Step 1: Analyze the Phrase
The phrase "We have ... of financial problems" refers to a large quantity or number of financial problems.
"Lots" is the correct word as it refers to a large number of something.
Step 2: Eliminate Incorrect Options
- "None" would be incorrect because it would suggest no financial problems, which contradicts the context.
- "Much" would also be incorrect as it is usually used for uncountable nouns.
- "Several" would not convey the sense of a large amount as clearly as "lots".
Step 3: Final Answer
Thus, the correct choice is "lots."