Mental Health and Money

Mental Health & Money: Breaking the Cycle of Stress and Building Resilience

The Latest Insights: Financial Stress in 2025

Recent studies show how deeply financial stress affects mental health:

• - 83% of Americans report experiencing financial stress, with Millennials and Gen Z most affected.

• - 60% have avoided seeking mental health care due to cost.

• - One in three people lose sleep over money worries, with Gen Z reporting the highest rates of sleeplessness.

These findings underscore the urgent need for integrated solutions that address both financial and emotional well-being.

Financial Therapy: A Growing Field

Financial therapy is gaining traction as a holistic approach that blends psychology and financial planning. It helps individuals:

• - Understand emotional triggers behind spending habits

• - Rewrite limiting money narratives

• - Develop healthier financial behaviors

• - Improve communication around money in relationships

Therapists often explore childhood experiences, cultural influences, and systemic barriers that shape financial attitudes. This deeper understanding can lead to lasting change.

Practical Strategies to Improve Both Mental and Financial Health

Here are actionable steps supported by experts:

1. Track Your Financial Stress

Use journaling or apps to identify when and why money causes anxiety. Awareness is the first step toward change.

2. Create a Budget

Design a budget that helps you feel secure and in control of your finances.

3. Set Micro-Goals

Small wins like saving $10 a week or paying off one bill can build momentum and confidence.

4. Practice Self-Compassion

Financial mistakes are common. Replace shame with curiosity and kindness toward yourself.

5. Seek Professional Help

Financial therapists, credit counselors, and mental health professionals can offer tailored support. Many nonprofits and government programs offer free or low-cost services.

The link between mental health and money is undeniable and increasingly urgent. But with awareness, compassion, and the right tools, it’s possible to break the cycle of stress and build a life of stability and peace. Whether you're navigating debt, job loss, or emotional burnout, remember you are not alone, and your financial story can be rewritten.

Need some financial guidance? Meet with one of our Branch Managers today!

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