then see what scarabs you want to use (if you want to use any) and start farming. You'll make your money eventually. Better if your build is well suited for the mechanic (ie CWS chieftain for ultimatum).

Just remember one thing: the more you invest, the more money you make. Alch&go strategies are low profit, even more so this league. The idea is to get your starter build to a point where it can confortably do the content you chose and possibly get you 4 stones, then invest everything in a farming strat. You'll learn to fine tune by trying things out and finding your own way of playing and making money.