have to or having to

[ostap77]

"I have to work a lot."

OR

"I'm having to work a lot."

Do we emphasize things when we use the present progressive in such a context?

[Coolfootluke]

I am not a teacher.


The difference I hear is that the first is general, and the second, specific.

The way my situation is these days, I have to work a lot.

There must be an easier way to do this; I'm having to work a lot, here.