What is a common sign of financial stress?

Substance abuse is often recognized as a sign of financial stress because it can indicate a coping mechanism for individuals dealing with overwhelming anxiety and distress about their financial situation. When people face financial difficulties, they may turn to drugs or alcohol to alleviate their emotional pain or provide temporary relief from their worries. This behavior can lead to a cycle of dependence, which exacerbates financial problems and often results in additional stressors, further impacting an individual’s ability to manage their finances effectively.

In contrast, infrequent spending might suggest that a person is being cautious or frugal, while an optimistic outlook indicates a positive mindset that can be essential for overcoming challenges. A high level of savings typically represents financial security rather than stress.