---
title: Busey Bank | The Connection Between Finances & Wellness
description: Your financial well-being can affect your mental wellness. Learn more about the connection between the two in Busey Bank's Money Matters blog.
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# The Connection Between Finances & Wellness

Posted by [Mason Conklin](https://moneymatters.busey.com/author/mason-conklin) on Apr 7, 2026 10:00:01 AM

![Mason Conklin](https://moneymatters.busey.com/hubfs/MoneyMatters/Mason%20Conklin.jpg)

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Whether it’s mounting bills, overspending or worries about job security, your financial well-being can affect your mental wellness. Research shows that the two are deeply intertwined, with stress in one area often fueling difficulties in the other.

![A woman sits looking at a laptop.](https://moneymatters.busey.com/hs-fs/hubfs/MoneyMatters/2603_BAN_MM_April_Q2W22.jpg?width=1250&height=417&name=2603_BAN_MM_April_Q2W22.jpg)

Research has found that [4 in 10 Americans](https://finhealthnetwork.org/research/understanding-the-mental-financial-health-connection/) report high or moderate stress from their finances—and, for many, money issues are their top concern. This stress can affect mental health in several ways—from difficulty sleeping and physical health issues to straining relationships and mental health challenges. Understanding this connection can help you better manage the toll it can take on you and others.

**Small Steps, Big Impact**  
A common barrier to improving financial well‑being is feeling overwhelmed by various challenges, including unexpected bills, rising costs and debt. While many think an immediate overhaul is needed, progress can be made through consistent, manageable steps.

*Start With Awareness*  
Many people avoid looking at their finances because it triggers worry or shame. But financial clarity doesn’t have to be scary—awareness is the foundation for change. Consider implementing a few simple steps:

*Break Goals Into Bite‑Sized Actions*  
Big goals like “get out of debt” or “save more” often feel impossible. Instead, break them down into smaller, actionable items such as:

*Build a Simple, Flexible Spending Plan*  
Traditional budgets can feel rigid and stressful, especially when money already feels tight. Instead, try a flexible approach:

**Supporting Your Health**  
Neither your finances nor your mental health exist in a vacuum, and how you’re feeling can ultimately affect how you manage both.

*Reframe Setbacks*  
When financial stress spikes, it’s easy to slip into worst‑case thinking. Reframing challenges as temporary can help reduce emotional burden. Instead of saying, “I’ll never get ahead,” try a new approach with, “This is a setback, not the full story.”

*Ask for Help*  
While financial stress often makes people feel isolated or embarrassed, support is available in several forms:

*Use Stress‑Reduction Habits*  
While you can’t control every financial factor, you can strengthen your response to stress with small, grounding practices:

- Go for a short daily walk
- Practice five minutes of deep breathing
- Journal emotions around money and your current situation
- Prioritize sleep and nutrition

**Strengthening Financial Resilience**  
Bouncing back from emotional and financial stress can be challenging, but there are simple ways to rebuild and begin to move forward.

*Build a Safety Cushion*  
An [emergency fund](https://moneymatters.busey.com/busey-bank-building-an-emergency-fund) doesn’t have to start big. Even setting aside $5–$20 a week can build confidence and create a buffer against unexpected expenses.

*Improve Financial Literacy*  
People with strong financial literacy report less anxiety and better overall health. Busey’s commitment to bettering the communities we serve includes providing our Pillars—associates, customers, communities and shareholders—with wide-ranging access to financial education tools.

We’re pleased to offer our complimentary service, **Financial Pathways**, an educational platform which provides an engaging learning experience through a series of interactive modules designed to deliver actionable financial education. Centered around a robust content library, the personalized experience includes over 250 educational experiences and tools. To learn more, visit [**busey.com/FinancialPathways**](https://www.busey.com/personal/financial-pathways).

*Create Sustainable Habits*  
Good financial habits are less about restrictions and more about alignment. Consider implementing habits such as:

Financial and emotional wellness are deeply connected. When money feels uncertain, stress rises—and when stress is high, managing money becomes harder. But small, steady steps—awareness, support, simple routines and mindset shifts—can create a powerful ripple effect.

To learn more about Busey Wealth Management’s holistic financial services, visit [busey.com/wealthmanagement](https://www.busey.com/wealth-management).

 

*This is not intended to provide legal, tax or accounting advice. Any statement contained in this communication concerning U.S. tax matters is not intended or written to be used, and cannot be used, for the purpose of avoiding penalties imposed on the relevant taxpayer. Clients should obtain their own independent tax advice based on their particular circumstances.*

*This material is provided for educational purposes only and should not be construed as investment advice or an offer or solicitation to buy or sell securities.*

*This presentation is for general information purposes only. It does not take into account the particular investment objectives, restrictions, tax and financial situation or other needs of any specific client.*

*![2406_LOGO_NoNotMay_WM_Disclosure_K](https://moneymatters.busey.com/hs-fs/hubfs/Logos/Wealth%20Management%20Not%20May%20No%20Logos/2406_LOGO_NoNotMay_WM_Disclosure_K.png?width=511&height=59&name=2406_LOGO_NoNotMay_WM_Disclosure_K.png)*

 

 Topics: [Wealth](https://moneymatters.busey.com/tag/wealth)

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