Why No One Talks About Money Stress | Stash Learn
No One Talks About Money, Everyone Stresses About It
By: Team Stash
Published: May 08, 2019
• Updated: Jun 09, 2026
Stash’s latest consumer survey shows that money stress is real.
In this article:
- Don’t want to talk about it
- Women and financial stress
- Money stress by age group
- Talking about money is important
Whether it’s paying off credit card bills, the mounting costs of medical care, or keeping up with mortgage payments and rent, people get stressed out over money.
But just how stressed—and why—may surprise you.
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It turns out that 62% of U.S. consumers say that money is a major source of stress, with 31% saying they lose sleep and feel stress over finances all the time, according to a new survey by Stash. The poll of 1,411 people, age 18 and older, in April 2019 also found that people are embarrassed to talk about money, and that silence could prevent them from understanding their financial situations, according to other reports.
Here’s what we found.
Don’t want to talk about it
People say that just talking about money is a big stressor, and it’s not because people think money talk is taboo, as older generations might think:
- More than a third of survey respondents say they don’t want to talk about money because they’re embarrassed, and think they are worse off than their peers.
- Another 33% say it’s because it upsets them too much.
- Nearly a quarter of those surveyed say they’re ashamed of their financial habits.
- Only 13% say it’s because they find the topic taboo or impolite.
Money stress is real, the survey found. Nearly a third of people say they’ve missed a monthly payment in the last year, such as rent or a cable bill. And for people who have missed a payment, more than half say they missed not just one payment, but two to three payments in the last 12 months.
What’s more, stress about money holds back nearly two thirds of U.S. consumers from doing basic things, like going out with friends and family, going on vacation, and dining out, the survey found.
Women and financial stress
Women are more likely to talk about money stresses than men, by a margin of 10 percentage points. Similarly, they are also more likely to say they have forgone a home repair, wedding, birthday or vacation because of money stress, by a margin between 5 and 12 percentage points.
Money stress by age group
- Generation Z (between 18 and 24 years old) and Millennials (between 25 and 38 years old) are nearly 15 percentage points more likely to say money holds them back from doing things with family and friends.
- Generation X (between 39 and 53 years old) are 10 percentage points more likely to say they are in debt than other age groups.
- If they were free of debt, 20% of Gen Zers and 23% of Gen Xers would increase contributions to their emergency funds, more than a quarter of Millennials would go on a vacation, and 25% of Baby Boomers (between 55 and 75 years old) would increase their retirement savings contributions.
Talking about money is important
Remember, having an open discussion about money and money stress can help you not just to alleviate money anxiety, it can also potentially help you get a well-deserved raise, or prevent you from spending money you don’t have.
Being honest about money can also help you come up with a financial plan that could include saving more money, investing, and building wealth.