越來(lái)越多美國(guó)人出現(xiàn)財(cái)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(tái)之前，絕大多數(shù)美國(guó)人就已對(duì)自身的財(cái)務(wù)健康狀況憂心忡忡，而關(guān)稅幾乎注定會(huì)加劇這種財(cái)務(wù)壓力。
經(jīng)濟(jì)學(xué)家預(yù)測(cè)，食品雜貨等多項(xiàng)生活必需品將迎來(lái)漲價(jià)。摩根大通（JP Morgan）首席執(zhí)行官杰米·戴蒙稱當(dāng)前市場(chǎng)正經(jīng)歷“劇烈動(dòng)蕩”，金融專家預(yù)計(jì)求職者將面臨更大不確定性。
大量研究證明，經(jīng)濟(jì)困境會(huì)對(duì)身心健康造成雙重打擊。美國(guó)心臟協(xié)會(huì)（American Heart Association）發(fā)現(xiàn)82%的美國(guó)成年人存在財(cái)務(wù)焦慮。去年銀率網(wǎng)（Bankrate）的調(diào)查顯示，47%的美國(guó)人認(rèn)為財(cái)務(wù)焦慮有損心理健康，其他研究還揭示了財(cái)務(wù)壓力對(duì)工作效率與人際關(guān)系的負(fù)面影響。財(cái)務(wù)健康管理平臺(tái)Wagestream的數(shù)據(jù)顯示，近半數(shù)美國(guó)人表示財(cái)務(wù)壓力對(duì)睡眠造成了負(fù)面影響。
研究還發(fā)現(xiàn)了更多證據(jù)，證明財(cái)務(wù)焦慮對(duì)身體和大腦都有傷害。在《科學(xué)》雜志發(fā)表的一項(xiàng)研究發(fā)現(xiàn)，長(zhǎng)期財(cái)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(cái)務(wù)壓力的健康影響接受《金融時(shí)報(bào)》采訪時(shí)指出：“當(dāng)人們?yōu)榻疱X(qián)煩惱，盤(pán)算如何管理收入時(shí)，這種焦慮會(huì)消耗大腦處理能力，而且研究表明消耗量是巨大的。在財(cái)務(wù)壓力下，人們的決策能力、工作效率、控制情緒和沖動(dòng)的能力都會(huì)顯著下降……財(cái)務(wù)壓力的危害甚至超過(guò)徹夜失眠。任何養(yǎng)育過(guò)嬰幼兒的人都知道失眠對(duì)次日狀態(tài)的影響。所以，想象一下日復(fù)一日的財(cái)務(wù)壓力，它將使人陷入難以掙脫的困境?！?/p>
成年人每晚睡眠至少達(dá)到7小時(shí)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(jué)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(cái)富》雜志推薦以下緩解財(cái)務(wù)焦慮的方法：
? 咨詢財(cái)務(wù)治療師，探討金錢(qián)觀念與消費(fèi)模式，學(xué)會(huì)管理情緒
? 通過(guò)運(yùn)動(dòng)或冥想轉(zhuǎn)換思維空間，增強(qiáng)應(yīng)對(duì)財(cái)務(wù)挑戰(zhàn)的信心
? 循序漸進(jìn)地積累儲(chǔ)蓄（財(cái)富中文網(wǎng)）
譯者：劉進(jìn)龍
審校：汪皓
在特朗普關(guān)稅政策出臺(tái)之前，絕大多數(shù)美國(guó)人就已對(duì)自身的財(cái)務(wù)健康狀況憂心忡忡，而關(guān)稅幾乎注定會(huì)加劇這種財(cái)務(wù)壓力。
經(jīng)濟(jì)學(xué)家預(yù)測(cè)，食品雜貨等多項(xiàng)生活必需品將迎來(lái)漲價(jià)。摩根大通（JP Morgan）首席執(zhí)行官杰米·戴蒙稱當(dāng)前市場(chǎng)正經(jīng)歷“劇烈動(dòng)蕩”，金融專家預(yù)計(jì)求職者將面臨更大不確定性。
大量研究證明，經(jīng)濟(jì)困境會(huì)對(duì)身心健康造成雙重打擊。美國(guó)心臟協(xié)會(huì)（American Heart Association）發(fā)現(xiàn)82%的美國(guó)成年人存在財(cái)務(wù)焦慮。去年銀率網(wǎng)（Bankrate）的調(diào)查顯示，47%的美國(guó)人認(rèn)為財(cái)務(wù)焦慮有損心理健康，其他研究還揭示了財(cái)務(wù)壓力對(duì)工作效率與人際關(guān)系的負(fù)面影響。財(cái)務(wù)健康管理平臺(tái)Wagestream的數(shù)據(jù)顯示，近半數(shù)美國(guó)人表示財(cái)務(wù)壓力對(duì)睡眠造成了負(fù)面影響。
研究還發(fā)現(xiàn)了更多證據(jù)，證明財(cái)務(wù)焦慮對(duì)身體和大腦都有傷害。在《科學(xué)》雜志發(fā)表的一項(xiàng)研究發(fā)現(xiàn)，長(zhǎng)期財(cái)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(cái)務(wù)壓力的健康影響接受《金融時(shí)報(bào)》采訪時(shí)指出：“當(dāng)人們?yōu)榻疱X(qián)煩惱，盤(pán)算如何管理收入時(shí)，這種焦慮會(huì)消耗大腦處理能力，而且研究表明消耗量是巨大的。在財(cái)務(wù)壓力下，人們的決策能力、工作效率、控制情緒和沖動(dòng)的能力都會(huì)顯著下降……財(cái)務(wù)壓力的危害甚至超過(guò)徹夜失眠。任何養(yǎng)育過(guò)嬰幼兒的人都知道失眠對(duì)次日狀態(tài)的影響。所以，想象一下日復(fù)一日的財(cái)務(wù)壓力，它將使人陷入難以掙脫的困境?！?/p>
成年人每晚睡眠至少達(dá)到7小時(shí)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(jué)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(cái)富》雜志推薦以下緩解財(cái)務(wù)焦慮的方法：
? 咨詢財(cái)務(wù)治療師，探討金錢(qián)觀念與消費(fèi)模式，學(xué)會(huì)管理情緒
? 通過(guò)運(yùn)動(dòng)或冥想轉(zhuǎn)換思維空間，增強(qiáng)應(yīng)對(duì)財(cái)務(wù)挑戰(zhàn)的信心
? 循序漸進(jìn)地積累儲(chǔ)蓄（財(cái)富中文網(wǎng)）
譯者：劉進(jìn)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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