Financial stress has become a reality for many individuals and families. Rising living costs, debt, unexpected expenses, and uncertainty about the future can create a constant sense of pressure that impacts daily life. While many people recognize the emotional toll financial stress can cause, fewer realize how closely it is connected to physical health as well.
Data from the American Psychiatric Association shows that financial concerns remain one of the leading sources of anxiety for Americans, with many adults reporting significant stress related to paying bills and the economy.1 Chronic financial stress can contribute to anxiety, fatigue, sleep problems and difficulty concentrating. Over time, prolonged stress may also increase the risk of serious health conditions, including heart disease and other cardiovascular problems.2
Research from the Mayo Clinic also found that there is a clear connection between financial hardship and physical health. In a study involving hundreds of thousands of patients, researchers found that financial strain and difficulty meeting basic needs were strongly associated with accelerated heart aging. The study also found that financial strain was linked to a 60% higher risk of premature death.3
Financial stress may also be more common than you think. According to a recent national poll from the National Endowment for Financial Education, 88% of U.S. adults reported experiencing some level of stress stemming from their finances going into 2026, while 77% said they experienced a financial setback in 2025. Additionally, roughly one in four Americans reported that they would not be able to cover an unexpected $2,000 expense confidently.4
While this data can seem alarming, all hope isn’t lost. Research shows that talking openly about money struggles may help reduce anxiety.5 Conversations about budgeting, saving, debt, or financial goals can help people feel more supported and empowered to act. Even small steps toward improving financial stress can make a world of difference.
Creating a financial plan can also help alleviate uncertainty and provide a clearer path forward. For MTA members looking for additional support, our partnership with Stacey Braun Associates provides access to financial planning resources and professional guidance from fiduciaries on topics like retirement planning/403(b)s, investments, taxes, estate planning, and more.
Financial wellness and physical wellness are more connected than many people realize. Taking steps to improve financial health can also support overall well-being and reduce the long-term effects of stress, resulting in a higher quality of life.
