Anxiety spirals at 3am - anyone else dealing with this?

My kids are 4 and 7, and lately I've been waking up at 3am in full panic mode. Not even about anything specific - just a general sense of dread. I lie there for like 2 hours scrolling my phone making it worse. My wife suggested therapy but I'm worried about the cost and also... idk, I feel like I should be able to handle this myself. Does anyone else get these middle-of-the-night anxiety attacks?