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How Money Stress Can Affect Sleep Quality — a woman sleeping on a bed with a blue blanket

How Money Stress Can Affect Sleep QualityCEFR B1

1 Dec 2025

Adapted from Kat Cosley Trigg - Rice, Futurity CC BY 4.0

Photo by Slaapwijsheid.nl, Unsplash

AI-assisted adaptation of the original article, simplified for language learners.

Recent research highlights the negative impact of financial stress on sleep quality, revealing a cycle where financial worries lead to poor sleep. When individuals are stressed about finances, they may struggle to unwind at bedtime, engaging in behaviors like rehearsing work problems or worrying further, which can impair sleep quality.

The study, involving data from military personnel, found that economic stresses predict stress at bedtime. This predicts more insomnia symptoms and lower sleep satisfaction. Importantly, financial stress affects individuals across different income levels; worrying about job security can disrupt sleep even for those who seem stable financially.

Researchers advocate for change in workplaces and policy-making, suggesting organizations should reduce such stressors through benefits and supportive policies. Individuals are also encouraged to adopt healthy sleep practices, such as maintaining a consistent sleep routine and avoiding screens before bedtime, to break the stress-sleep cycle. Ultimately, enhancing economic stability and healthy sleep is crucial for overall well-being.

Difficult words

  • stressA feeling of worry or pressure.
    stressed, stressors, stress at bedtime
  • qualityHow good or bad something is.
    sleep quality
  • financialRelated to money or personal finances.
    financial stress, financially
  • insomniaDifficulty in sleeping at night.
    insomnia symptoms
  • advocateTo support or argue for something.
    advocate for change
  • satisfactionA feeling of happiness with something.
    sleep satisfaction

Tip: hover, focus or tap highlighted words in the article to see quick definitions while you read or listen.

Discussion questions

  • What strategies do you think could help reduce financial stress?
  • How can better sleep improve overall well-being?
  • What healthy sleep practices do you find most effective?

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