Depression leads to transgression. Sadness leads to pro-activity and Joy. This is the litmus test. If one is thinking about not davening thirty years ago, while working this is problem. This is from the evil inclination.
The time for repentance is not in the middle of the business day. The time for repentance is not in the middle of prayer. The time for repentance is not during in the middle of the day when we are working or studying Torah and praying. This is the act of the evil inclination.
We must tell ourselves this is not the time for true sin. In the middle of work is not a good time. A good time would be Yom Kippur.
Nothing is more complete than a broken heart.
The Tanya states: “It is man’s nature to seek pleasure and not to remain depressed. If his feeling of spiritual failure distresses him, he will seek his pleasure in physical gratification. The Evil Inclination therefore wishes that one be depressed, be it even over spiritual matters, so that he will later succumb to temptation.
Since a genuine sadness is an expression of love or fear of G‑d, it should express itself at a time when these emotions are active — during prayer, Torah study and the like, but not during one’s business. Clearly, then, the sadness is artificial, created by the Yetzer Hara for its own purposes, and one must therefore rid himself of it. The next paragraph provides the means:
Whether the depression settles upon him during his service of G‑d in Torah study or prayer, or when he is not engaged thus, but with his material affairs, this is what he should consider:
“Now is not the proper time for genuine sadness, nor even for worry over grave sins, G‑d forbid.” See Iggeret HaTeshuvah, chs. 7, 11.