Relaxed doesn’t mean hopelessly stringing along a bunch of equivocation nonsense fishing for sympathy. I understand that temporary financial pressures are stressful but that isn’t a concern of the hiring company. Attempts to make it a concern are distractions that end in failure. As unfair as this sounds it looks like weakness.
Instead, focus. Calm down. Think about writing software and building cool products. Redirect your energy into enthusiasm and try to have a conversation about adding value to your potential future employer.