There is one stressor, however, that persistsand its a big one.

If youre stressed out in the evening, it can prevent a good nights sleep.

That lack of energy can last through the workday.

financial stress illustration

Verywell / Joshua Seong

Add money into the equation, and all of those feelings may be heightened.

In comparison, only 16% cited COVID-19 as their biggest source of stress.

In essence, a money problem becomes an everything problem.

Whos Actually Recovering?

A lot of Americans feel like they have mentally recovered from their experiences during the pandemic.

But who are the recovered?

Gen X and Millennials lag far behind, with 40% and 37% saying they have recovered.

Only 21% of Gen Z feel the same.

As with lower ages, those in lower-income brackets are still struggling.

Less than half of people with a household income below $75,000 feel they have mostly or fully recovered.

COVID-19 is a physical health crisis.

Its also a mental health crisis.

For many, uncertainty and stress go hand in hand.

Do I buy groceries or pay the rent?

Can we afford to add to the credit card bill?

How long will the eviction moratorium last?

Will unemployment benefits be cut off?

It didnt take COVID-19 for these financial questions to begin troubling millions of Americans.

Perhaps unsurprisingly, the cost is cited as the most common reason.

That said, most respondents who are in therapy have health insurance that covers it.

Of course, that is no help to those who lack insurance and/or cant afford therapy.

The survey is fielded online, beginning April 28, 2021, to 4,000 adults living in the U.S.

The total sample matches U.S. Census estimates for age, gender, race/ethnicity, and region.