Is it a problem or a challenge?
The words we choose to describe our circumstances may have enormous consequences for us. Words prime emotions and behavior. Words that seem basically the same may lead to very different responses. Seeing cancer as in remission versus being cured, for example, has health consequences for us. In a very different domain, describing a difficult situation as a problem instead of a challenge also may be significant. Problems often sap us of energy and lead to fear, and fear distracts us from problem-solving. Challenges, on the other hand, are often invigorating and motivating. They lead us to try and find solutions, and keep our attention on the issue rather than to making negative evaluations of ourselves or others.
It seems to me that when we talk to ourselves we would benefit from choosing our words wisely.