越來越多美國人出現(xiàn)財務(wù)焦慮，或影響身心健康和智商
Alexa Mikhail
2025-04-10
在特朗普關(guān)稅政策出臺之前,，絕大多數(shù)美國人就已對自身的財務(wù)健康狀況憂心忡忡，而關(guān)稅幾乎注定會加劇這種財務(wù)壓力,。
經(jīng)濟學(xué)家預(yù)測,，食品雜貨等多項生活必需品將迎來漲價。摩根大通（JP Morgan）首席執(zhí)行官杰米·戴蒙稱當前市場正經(jīng)歷“劇烈動蕩”,，金融專家預(yù)計求職者將面臨更大不確定性,。
大量研究證明，經(jīng)濟困境會對身心健康造成雙重打擊,。美國心臟協(xié)會（American Heart Association）發(fā)現(xiàn)82%的美國成年人存在財務(wù)焦慮,。去年銀率網(wǎng)（Bankrate）的調(diào)查顯示，47%的美國人認為財務(wù)焦慮有損心理健康,，其他研究還揭示了財務(wù)壓力對工作效率與人際關(guān)系的負面影響,。財務(wù)健康管理平臺Wagestream的數(shù)據(jù)顯示，近半數(shù)美國人表示財務(wù)壓力對睡眠造成了負面影響,。
研究還發(fā)現(xiàn)了更多證據(jù),，證明財務(wù)焦慮對身體和大腦都有傷害。在《科學(xué)》雜志發(fā)表的一項研究發(fā)現(xiàn),，長期財務(wù)壓力可致智商下降13分,，其影響堪比徹夜失眠。
Wagestream影響與包容主管艾米麗·特蘭特就財務(wù)壓力的健康影響接受《金融時報》采訪時指出：“當人們?yōu)榻疱X煩惱，盤算如何管理收入時,，這種焦慮會消耗大腦處理能力,，而且研究表明消耗量是巨大的。在財務(wù)壓力下,，人們的決策能力,、工作效率、控制情緒和沖動的能力都會顯著下降……財務(wù)壓力的危害甚至超過徹夜失眠,。任何養(yǎng)育過嬰幼兒的人都知道失眠對次日狀態(tài)的影響,。所以，想象一下日復(fù)一日的財務(wù)壓力,，它將使人陷入難以掙脫的困境,。”
成年人每晚睡眠至少達到7小時有助于預(yù)防心血管疾病與癡呆癥,，更能確保思維敏捷,、安全警覺并做出明智決策。
除睡前減少屏幕使用,、調(diào)暗燈光,、降低室溫等睡眠衛(wèi)生習(xí)慣外，專家向《財富》雜志推薦以下緩解財務(wù)焦慮的方法：
? 咨詢財務(wù)治療師,，探討金錢觀念與消費模式,，學(xué)會管理情緒
? 通過運動或冥想轉(zhuǎn)換思維空間，增強應(yīng)對財務(wù)挑戰(zhàn)的信心
? 循序漸進地積累儲蓄（財富中文網(wǎng)）
譯者：劉進龍
審校：汪皓
在特朗普關(guān)稅政策出臺之前,，絕大多數(shù)美國人就已對自身的財務(wù)健康狀況憂心忡忡,，而關(guān)稅幾乎注定會加劇這種財務(wù)壓力。
經(jīng)濟學(xué)家預(yù)測,，食品雜貨等多項生活必需品將迎來漲價,。摩根大通（JP Morgan）首席執(zhí)行官杰米·戴蒙稱當前市場正經(jīng)歷“劇烈動蕩”，金融專家預(yù)計求職者將面臨更大不確定性,。
大量研究證明,，經(jīng)濟困境會對身心健康造成雙重打擊。美國心臟協(xié)會（American Heart Association）發(fā)現(xiàn)82%的美國成年人存在財務(wù)焦慮,。去年銀率網(wǎng)（Bankrate）的調(diào)查顯示,，47%的美國人認為財務(wù)焦慮有損心理健康，其他研究還揭示了財務(wù)壓力對工作效率與人際關(guān)系的負面影響,。財務(wù)健康管理平臺Wagestream的數(shù)據(jù)顯示,，近半數(shù)美國人表示財務(wù)壓力對睡眠造成了負面影響。
研究還發(fā)現(xiàn)了更多證據(jù),，證明財務(wù)焦慮對身體和大腦都有傷害,。在《科學(xué)》雜志發(fā)表的一項研究發(fā)現(xiàn)，長期財務(wù)壓力可致智商下降13分,，其影響堪比徹夜失眠,。
Wagestream影響與包容主管艾米麗·特蘭特就財務(wù)壓力的健康影響接受《金融時報》采訪時指出：“當人們?yōu)榻疱X煩惱，盤算如何管理收入時,，這種焦慮會消耗大腦處理能力,，而且研究表明消耗量是巨大的。在財務(wù)壓力下,，人們的決策能力,、工作效率、控制情緒和沖動的能力都會顯著下降……財務(wù)壓力的危害甚至超過徹夜失眠,。任何養(yǎng)育過嬰幼兒的人都知道失眠對次日狀態(tài)的影響,。所以，想象一下日復(fù)一日的財務(wù)壓力,，它將使人陷入難以掙脫的困境,。”
成年人每晚睡眠至少達到7小時有助于預(yù)防心血管疾病與癡呆癥,，更能確保思維敏捷,、安全警覺并做出明智決策。
除睡前減少屏幕使用,、調(diào)暗燈光,、降低室溫等睡眠衛(wèi)生習(xí)慣外，專家向《財富》雜志推薦以下緩解財務(wù)焦慮的方法：
? 咨詢財務(wù)治療師,，探討金錢觀念與消費模式,，學(xué)會管理情緒
? 通過運動或冥想轉(zhuǎn)換思維空間，增強應(yīng)對財務(wù)挑戰(zhàn)的信心
? 循序漸進地積累儲蓄（財富中文網(wǎng)）
譯者：劉進龍
審校：汪皓
The vast majority of Americans were already worried about their financial health—and that was before the announcement of Trump’s tariffs, which almost guarantee that money stress is going to get worse.
Economists predict rising prices on numerous essentials like groceries. JP Morgan CEO Jamie Dimon has called this a time of “considerable turbulence” in the marketplace, and finance experts predict job seekers will face even more uncertainty.
It’s well-documented that financial doom and gloom take a physical and emotional toll. The American Heart Association found that 82% of American adults are stressed about money. A Bankrate survey last year found 47% of Americans say money worries have a negative effect on their mental health, while other studies point to financial stress’s negative impact on work productivity and personal relationships. And nearly half of Americans say financial stress negatively impacts their sleep, according to Wagestream, a financial well-being management platform.
Research also finds even more evidence that money woes hurt your body and brain. A study, published in Science, found that over time, financial stress can lower your IQ by 13 points, which can have the same impact on the brain as losing a night’s sleep.
“When you are worrying about money and thinking about how to manage incoming payments, it can consume your processing power and research suggests it is not a little bit, it’s actually quite a lot,” Emily Trant, head of impact and inclusion at Wagestream, told the Financial Times in a past interview about the health consequences of financial stress. “When people are stressed about money they are less able to make good decisions and they are less able to be productive at work and less able to control their emotions and impulse … Financial stress is actually worse than losing an entire night’s sleep, and anyone who has young kids will know that can really impact your very next day. So, imagine having that on repeat for day in and day out. It can be incredibly difficult to come out of that.”
Getting at least seven hours of sleep a night for adults helps protect against cardiovascular disease and dementia, and ensures you’re alert, safe, and able to make informed decisions.
In addition to practicing good sleep hygiene habits before bed, such as limiting screen time and turning down the lights and temperature, experts told Fortune to use these tips to calm a worrying mind about finances:
? See a financial therapist to discuss money beliefs and spending patterns to help you navigate your emotions
? Exercise or meditate to get your mind in a different space that would make tackling financial challenges feel more doable
? Take baby steps toward creating a savings cushion
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