Financial Anxiety: Managing Money Stress Without Spiraling
By Maya Rodriguez, LPC • 6/13/2025
I got an email last week from a reader that stopped me in my tracks. They wrote: "I feel like nobody actually understands what this is like."
I want to try.
What to Try This Week
This is where things get interesting — and where most generic advice falls short.
The World Health Organization estimates that this affects approximately 1 in 4 people globally at some point in their lives. If you're reading this, the math says several of your close friends are dealing with something similar — they just haven't told you.
The Nuance Nobody Mentions
I want to be careful here because this gets oversimplified a lot.
Here's my "right now" emergency list — things you can do in the next 60 seconds:
- Splash cold water on your face. This triggers the mammalian dive reflex and immediately slows your heart rate.
- Hold something cold. An ice cube, a frozen water bottle. The sensation interrupts the anxiety circuit.
- Do the physiological sigh. Two quick inhales through your nose, then one long exhale through your mouth. Repeat three times.
- Push your feet hard into the floor. This activates your proprioceptive system and grounds you in your body.
- Hum or sing. The vibration stimulates your vagus nerve, which controls your parasympathetic (calming) nervous system.
Moving Forward
I want to be careful here because this gets oversimplified a lot.
The World Health Organization estimates that this affects approximately 1 in 4 people globally at some point in their lives. If you're reading this, the math says several of your close friends are dealing with something similar — they just haven't told you.
What I've Seen Work
This is the part most people skip, but it might be the most important section.
The research here is actually more encouraging than you might expect. A landmark study at UC Berkeley found that people who practiced these techniques for just 10 minutes daily showed measurable changes in their stress biomarkers within three weeks.
Look — I know an article on the internet isn't going to solve everything you're dealing with. But if something in here resonated, that matters. It means you're paying attention to yourself. And that's the first step toward feeling better.
If you're struggling, please don't go through it alone. A therapist, a doctor, a crisis line — these resources exist because this stuff is hard, and nobody should have to figure it out by themselves.