Remember what Bond has told you about doing what "you" want. If you don't want to go to the bank, then don't. Just b/c W says it, doesn't make it law.
Glad that you see results of acting confident. As for needing time to plan things, choose a "Luke's Time" daily in order to plan ahead. Whenever your head is clear and you can think better.
Have you expressed your affection for your son in some casual way, since he's been home? Maybe a bear hug and say, "I'm so glad to have you home son!"
It is not about what you feel should work in your M. It is about doing the work that gets the right results. Do what works!
