By Madeline Holcombe, CNN

(CNN) — Money stress exists at all socioeconomic levels. It causes prolonged and serious fights in relationships, is linked to insomnia and stomach ulcers , and acts as a major stressor for most Americans, according to Dr. Megan McCoy, a financial therapist and associate professor at Kansas State University.

And with the uncertainty surrounding the impacts of tariffs on prices and a job market that seems to be running out of steam, it makes sense that financial panic may be especially high and emotional well-being particularly low.

The best time to make financial decisions is before you are in a bad situation, when you can look at your priorities, needs and realities and build a plan that is realistic and resilient, added Elizabeth Husserl, a financi

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