Ty for the Love <3

Since your question includes 2 separate parts I decided to pull an extra card for you.
What you need to focus most on right now:

The card of communication. There are those in your life that you need to talk to. Being honest and upfront is always the best option and the same goes for others in your life. Holding onto stuff just builds up energy and makes things more stressful, get those things you need to talk about off of your chest be it financial, spiritual, or any matter.

The best Course of Action:

The 10 of Swords represents your fears. Pretty much: dont let them get the best of you. The fear you experience is just the Ego butting in with the worst possible outcome. This is never the true outcome and simply trying to get you to give into your fear and lose focus. Know in your heart that no matter how hard it might seem to talk about whats on your mind that its for the best and that only Good can come out of it! Reach out to your guides and Higher Self and they will want nothing but to help you be the best Light you can be!

Blessed Be! Thank you for coming to this post for a reading!