Is Nine of Swords a yes or a no?

The answer

No, not the version you are afraid of — what you are picturing at 3 a.m. is worse than what tomorrow will actually show you.

What argues for it

The fear here is out of proportion to the facts, and you already suspect that.

Reversed

It frightens you more in the small hours than it does in daylight.

When it moves

This peaks at night and eases by morning. Give it until daylight before you trust any conclusion it hands you.

What to do about it

Wait for morning before you decide anything the night has told you. What feels certain at 3 a.m. rarely survives contact with 9 a.m.

Reversed

Notice that the fear has already started to lift, and let it keep lifting instead of hunting for a reason to hold onto it.