In Jain Dharma, financial difficulty is seen as a worldly condition—not a measure of your worth. If you are struggling, the main aim is to respond with equanimity, restraint, and right effort.

What to do:

1. Accept the situation with calmness

- Do not fall into fear, anger, shame, or despair. - Jain teaching encourages samatva: steady, balanced acceptance.

1. Reduce unnecessary needs

- Practice aparigraha: limited attachment and limited possessions. - Spend only on what is truly necessary. - Avoid luxury, pride, and comparison with others.

1. Work honestly

- Earn through right livelihood and truthful means. - Do not choose dishonesty, exploitation, or harm to living beings for money.

1. Control desire

- Many financial troubles become worse because of desire and habits. - Jainism teaches that reducing greed brings peace, even before money improves.

1. Do simple austerity

- Live simply, eat with discipline, and avoid waste. - This is not punishment; it is purification of mind and conduct.

1. Stay charitable within your capacity

- Even in difficulty, give with a pure heart if you can. - Charity in Jain spirit should be done without pride and without harming your own basic duties.

1. Study and reflect on karma

- Financial hardship can be understood as the unfolding of karma. - The proper Jain response is not complaint, but right conduct, patience, and inner purification.

1. Keep devotion and remembrance

- Recite prayers, do meditation, and remain connected to the Tirthankars’ ideals. - This gives strength and reduces mental burden.

1. Seek practical help without attachment

- Jainism does not forbid asking for help. - If needed, seek support in a truthful and dignified way, while remaining free from greed and ego.

In short: Do not let financial trouble create inner violence. Live simply, act honestly, reduce attachment, and maintain equanimity. In Jain Dharma, true strength is not only in wealth, but in self-control, patience, and purity of mind.

If you want, I can also give this answer in a more practical Jain daily-life format.