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Financial worries disrupt sleep in National Guard members — Level A2 — a woman sleeping on a bed with a blue blanket

Financial worries disrupt sleep in National Guard membersCEFR A2

1 Dec 2025

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

Photo by Slaapwijsheid.nl, Unsplash

Level A2 – High beginner / Elementary
3 min
131 words

The study published in the Journal of Business and Psychology found that worry about money and job security can make it harder to relax before sleep and lower sleep quality. Researchers followed full-time Army and Air National Guard service members for nine months as part of a Department of Defense funded project.

Participants reported financial stress at the start, bedtime stress behaviours four months later, and sleep health five months after that. Scientists used both self-reported sleep measures and wrist-worn actigraph devices. The team found that economic stress predicted more tense thoughts at bedtime and then more insomnia symptoms and daytime problems. The authors say employers can offer pay, benefits, financial planning, and schedule flexibility, while individuals can try consistent sleep schedules and less screen time before bed.

Difficult words

  • stressA feeling of worry or pressure.
  • financialRelated to money and managing it.
  • supportHelp or assistance given to someone.
  • situationA set of conditions or state of affairs.
  • fatigueA state of extreme tiredness.
  • qualityThe standard or level of something.
  • habitsRegular practices or routines.

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

Discussion questions

  • How do financial worries affect your daily life?
  • What healthy habits do you think improve sleep?
  • In what ways can workplaces better support their employees?

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Financial worries disrupt sleep in National Guard members — English Level A2 | LingVo.club