{"id":1047,"date":"2025-11-03T13:33:11","date_gmt":"2025-11-03T19:33:11","guid":{"rendered":"https:\/\/www.bellvest.ca\/winnipeg\/resources\/financial-phobias\/"},"modified":"2025-11-03T13:43:21","modified_gmt":"2025-11-03T19:43:21","slug":"financial-phobias","status":"publish","type":"resources","link":"https:\/\/www.bellvest.ca\/winnipeg\/resources\/financial-phobias\/","title":{"rendered":"Understanding &amp; Overcoming Financial Phobias"},"content":{"rendered":"\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\"><em>\u201cSometimes, it is not the money in your bank account that solves your problems, but the wisdom in your head.\u201d \u2013 <\/em>Michael Bassey Johnson<\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">One of the greatest tools at a financial advisor\u2019s disposal is the ability to empathize with clients to develop a deeper understanding of their circumstances. Sometimes it\u2019s the excitement they feel over watching their financial plan come together, but it can also be about their concerns.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">In some cases, these difficulties manifest as financial phobias. It\u2019s likely that many advisors aren\u2019t familiar with the term, but they\u2019ve likely unknowingly encountered them before.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Here are a few ways to identify and address the fear or anxiety around money worries.<\/span><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color has-large-font-size wp-elements-e856cf02b5ec42a4b887055a05d2cebf\" style=\"color:#a99867\"><strong>What are financial phobias?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Generally speaking, they\u2019re a class of extreme and often irrational or extreme fears related to financial matters.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">They can present themselves in acute episodes, such as not opening bank statements after a severe loss, or they can be chronic, like ignoring credit card balances entirely. In either case, they most commonly involve a degree of avoidance behaviour.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">The University of Cambridge <\/span><a href=\"https:\/\/www.theguardian.com\/money\/2003\/jan\/27\/highereducation.medicineandhealth\">conducted a study<\/a><span style=\"font-weight: 400;\"> in 2003 that concluded that symptoms follow a similar pattern to anxiety:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">+50% suffer apprehension.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">45% have elevated heart rates.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">38% lack any interest in money matters.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">15% are immobilized.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">12% feel physically unwell.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">11% experience dizziness.<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">More recently, the FP Canada\u2122 2025 <\/span><a href=\"https:\/\/www.fpcanada.ca\/2025-financial-stress-index\"><span style=\"font-weight: 400;\">Financial Stress Index<\/span><\/a><span style=\"font-weight: 400;\"> corroborated those findings, with 52% of Canadians living in fear of making the wrong financial decisions\u201449% of them lose sleep over it. In fact, 42% of respondents listed money as their leading source of stress. The second top stressor, health, was a far cry away at 21%.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color has-link-color has-medium-font-size wp-elements-c1f7475fa3b16079c1681b1a4ad6e856\" style=\"color:#a99867\"><strong>What are common financial phobias?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">According to Brenan Burchell, a senior lecturer, approximately 20% of the population suffers from financial phobias. An interesting demographic trend took shape as well; the condition is more prevalent in women and younger people.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">In the <\/span><a href=\"https:\/\/www.perkbox.com\/uk\/resources\/blog\/financial-wellbeing-survey\"><span style=\"font-weight: 400;\">2019 UK financial wellbeing survey<\/span><\/a><span style=\"font-weight: 400;\">, 61% of respondents reported money as the leading cause of stress, ahead of work, health, and relationships. Globally, BlackRock\u2019s <\/span><a href=\"https:\/\/www.blackrock.com\/corporate\/insights\/investor-pulse#intro\"><span style=\"font-weight: 400;\">2019 Global Investor Pulse<\/span><\/a><span style=\"font-weight: 400;\"> found that 43% aren\u2019t thinking about their future because they\u2019re too worried about their current financial situation. In 2022, Capital One\u2019s <\/span><a href=\"https:\/\/www.capitalone.com\/about\/newsroom\/mind-over-money-survey\/\"><span style=\"font-weight: 400;\">research<\/span><\/a><span style=\"font-weight: 400;\"> found that a staggering 77% of Americans noted anxiety over their financial well-being, and 58% felt that finances controlled their lives.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">The most common financial phobias are typically:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Peniaphobia, the fear of poverty or being financially insecure.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Plutophobia, the fear of wealth or its responsibilities.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Atychiphobia, the fear of financial failure or taking risks.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Chrometophobia, the fear of money or spending money.<\/span><\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Fear responses vary, but one of the more universal ones is being afraid to talk about money itself. This avoidance policy can complicate any attempts to overcome your fears and hold you back from financial success.<\/span><\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-color has-link-color has-medium-font-size wp-elements-853cc6b3877664feb310b6eb65b350a7\" style=\"color:#a99867\"><strong>Where do financial phobias come from?<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Intense fears in general can <\/span><a href=\"https:\/\/citeseerx.ist.psu.edu\/document?repid=rep1&amp;type=pdf&amp;doi=6f8394f81f87c0f6d003d9a1dfa4947ed4cdb1ee\"><span style=\"font-weight: 400;\">develop at various ages<\/span><\/a><span style=\"font-weight: 400;\">, and they\u2019re typically rooted in exposure to some sort of stressor or trauma. Isolated events (i.e., your parents lost their home) or environmental factors (i.e., money was scarce during your childhood) tend to structure behaviours, and these sources often influence how specific phobias manifest later in life.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">In the first case, someone may be deeply fearful of taking on debt, and in the second example, they might resent the idea of spending a dime. Other impacts include:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Focusing solely on avoiding losses, which leads to missed opportunities.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Reacting to volatility and selling suitable investments in a panic.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Impulsively investing in speculative or trending assets without due diligence.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Excessive risk-taking due to an overconfidence in trading capabilities.<\/span><\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading has-text-color has-link-color has-large-font-size wp-elements-0fe3f366fb974197f2020f703e27a97c\" style=\"color:#a99867\">Is there a need for financial advisors to address financial phobias?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">The uptick in awareness (and <\/span><a href=\"https:\/\/www.forbes.com\/sites\/jackkelly\/2022\/07\/20\/financial-anxiety-is-increasing-as-inflation-surges-and-people-are-living-paycheck-to-paycheck\/?sh=6ead60d65f26\"><span style=\"font-weight: 400;\">number of cases, per Forbes<\/span><\/a><span style=\"font-weight: 400;\">) of financial anxiety has led the CFP Board to update their principal knowledge topics, and the psychology of financial planning has been <\/span><a href=\"https:\/\/www.cfp.net\/get-certified\/certification-process\/2021-practice-analysis\"><span style=\"font-weight: 400;\">introduced to the curriculum and certification exam<\/span><\/a><span style=\"font-weight: 400;\"> as of 2022. Vanguard even listed behavioural coaching in their <\/span><em><a href=\"https:\/\/www.vanguardsouthamerica.com\/content\/dam\/intl\/americas\/documents\/latam\/en\/2022\/08\/mx-sa-2335954-putting-a-value-on-your-value-quantifying-vanguard-advisors-alpha.pdf\"><span style=\"font-weight: 400;\">Putting a Value on Your Value<\/span><\/a><\/em><span style=\"font-weight: 400;\"> report, listing the potential value-add as 100 to 200 basis points in net returns. To put this in comparison:<\/span><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><span style=\"font-weight: 400;\">Cost-effectiveness added 30 basis points.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Rebalancing portfolios added 14 basis points.<\/span><\/li>\n\n\n\n<li><span style=\"font-weight: 400;\">Asset allocation added 0 to 60 basis points.<\/span><\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading has-text-color has-link-color has-medium-font-size wp-elements-1140becf2326b03f3d0ea29830ea2167\" style=\"color:#a99867\">How can a financial advisor help financial decisions?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">Clients deserve more out of their advisors than just charts and number crunching. Spending habits, money management, and finances are highly personal subjects\u2014being able to discuss them openly with your financial advisor starts with building a relationship based on trust, open communication, and, above all else, empathy.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">In fact, research shows that even working with an advisor has a remarkable effect on how confident Canadians feel about their circumstances. It might not be outright exposure therapy, but there may be fewer panic attacks along the way to reaching your financial goals and managing money-related matters.<\/span><\/p>\n\n\n\n<figure class=\"wp-block-image aligncenter size-large is-style-default wp-duotone-unset-1\"><img decoding=\"async\" src=\"https:\/\/www.bellvest.ca\/content-hub\/wp-content\/uploads\/sites\/2\/2025\/11\/the-power-of-professional-financial-support@2x-100-694x1024.jpg\" alt=\"Infographic showing Canadians with financial professionals experience less financial stress than those without, across measures like worry about money, sleep loss, and impact of financial stress.\" class=\"wp-image-3597\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">It is important to remember that there is a difference between <\/span><i><span style=\"font-weight: 400;\">advising <\/span><\/i><span style=\"font-weight: 400;\">and <\/span><i><span style=\"font-weight: 400;\">explaining<\/span><\/i><span style=\"font-weight: 400;\">. When someone expresses their concerns, it\u2019s often better to acknowledge them instead of dismissing or trying to describe why they\u2019re irrational fears. Open-ended questions are better suited for allowing investors to talk through their anxieties and, hopefully, find a resolution with a financial planner\u2019s advice, not an explanation.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><span style=\"font-weight: 400;\">There is a pressing need for advisors to help clients by listening, understanding, and asking the right questions. In a world where money makes the globe spin, discussing financial worries is a moment of vulnerability\u2014it\u2019s an advisor\u2019s job to provide comfort, support, and coping strategies in those moments.<\/span><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"featured_media":2062,"template":"","resources-categories":[21],"resources-type":[7],"class_list":["post-1047","resources","type-resources","status-publish","has-post-thumbnail","hentry","resources-categories-behavioural-finance","resources-type-blog-post"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v28.4 (Yoast SEO v28.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Understanding &amp; Overcoming Financial Phobias - Winnipeg BIM<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.bellvest.ca\/winnipeg\/resources\/financial-phobias\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Understanding &amp; Overcoming Financial Phobias\" \/>\n<meta property=\"og:description\" content=\"\u201cSometimes, it is not the money in your bank account that solves your problems, but the wisdom in your head.\u201d \u2013 Michael Bassey Johnson One of the greatest tools at a financial advisor\u2019s disposal is the ability to empathize with clients to develop a deeper understanding of their circumstances. 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