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Your money and your wellbeing – building financial resilience

  • 3 minute read
On 10 October 2025, World Mental Health Day shines a light on the importance of protecting our wellbeing. One theme often overlooked is the powerful link between money and mental health. For those balancing careers, family responsibilities and future planning, financial pressure can weigh heavily, but the right approach can also bring peace of mind.

The link between money and wellbeing

Research highlights just how closely finances and emotional wellbeing are connected. The Money and Mental Health Policy Institute reports that nearly 39% of people with mental health challenges say money worries have made things worse. In the workplace, 41% of employees1 cite financial pressures as their biggest external stressor, with many saying it affects their sleep or work performance.

These statistics remind us that financial stress isn’t just about numbers on a page. It’s about how confident and secure we feel about the future and the extent to which money worries can affect mental energy.

Why resilience matters

The good news is that resilience can be built. Financial resilience doesn’t mean avoiding every risk. It’s about putting the right foundations in place so you can adapt when circumstances change, make confident decisions and stay focused on your long-term goals.

Having a well-structured financial plan provides clarity and reduces uncertainty. When you know where you stand and what you’re working towards, it frees up headspace and eases the constant “what ifs.”

How financial advice helps ease pressure

Good financial advice isn’t just about numbers. It’s also about reassurance:

  • Clarity – helping you see the bigger picture beyond today’s headlines
  • Personalisation – building a personal financial plan around your family, career and goals
  • Flexibility – creating breathing room to cope with unexpected changes
  • Support – having a trusted financial planner to talk with can reduce anxiety.

This combination of practical and emotional support can bring real comfort, helping you feel more in control of both your finances and your future.

Practical steps to build resilience today

Even small actions can reduce stress and strengthen your financial wellbeing:

  • Review your safety net – from emergency savings to protection insurance
  • Maximise what you can control – like pension contributions and ISA allowances
  • Simplify where possible – fewer accounts and clear goals reduce complexity
  • Building confidence – working with a financial planner can help you make informed decisions, stay on track and feel in control of your future.

Looking ahead with confidence

World Mental Health Day is a reminder that our financial wellbeing and our emotional wellbeing are deeply connected. By taking proactive steps now and working with your financial planner, you can feel more resilient, less stressed and more confident about the future.

After all, good financial planning isn’t just about wealth. It’s about supporting your wellbeing today and building the future you want for tomorrow.

1MHFA England, 2024