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Money and Stress

According to the American Psychological Association, “money has been the top cause of stress… since 2007” (Prahl). And according to the Dave Ramsey website “The number one issue couples fight about is also a topic many couples avoid discussing — money” (Cole). And truthfully, I’m certain you aren’t that surprised to hear these statistics.

money and stress

I really don’t think I have to substantiate why we are discussing the connections between debt and stress. But I would like to empower us with the real mental health effects of debt. And ways to overcome both the mental health aspect, as well as strategies for shedding those financial shackles.

So how can we get on top of these tough issues? How can we avoid the stress that we feel surrounding money, finances, and spending?

There is a big difference between not having much money verses having debt. One does not necessarily lead to stress. The latter most certainly does. Stress affects our relationships, our health, our marriages, our happiness, our quality of living. 

Part 1: Dealing With Stress

How can we deal with stress? Consider a dual approach: seeking professional counseling as well as healing from the inside out.


Lets set the stage for the “cause of emotion.” You have most likely heard of serotonin, the happy hormone; 90% of your serotonin, this well known brain transmitter, is released IN THE GUT. Therefore, we need to clean up our gut in order to clear the path to the brain. To feed our brain the elements it needs to be happier, calmer, more focused, less anxious, and more emotionally stable (Healthline) we must get to the root cause: an unhealthy gut.

Serotonin and the gut

If you find yourself depressed, stressed, anxious, distracted, or unhappy – a high quality probiotic can be MUCH more powerful than an antidepressant. Consider the side effects of the antidepressants and drug serotonin producers. “Because antidepressant medications called selective serotonin reuptake inhibitors (SSRIs) increase serotonin levels, it’s little wonder that meds meant to cause chemical changes in the mind often provoke GI issues as a side effect” (Hadhazy).

So consider the side effects of balancing the gut:

– better sleep
– weight loss
– gentler and consistent bowel movements
– increased energy, and brain focus 
– and clearer skin

…just to name a few.

Healing the gut has an IMMENSE impact on our stress, anxiety, and emotions. H-U-G-E-!!!!

depression and the gut

Still questioning whether you need to find a better mental state, before overcoming those debt issues and tough conversations? This is a great insight into the mental health effects of debt.

Work and finances are areas that are often so hard to manage, balance, and surrender. I hope you find inspiration and ways to find peace in these resources.

Part 2: Dealing With Money

We can stumble into the mess of our financial situation, but we can’t stumble out of it. When we’re intentional about our plan to manage our money wisely, we can start going after the life we desire.

Seeking wise counsel, from people who understand where you are, and are able to help you understand how you got to where you are, AND ALSO help you pave a path toward a future free of financial stress is the best tip I can share for how to deal with money.

Sweet friends and family members may have great advice, but do they truly understand your heartbeat? How are they handling money? Have they ever been in a similar financial situation as you? These are pretty important questions to ask yourself before simply following someone’s advice.

The Dave Ramsey organization fits all of these qualifiers. His organization equips participants with incredible tools, sound counseling, clear strategies, powerful conversation prompts, and actionable goals. And I have found his success rates to be unmatched when compared to other financial counseling programs.

Recently, LCBC Church had Dave Ramsey speak and I found it so wonderful to hear the importance of financial peace – not just to avoid stress and despair… but to have the ability to be generous.

When we are so strapped in our schedules, in our financial obligations, in our work – we cannot be generous. So including, but also beyond, finances, I encourage you to listen to this recent message.

Money Stress

In other words, I encourage you to “own your mess” – identify, analyze, and grow into who you really want to be. Checkout this ispirational follow up message from David Ashcraft, Pastor at LCBC.


Living today like tomorrow matters. This is an incredible message that brings it all home for me. I encourage you to lean in and hold on as Jason talks about how to prepare for the future, today.

Interested in learning more about the mental health benefits of simplifying? Read this great article…


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