4 Money Woes That Have Americans Tossing and Turning At Night

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Are you losing sleep because you’re stressed out about costly health care, skimpy retirement savings or other money woes? You’re not alone.

A new survey from CreditCards.com reveals that a whopping 65 percent of Americans aren’t getting enough sleep because financial insomnia has them tossing and turning at night.

That’s a rise from the 62 percent of people who reported losing sleep over money issues in both 2015 and 2016, says CreditCards.com. Financial insomnia in the U.S. is inching closer to the 69 percent figure we experienced in 2009 — during the Great Recession.

According to CreditCards.com, these are the four biggest money worries keeping Americans from getting a restful night’s sleep:

Health care

For the first time since CreditCards.com started doing the money worries survey in 2007, health care and insurance bills top the list of causes of financial insomnia. An estimated 38 percent of Americans say health care worries keep them up at night.

Congress’ initial attempt under President Donald Trump to repeal and replace the Affordable Care Act — also known as Obamacare — likely exacerbated Americans’ health care and insurance affordability concerns, says CreditCards.com. Psychologist and financial therapist Maggie Baker tells the website:

“Whether you’re a Republican or a Democrat, the amount of conflict we’ve been subjected to and the nasty disagreement has made people extremely anxious. If we were in a calmer political situation in this country, I think people would be worried about health care, but the level of anxiety wouldn’t be quite as high.”

If you are worried about rising health costs, check out “2 Ways to Brace Your Budget for Rising Health Care Costs.”


The second biggest financial culprit causing Americans to lose sleep at night is retirement savings. Thirty-seven percent of those surveyed say they lie awake at night, stressed out about the lack of savings for their golden years.

If you, too, are concerned, check out “Ready to Rescue Your Retirement in 2017? Here’s How.”

Student loans

The number of Americans losing shut-eye over their ability to pay their student loan debts has increased from 30 percent in 2016 to 34 percent in 2017.

If you are struggling with student loan debt, we can help. Check out our Solutions Center to find an expert who can offer help to pay off student loans.


CreditCards.com says about 1 in 4 Americans report that concerns over being able to afford their monthly rent or mortgage keeps them up at night, “about the same percentage as every poll since 2009.”

If you’re searching for more breathing room in your monthly budget, search for a better mortgage rate in our Solutions Center.

Are financial worries keeping you up at night? Sound off below or on Facebook.

Disclosure: The information you read here is always objective. However, we sometimes receive compensation when you click links within our stories.

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