What's happening to you is a reflex of your nervous system - basically, your brain is in that state between wakefulness and deep sleep where your muscles relax but your mind is still partially active. Those falling dreams, called hypnagogic dreams, are super common when you're stressed or sleeping poorly because your body interprets that muscle relaxation as a loss of balance and triggers that panic sensation. Your heart races because at that moment your autonomic nervous system is confused, activating an alert response. If it happens to you a lot when you're dealing with work stress, the best thing is to try to wind down before bed: less coffee, some exercise during the day (which helps with sleep quality), and try to sleep on a regular schedule.