A new wave of research is shedding light on the heavy toll financial stress is exacting on individuals’ mental health and sleep, with implications that resonate strongly in Thailand’s own escalating cost-of-living crisis. While a recent US-based study conducted by the Affordable Housing Hub found that over half of surveyed adults lose sleep over money worries, the underlying story has deep international relevance—including for Thai society, where struggles with financial anxiety, depression, and insomnia are rising sharply (ksby.com).

More than half of adults surveyed in a new study admit that financial stress is robbing them of sleep, highlighting a deepening crisis as economic anxieties seep into every corner of daily life. The research, conducted by Affordable Housing Hub and released in late June 2025, polled 1,000 U.S. participants and found 53% reported losing sleep due to money worries. Nearly half confessed to depending on credit cards to meet basic needs like food and utilities. These findings echo similar struggles in countries like Thailand, where rising living costs and unsteady employment have combined to create a potent source of chronic stress (KSBY.com).

Mounting evidence from recent global and Thai research makes the connection clear: financial stress is not just a matter of the wallet, but a serious threat to mental health. As economic pressures increase worldwide and in Thailand, experts urge individuals and policymakers to address the psychological toll money worries can inflict, while providing actionable strategies to mitigate the risks.

Recent coverage by NPR highlights just how deeply financial uncertainty—stemming from job losses, fears of recession, or shrinking savings—affects the psyche. While having financial reserves is a buffer, research shows that one’s perception of financial change matters even more. Social work professor Jeffrey Anvari-Clark’s 2023 study found that how people feel about a decline in income influences their mental well-being twenty times more than the actual loss itself. The narratives people adopt—interpreting difficulty as either a temporary setback or a catastrophe—can determine whether they endure the stress or slide into anxiety, depression, or even physical health issues such as high blood pressure and heart problems (NPR, 2025).

Rising Financial Anxiety Takes Toll on Health and Intellectual Capacity

In recent findings, heightened financial stress is emerging as a critical factor adversely affecting not just the physical well-being but also the cognitive functions of individuals. This trend, prominently observed in the United States, underscores the global importance of understanding the far-reaching consequences of economic pressures on health and intelligence.

The nexus between financial stress and health issues is not novel, but recent studies have emphasized a more profound impact on cognitive performance, such as IQ levels, which traditionally have been considered relatively stable over adulthood. As financial uncertainties grow, individuals report increased anxiety levels, leading to a psychosomatic cycle that exacerbates mental health challenges, affects decision-making, and diminishes overall life satisfaction.