We spend a lot of time talking about how to manage money — how to earn it, save it,

invest it. But we don’t talk enough about how money makes us feel.

And for millions of Americans, the answer is: not great.

A recent Bankrate study found that over half of U.S. adults say money negatively

affects their mental health. That might not surprise you — but here’s what might: it’s

not just people living paycheck to paycheck. This includes people with solid incomes,

healthy savings, even those who appear “financially secure” on the surface.

So what’s really going on?

The truth is – money is emotional. It’s tied to our sense of identity, safety, even our

self-worth. People carry guilt about what they’ve spent, shame about what they haven’t

saved, or pressure to meet expectations they never

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