Financial Anxiety and Well‑Being: What the Numbers Tell Us
Financial uncertainty is taking a toll on Americans. Northwestern Mutual’s 2025 Planning & Progress Study reports that nearly seven in ten Americans (69 %) feel depressed or anxious because of financial worries. About 63 % experience sleep disturbances, 57 % say money troubles strain their relationships and 55 % have skipped social events. Nearly half (49 %) say financial anxiety affects their job performance and 40 % report physical illness.
These statistics underscore the need for a holistic approach to money. Working with a financial advisor can provide clarity and relief; in the same study, 76 % of people with an advisor described their finances as strong. Budgeting apps and high‑yield savings accounts help build cushions against emergencies. Perhaps most importantly, managing money is a mindset. Start with small wins—pay off a credit‑card balance or build a tiny emergency fund—and celebrate progress.
Entrepreneurs should also be mindful of how financial stress bleeds into decision‑making. When stress is high, it’s easy to take on unhealthy debt or make risky investments. Build routines that support mental health: regular exercise, adequate sleep and time with loved ones. If possible, seek professional support—therapy, coaching or both—to work through anxiety and establish healthy habits.