CHANGE WAY TO SAY ( the 100th posted)

One problem   I have is  to decide what to say.

One problem   I have is   how to decide what to say.

One problem   I have is  I wonder how to decide what to wear.

One problem   I have is  I wonder what to wear.

                            We can change them into:

My problem               is   how to decide what to say.

My problem               is   that I wonder what to say.

My problem               is   that I can’t decide what to wear.

My problem   is         that  it takes me a long time to decide what to wear.