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Why Does Money Stress Me Out?

Updated: Dec 16, 2023

Money is an essential aspect of our lives, influencing our choices, opportunities, and overall well-being. However, the relationship between money and stress is one that many of us grapple with. In this blog post, we will explore three fundamental questions: Why does money make us so stressed? Is it normal to stress over money? And finally, is it possible to cultivate a relaxed mindset when it comes to our finances? Let's delve into these topics and uncover strategies for finding balance and peace of mind.

Why does money make us so stressed?

Money holds immense power over our lives, and financial stress can stem from various factors. Firstly, the fear of not having enough money to meet our basic needs and cover essential expenses can lead to significant anxiety. We worry about paying bills, meeting deadlines, and maintaining our lifestyle, which can be mentally and emotionally draining.

Additionally, societal pressures and comparisons play a role in fueling financial stress. We live in a world where material possessions and financial achievements are often equated with success and happiness. The constant pressure to keep up with others and meet certain standards can exacerbate our worries about money.

Money is also something that touches every aspect of our lives. Want to go on a trip, visit family, get a nice meal, or do almost anything? Money is going to be involved. Whether it's the expense to get to your destination or the cost of the event itself. It's rare that something is completely cost-free. So that's why money can seem so present in our life and always stressful. Because it's always there. Which can be hard to deal with. So everyone will feel stressed about money at some point in their life and that's ok!

Is it normal to stress over money?

Absolutely! Money-related stress is a common experience that many individuals go through. In fact, studies have shown that financial stress ranks among the top stressors in people's lives. Given the vital role money plays in our society, it is only natural to feel concerned about our financial well-being.

Recognizing that financial stress is a normal part of life can help alleviate some of the burden. It is crucial to approach this stress with self-compassion and understand that it is a shared experience. Seeking support from friends, family, or financial advisors can provide valuable guidance and reassurance during challenging times.

Most people have cried about money, so if you have then understand that you're completely normal. There is a lot more to money than math so if you feel emotion when it comes to handling money or worrying about making the right decision, that's good! That means you understand that there's more than just math behind it There's a lot of emotion and behavior involved, because like I said earlier, money impacts every area of our lives. So why wouldn't it stress us out? But once we start to understand that it can stress us out, we can work on being relaxed with our money.

Is it possible to be relaxed when it comes to money?

While it may seem challenging, cultivating a relaxed mindset around money is indeed possible. Here are some strategies to help you achieve a sense of calm and peace of mind:

a. Create a budget and stick to it: Establishing a clear financial plan can bring structure and control to your finances. Knowing where your money is going and setting realistic goals will help alleviate anxiety and make you feel more empowered.

b. Practice mindful spending: Before making a purchase, pause and reflect on whether it aligns with your values and long-term goals. Mindful spending encourages intentional choices and minimizes impulsive purchases, ultimately reducing financial stress. The 24-hour rule may come in handy here.

c. Have specific savings: Here is my required mention of sinking funds. But, consider which charges happen regularly on an annual, or semi-annual frequency. Look at the total cost, then break that down over the time period you have to save for it. That will make it a lot easier to save for it and then your wallet won't take the big hit when it's time to spend because you have the money saved.

d. Build an emergency fund: Setting aside money for unexpected expenses provides a safety net and reduces worries about financial emergencies. Having an emergency fund allows you to face unforeseen circumstances with greater confidence and peace of mind.

e. Seek financial education: Enhancing your financial literacy can help demystify money matters and boost your confidence in managing your finances. Consider attending workshops, reading books or blogs, or even consulting with a financial professional to expand your knowledge.

f. Practice gratitude and perspective: Remember to appreciate what you already have and focus on the non-material aspects of life that bring you joy. Cultivating gratitude helps shift the emphasis from money to the abundance of experiences, relationships, and personal growth.


Money-related stress is a pervasive issue that affects many of us, but it doesn't have to control our lives. By understanding the sources of financial stress, acknowledging its normalcy, and adopting practical strategies, we can find a sense of balance and tranquility in our relationship with money. Remember, it's not about eliminating stress entirely but rather learning to manage and minimize its impact. By prioritizing financial well-being and adopting healthy financial habits, we can work towards a more relaxed and peaceful mindset, leading to a happier and more fulfilling life.


Money Talk with Skyler Fleming

Listen wherever you find your podcasts or on Spotify

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