When you are under great stress, your mind often finds it difficult to calm down even when you are praying. Various problems can keep popping up in your head so that your concentration is easily broken. Conditions like this do not always mean a person is not serious about worship, because mental stress can indeed affect a person's ability to focus.
One step you can try is to give yourself a few minutes to calm down before starting to worship. Breathe slowly, reduce distractions from your cell phone, and don't rush. The goal is not to force your mind to immediately go blank, but to give yourself the opportunity to stop for a moment from your busy schedule.
Try to re-understand the meaning of the reading or prayer that is being done. When someone understands what is being said, worship can feel more personal and not just routine. Focus on one part of the reading first if your mind is still very full.
Don't be too hard on yourself when your concentration is suddenly disturbed again. When you notice your mind starting to wander, just redirect your attention slowly without continuing to beat yourself up. The process of building solemnity does require practice and is not always the same every day.
Apart from worship, problems that cause stress also need to be dealt with in a real way. Talking to people you trust, arranging rest time, solving problems one by one, and seeking professional help if the pressure feels too heavy can be part of efforts to maintain your condition. Worship can be a space to get closer and calm the heart, while life's problems still need to be faced with appropriate steps.