A recent study from financial services company, Empower, found that Americans spend nearly four hours per day thinking about money.
That covers everything from debt and inflation to housing costs and retirement.
"Debt can really feel like an energetic drain, like noise blocking us from our clarity and really weakening our connection to our inner selves," says Lauria Stoia, author of "Own Your Power Within."
While that study also found that more than half of those surveyed said thinking about money motivated them to take action, Stoia says the pressure to save can impact mental health.
She notes common challenges are guilt, overwhelm and fear.
"The guilt can come from potential purchases that you made that you feel guilty about," she said. "The overwhelm can come from things that you know you need to buy today in order to reach some goals, and the fear comes from feeling you'll never get out of debt."
Stoia says owning your power includes making a conscious effort to overcome obstacles. Rather than looking up financial tips online, have a discussion with someone who can give you sound advice.
"Once you do, that's you taking control of your situation, and it will lift those feelings of fear and guilt and overwhelm," she said.
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