Navigating Mental Health Challenges With Therapy During A Recession

Medically reviewed by Nikki Ciletti, M.Ed, LPC
Updated May 7th, 2025 by BetterHelp Editorial Team

While a recession often has a negative impact on a person’s financial well-being, it can also affect their mental health. When a recession hits, families and individuals may experience reduced cash flow, resulting in having less money available. Financial difficulties can contribute to stress, anxiety, and depression, which can make it more challenging to overcome financial hardships. 

Various strategies can improve mental health, even during times of economic uncertainty. Building a recession-proof mindset by practicing mindfulness techniques or connecting with a therapist may be especially helpful. In this article, we will examine the mental health challenges associated with a poor economy and explore ways to improve mental health during a recession.  

A woman is seated and gesturing while having a conversation with someone seated across from her.
Getty/SDI Productions
Are you feeling stressed or anxious about money?

Mental health impacts of a recession

Recessions may trigger both emotional and psychological challenges that can compound existing mental health conditions or contribute to the development of new ones. These impacts may result from feeling overwhelmed about the future or having concerns about income or job loss. Individuals may experience stress and anxiety, which can lead to trouble sleeping, increased irritability, and difficulty concentrating.  

Depression may also deepen during economic downturns, particularly when financial statements continue to roll in, but future income and job security may not be guaranteed. The uncertainty of the future, coupled with social stigma around financial hardship, can lead to isolation and shame. This may impact different groups of people in various ways. For example, parents may feel guilty about not being able to provide for their families, while young adults may become disillusioned with the lack of jobs, and older workers may become concerned about the feasibility of retirement.

The importance of cultivating a recession-proof mindset 

During a recession, it can be important to pay attention to spending, conduct economic research, connect with a financial expert, and focus on ways to make more money. In addition to these practical steps, it may also be helpful to cultivate a recession-proof mindset, which may involve practicing gratitude and developing adaptability. This type of mindset often focuses on resilience and long-term thinking, even when short-term circumstances are tough. 

Developing a long-term, recession-proof mindset may involve the following strategies: 

  • Gratitude: Focusing on what an individual has instead of what they do not have can change their perspective during hard times. Gratitude may also reduce stress and anxiety caused by financial hardships
  • Reframing negative thoughts: During a recession, it can be common for people to develop negative beliefs, such as “This will never get better,” or “I am stuck in this situation.” Replacing these thoughts with ideas like “Times are hard now, but they will get better in the future,” can be a way to improve mental health and one’s outlook on the world. 
  • Practicing self-compassion: Understanding that economic struggles are not a personal failure can help individuals care for themselves during a recession.

Impacts of financial stress 

The impacts of financial stress can be wide-ranging and may occur whether or not a recession is occurring. Mental, social, and physical health impacts can vary in severity from person to person, depending on their unique personality and life circumstances. 

Mental health impacts

Mental health impacts of financial stress may include sleep difficulties, increased irritability, and depression. In some cases, impacts like stress and irritability can make it challenging to sleep, which may increase irritation in a positive feedback loop. Over time, these symptoms can erode overall mental resilience and make it harder to function effectively in daily life.

Social and physical impacts

Financial stress may also impact a person’s social life. During times of financial hardship, some may experience shame or guilt, potentially leading them to avoid social situations and become isolated, which can further impact mental health. For some, there may be feelings of shame and guilt associated with financial stress, which may lead them to avoid seeking support. 

Physically, a person under financial stress may experience symptoms similar to those associated with other types of stress. These stress symptoms can include an elevated heart rate, increased blood pressure, and a higher risk of cardiovascular disease. A person may also experience muscle tension, which can lead to headaches and joint pain.

Reducing anxiety by managing cash flow

During a recession, an individual may be able to cope with anxiety and other mental health impacts by developing a strategy to manage money and cash flow. This can involve techniques to increase income or decrease spending, which may put a person in greater control of their finances. Below are some strategies for managing cash flow and creating a resilient mindset during a recession.

An older man sits by the window, gazing outside, deep in thought.
Getty/stockfour

Strategies to manage cash flow 

Financial challenges can be mitigated with money management strategies. It may be helpful for individuals to connect with a financial professional who can provide personalized advice and guidance for saving money. In general, maintaining a budget and planning for upcoming spending is helpful. 

Creating a recession-proof mindset 

Outside of implementing money management strategies, it can be helpful to develop a recession-proof mindset. This can involve staying grounded and thinking clearly during times of uncertainty. While money problems can seem overwhelming, a strong mindset may help individuals approach challenges with flexibility, confidence, and focus rather than fear.

Strategies to improve mental health during a recession

Although economic uncertainty cannot be eliminated completely, individuals can take actionable steps to improve their mental health and well-being during a recession. These strategies, which can be supported by various therapeutic approaches, can help a person build emotional resilience and regain a sense of control. Strategies to improve mental health during a recession include the following: 

  • Establishing a routine: A consistent daily routine can create structure and predictability during uncertain times, which may reduce anxiety. It may be helpful to create habits like waking up at the same time each day, taking regular walks, and setting aside time for reflection. 
  • Limiting news and social media: Constant updates on the state of the economy from the news and social media can increase overwhelming feelings and stress. It may be helpful to schedule a certain time of day to check these outlets for economic news rather than consuming news all day, every day. 
  • Connecting with a support network: During a recession, individuals may become socially isolated, leading them to believe they are alone in their challenges. Connecting with friends and family members can be empowering, and talking openly about challenges can be grounding and healing.
  • Practicing mindfulness: Mindfulness, breathing exercises, and grounding strategies can calm racing thoughts and reduce stress. These tools may be implemented as both short- and long-term strategies to reduce the impact of financial stress on a person’s daily life. 
  • Prioritizing physical health: During periods of elevated stress, it can be beneficial to prioritize physical health by getting regular exercise, prioritizing quality sleep, and maintaining nutritious eating habits. Incorporating these physical health practices can reduce anxiety and stress, enhancing overall mood and mental health. 

What to look for in a therapy practice

As a business model, mental health services tend to be resilient, even during poor economic conditions. While many businesses are negatively impacted by a recession, therapy and mental health services often see an increase in demand due to heightened needs during challenging economic times. For individuals in search of a new therapy practice, it may be important to consider a therapist’s area of expertise and take time to connect with multiple therapists to find a good fit. 

Therapy practice specialization 

Different therapists specialize in different aspects of mental health. When looking for a therapist during a recession, it may be beneficial to find a professional with expertise in managing financial stress and anxiety. A therapist can recommend mindfulness strategies and implement therapeutic techniques like cognitive behavioral therapy (CBT), which can help a person identify and reframe negative thought patterns to positively impact their emotions and behaviors. 

Connecting with multiple therapists to find the right fit

It can be helpful to connect with many therapists to find one who suits an individual’s preferences and mental health needs. During this search, it can be important for a person to ask questions and learn about each therapist’s style and expertise. While meeting with many different therapists in person can be a logistical challenge, online therapy options can make the process easier and more efficient. 

A man sits on a chair while on a video call from his laptop.
Getty/simon2579
Are you feeling stressed or anxious about money?

How can therapists help during a recession?

During a recession, therapists can consider a person’s full mental health history, combined with current financial stressors, to evaluate, diagnose, and treat mental health conditions. However, for those with busy schedules or transportation challenges, attending in-person therapy sessions at a brick-and-mortar office isn’t always feasible. Online therapy can take place from any location with a personal device and an internet connection. This empowers individuals to receive the support they deserve from a comfortable location and at a time that suits their schedule. 

Online therapy can be an effective way for individuals to reduce stress and anxiety related to a recession while improving overall mental health. Research supports the use of online therapy as an effective alternative to in-person mental health care. 

Takeaway

Recessions and financial downturns can negatively impact a person’s mental health, often leading to anxiety and stress about money. During a recession, it may be beneficial for a person to incorporate mindfulness techniques, such as practicing gratitude or meditation, in order to develop a positive mindset. Meanwhile, consulting a financial advisor can offer practical guidance. It may also be helpful to connect with a therapist online or in person to reduce anxiety and stress.

Explore mental health and healing in therapy
The information on this page is not intended to be a substitution for diagnosis, treatment, or informed professional advice. You should not take any action or avoid taking any action without consulting with a qualified mental health professional. For more information, please read our terms of use.
Get the support you need from one of our therapistsGet started