Why Do You Still Stress About Money When You Have Enough

If you believe that you have enough money for the life you’re living, then it feels like you shouldn’t have to stress about it anymore – make sense right? But sometimes you get these anxiety attacks, some overthinking sessions, or just nagging thoughts at the back of your mind about something that makes you stressed and overwhelmed. What is it, that keeps you up at night, yet you can’t put your finger on it because everything seems to be fine? I hope that a couple of these things below will give you an idea.

Systematic risk vs Existential risk

The world right now is in an interesting state. It feels like it is not going to be able to recover, and more jobs are going to be let off. But here are the good news – the world’s economy is actually well on the way to being recovered. However, this doesn’t solve your stress problem. The world is actually still in risk of getting another wave of virus in winter and that could be an underlying feeling in everyone’s minds.

On one of the episodes of Talking Green Podcast, Allison Schrager and Mike Norton mentioned the effect that our financial decisions can have on us in relation to stress. Stress can cause us to make decisions without thinking well about it. If you’re like me, a creative soul who doesn’t want to be restricted by money and numbers too much, then you don’t really have a rigid plan for using the money you gain.

As much as it is easy to commit to such system, sometimes you have to make one financial decision after another, and it can be hard to make it because your system allows you to basically choose whatever option there is. And sometimes, there are way too many options. However, sitting down and planning out some of the financial decisions in your life can be very beneficial. Repetitive or default options in your financial plan help to prevent money anxiety.


Like any other irrational fear, money anxiety can also be a phobia for some people. Especially the traumatic past experiences can be a catalyst for someone developing this fear of money without even knowing it. For example, if you tried to get a loan several times but the bank rejected your application. Multiple and consecutive negative experiences with money can be especially traumatic. Read Fearof for more information on that.

“Some phobics are only afraid of the corrupting power of money; still others might fear financial failures or the responsibility money brings. Some cases of fear of money phobia might be related to fear of germs as a result of which the person might be afraid to touch money handled by someone else. “

Jacob Olesen, 2019

Present Can Be Good Or Bad Thing

Time flies very quickly, and inevitably we think about what the future is holding for us. Thinking about future can cause us to become anxious because we might think that at the rate we’re going right now, we might end up in even a worse state than this. Or that something can happen and we’ll loose the financial balance we achieved. So it this situation I would say that staying more in present is a good thing because it will give your overthinking gremlin a little timeout.

Ah, isn’t it nice to be always in here and now? Unless you’re over-focusing on the minor details that is. It is not seeing the bigger picture, or not really taking it into the account, that can create this nagging anxious feeling on the background of a very good day. And that is basically doubting your judgement, a feeling that some detail is missing. Any well-informed financial decision needs to be looked at from short-term and long-term perspectives, not just from one or the other. Then you can be sure that you’re making the right choice.

What exactly do you feel like when you worry about your money? Where do you feel it in your body?

Thank you for reading this post, I’ll be back to you with more money wisdom’s for artists tomorrow!

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