financial planningThe goal of good health should be at the core of decisions you make about money.

As any wise person will tell you—and many have, from the Roman poet Virgil to Gandhi—health is wealth. The irony is that the converse is also true—a growing body of research suggests that financial problems actually can lead to health problems.

Financial stress has been shown to cause anxiety, migraines, sleep disorders and other physical ailments, including high blood pressure and heart disease.1 And it’s not a rare occurrence. A 2015 survey by the American Psychological Association (APA) showed that 72% of Americans reported feeling stressed about money at least some of the time during the past month.2 Stress levels are particularly high among parents, younger generations and those living in lower-income households.

Over the past decade, psychologists coined the term Money Anxiety Disorder (MAD) to describe a condition of constant worry and unease about money. The emotions that arise from worrying about money can lead to health issues that affect job performance, relationships, and feelings about work-life security.

What triggers financial stress?

Not all people react the same to financial roadblocks, but there are several major causes of money-related stress:

  • Fearing the possible loss of a job
  • Comparing financial situation to others’ —being anxious of “having enough”
  • The effects of piling debts

How to face health-related money anxiety
Many Americans resort to eating unhealthy foods, or eating and drinking to excess, as coping mechanisms for financial stress. Health experts warn this can lead to long-term health issues, and instead they recommend deep breathing exercises, which have a proven calming effect on the central nervous system. Regular exercise and sticking to a healthy diet can also be very helpful.

De-stressing about money
Financial experts often suggest taking a direct approach to analyzing your relationship with money so that you can manage financial stress. Some recommend taking one or more of the following steps that can help lead to financial wellness.

  1. Understand the role of good health in your life –Money is never a substitute.
  2. Prioritize your savings and control your spending – Warren Buffett said it best: “Do not save what is left after spending, but spend what is left after saving.”
  3. Budget – You cannot manage your finances without a plan.
  4. Plan for life events – Experts suggest setting aside specific “buckets” for near-term emergencies, education and long-term retirement.
  5. Locate a trusted source for advice – This could be a colleague at work, an investment professional or a close relative who is sensible about money.
  6. Participate – Get the most out of the benefit programs you’re offered at work.
  7. Choose carefully – Select “sleep well” investments that don’t cause anxiety.

By following these guidelines, you’ll be able to put financial wellness in the right perspective. Ultimately, the goal should be to know how to deal honestly with your feelings about money in ways that don’t compromise your health.

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1 “Debt Stress: The Toll Owing Money Takes on the Body,” AP-AOL Health Poll, April 2008.

2 “Stress in America(tm): Paying With Our Health,” American Psychological Association survey, February 2015.


Disclosure: This material was created for educational and informational purposes only and is not intended as ERISA, tax, legal or investment advice. LPL Financial and its advisors are providing educational services only and are not able to provide participants with investment advice specific to their particular needs. If you are seeking investment advice specific to your needs, such advice services must be obtained on your own separate from this educational material.

Kmotion, Inc., 412 Beavercreek Road, Suite 611, Oregon City, OR 97045;

© 2016 Kmotion, Inc. This newsletter is a publication of Kmotion, Inc., whose role is solely that of publisher. The articles and opinions in this newsletter are those of Kmotion. The articles and opinions are for general information only and are not intended to provide specific advice or recommendations for any individual. Nothing in this publication shall be construed as providing investment counseling or directing employees to participate in any investment program in any way. Please consult your financial advisor or other appropriate professional for further assistance with regard to your individual situation.

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