How It's Complicated works
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Find your therapistUse our free matching service for personal recommendations, or browse our network of 2,500+ therapists yourself.
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Start therapyReach out to your therapist and book your first session within 24 hours. Online or in person, in 60+ languages.
Learn more about economic problems
Therapy for economic problems supports the emotional and psychological toll of financial difficulty, whether that is debt, job loss, the rising cost of living, or ongoing money worry. Therapy cannot solve a financial problem or replace practical advice from a debt or financial adviser. What it can do is help with the stress, shame, anxiety, and low mood that money troubles often bring, and which can make everything harder to cope with. Financial strain is one of the most common sources of ongoing stress, and its effects on mental health are real, even though money worries are often carried in silence.
You do not need to be in financial crisis to find support useful. Money worry affects sleep, relationships, and wellbeing long before it reaches a breaking point. You might find therapy helpful if you:
- Feel constant anxiety, dread, or a racing mind about money
- Are losing sleep, or notice your mood dropping as financial pressure continues
- Feel shame or isolation about your situation, and avoid talking about it
- Are arguing with a partner or family about money
- Feel frozen, unable to open bills or face financial decisions
- Notice money worry spilling into other areas of your life
Several approaches can help with the emotional weight of financial difficulty, depending on what you are finding hardest.
- CBT: Cognitive Behavioural Therapy helps you manage anxious or catastrophising thoughts about money and break the cycle of worry that can make decisions harder.
- Counselling offers space to talk through the stress, shame, and strain without judgement, at your own pace.
- Solution-focused therapy is practical and forward-looking, helping you identify small, achievable steps rather than dwelling on the problem.
- Coaching can help with motivation, planning, and rebuilding a sense of agency when finances have knocked your confidence.
- ACT: Acceptance and Commitment Therapy helps you keep acting on what matters to you even under financial pressure, rather than being ruled by the worry.
It's Complicated is a therapist-founded mental health platform connecting clients with verified practitioners across Europe and globally in over 60 languages. We work with over 2,500 vetted therapists, with in-person availability in Berlin, Amsterdam, Barcelona, Lisbon, Vienna, and other major cities, alongside online sessions.
Seeking therapy when money is already tight can feel like an impossible ask, which is part of what makes financial stress so isolating. Our matching service is built to remove that friction, and we offer practitioners across a wide range of fees. You complete a short survey, our psychologists combine data-driven insights with human judgement to identify the right therapists for your situation, and you choose from a shortlist of strong candidates. You can also browse our directory directly if you'd prefer to choose yourself.
Get matched with a therapist who understands the impact of financial stress, or browse the directory to choose yourself.
