How money stress steals sleep—and years off your life
Money worries and poor sleep often go hand in hand, with research showing that financial stress affects both health and longevity. A new report highlights how managing emotions around finances can improve wellbeing, while simple habits like regular holidays and charitable giving also play a role in extending life expectancy. Meanwhile, experts have outlined the savings needed for a comfortable retirement in the UK.
A study by debt charity StepChange found that 75% of people lose sleep over money troubles. The impact of poor rest is significant: getting 7-8 hours of sleep each night can add up to five years to a man’s life and two years to a woman’s. It also lowers the risk of heart disease, cancer, and early death from any cause.
Financial wellbeing goes beyond just having enough money. Research shows that a positive relationship with finances strengthens immunity in later life. Optimistic individuals tend to live longer too—women by 15% and men by 11% compared to pessimists. Giving to others can also boost health. Donations through Gift Aid allow charities to claim an extra 25p for every £1 given, while the act of giving raises oxytocin levels, reducing stress. Additionally, the UK allows a £3,000 annual gift allowance without affecting inheritance tax. For long-term security, the Pensions and Lifetime Savings Association (PLSA) has set retirement income targets. A single person needs £31,300 a year for a comfortable lifestyle, while a couple requires £43,100. To achieve this, an individual would need savings of £638,436, and a couple £732,872, providing annual incomes of £43,900 and £60,600 respectively. Taking regular breaks also helps. Just three weeks of holiday a year can lower cortisol levels, reducing stress and potentially extending life.
The link between financial health and physical wellbeing is clear. Better sleep, a positive mindset, and smart financial planning can all contribute to a longer, healthier life. Meanwhile, small actions like giving to charity or taking regular holidays offer measurable benefits for both stress reduction and longevity.
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