{"id":4086,"date":"2023-06-23T14:22:47","date_gmt":"2023-06-23T14:22:47","guid":{"rendered":"https:\/\/www.beyondfinance.com\/blog\/?p=4086"},"modified":"2026-06-22T17:50:08","modified_gmt":"2026-06-22T17:50:08","slug":"understanding-financial-trauma-with-a-financial-therapist","status":"publish","type":"post","link":"https:\/\/www.beyondfinance.com\/blog\/understanding-financial-trauma-with-a-financial-therapist\/","title":{"rendered":"What Is Financial Trauma? A Financial Therapist Explains"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Financial trauma is a psychological response to money-related experiences \u2014 acute or prolonged \u2014 that leaves a lasting imprint on how a person thinks, feels, and behaves around finances. It&#8217;s not just stress about money. It&#8217;s when that stress reshapes the nervous system&#8217;s relationship with financial reality, producing symptoms that look remarkably similar to clinical PTSD: hypervigilance, avoidance, panic responses, intrusive thoughts, and a profound disconnect between what a person knows intellectually and how their body reacts. This guide covers what financial trauma is, where it comes from, how it shows up in daily life, why it so often goes unrecognized, and what actually helps people heal from it.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>The Difference Between Financial Stress and Financial Trauma<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Let me start with a distinction that matters more than most people realize.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Financial stress is situational. It&#8217;s the anxiety you feel when an unexpected bill arrives, the worry that accompanies a tight month, or the tension of a difficult financial conversation. It&#8217;s uncomfortable, but it responds appropriately to the situation. When the situation resolves, the stress tends to ease up.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Financial trauma is very different. It&#8217;s what happens when financial experiences \u2014 either a single catastrophic event or a sustained accumulation of smaller ones \u2014 exceed a person&#8217;s capacity to cope, and in doing so, rewire how their brain processes anything related to money. <a href=\"https:\/\/www.sciencedirect.com\/science\/article\/pii\/S088761852300052X\" target=\"_blank\" rel=\"noreferrer noopener\">Research in the Journal of Anxiety Disorders<\/a> defines financial trauma as a cluster of physiological, psychological, and emotional responses to events where actual or threatened financial harm occurred. Once that rewiring happens, the nervous system stops responding to the financial situation in front of you and starts responding to the financial experiences behind you.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">That&#8217;s the clinical distinction I use in my work: stress is about what&#8217;s happening now. Trauma is about what happened then \u2014 and how it&#8217;s still running in the background.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"776\" height=\"437\" src=\"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2023\/06\/Financial-Trauma-Supporting-Image1.jpg\" alt=\"letter blocks on one side reading calm, on the other panic.\" class=\"wp-image-4087\" srcset=\"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2023\/06\/Financial-Trauma-Supporting-Image1.jpg 776w, https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2023\/06\/Financial-Trauma-Supporting-Image1-300x169.jpg 300w, https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2023\/06\/Financial-Trauma-Supporting-Image1-768x432.jpg 768w\" sizes=\"auto, (max-width: 776px) 100vw, 776px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Trauma is two things: what happened to you, and how your body responds to it. Our bodies have protection mechanisms built in \u2014 fight or flight responses \u2014 that exist to keep us safe. The problem is, our bodies don&#8217;t always do a great job of distinguishing between physical danger and emotional danger. The amygdala \u2014 the part of the brain that manages threat response \u2014 doesn&#8217;t check whether the danger is a predator or a past-due notice. It just fires.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I often describe it this way: when you&#8217;re in financial trauma, you&#8217;re seeing tigers where there aren&#8217;t any. Your body is responding to a creditor call or a bank statement as though it&#8217;s a genuine physical threat. Cortisol floods in, heart rate spikes, and muscles tense. The prefrontal cortex \u2014 the part of the brain responsible for rational thought, problem-solving, and decision-making \u2014 gets cut off. You&#8217;re in survival mode. And you cannot make good financial decisions from survival mode.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What Causes Financial Trauma?<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">One of the reasons financial trauma so often goes unrecognized is that people expect it to come from a single dramatic event \u2014 a bankruptcy, a foreclosure, a devastating market loss. And it certainly can and often does. But more often, financial trauma develops through accumulation: a prolonged period of economic insecurity, a childhood shaped by financial anxiety, or years of carrying debt that never seems to move.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Common sources of financial trauma include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Acute financial events:<\/strong> Job loss, divorce, a major medical crisis, foreclosure, bankruptcy, or a sudden inheritance (yes \u2014 even positive financial events can be traumatic, particularly when receiving money is wrapped up in grief or guilt).<\/li>\n\n\n\n<li><strong>Chronic financial stress:<\/strong> Sustained debt, years of living paycheck to paycheck, an impoverished childhood, or extended periods without stable income. <a href=\"https:\/\/ojed.org\/STEM\/article\/view\/7686\" target=\"_blank\" rel=\"noreferrer noopener\">Recent research in the American Journal of STEM Education<\/a> shows that chronic economic insecurity activates stress responses during critical developmental periods, rewiring how the nervous system processes threats in ways that can persist for decades.<\/li>\n\n\n\n<li><strong>Relational financial experiences:<\/strong> <a href=\"https:\/\/www.beyondfinance.com\/blog\/financial-abuse-4-forms-it-can-take-and-how-to-get-help\/\">Financial abuse<\/a> by a partner, discovering <a href=\"https:\/\/www.beyondfinance.com\/blog\/financial-secret-keeping\/\">financial infidelity<\/a>, being responsible for a family member&#8217;s financial crisis, or growing up in a household where money was a constant source of conflict or secrecy.<\/li>\n\n\n\n<li><strong>Intergenerational transmission:<\/strong> Financial trauma doesn&#8217;t always originate in your own life. Research suggests it can be <a href=\"https:\/\/www.beyondfinance.com\/blog\/intergenerational-money-stories\/\">passed down through families<\/a> \u2014 not just through learned behavior, but through the emotional DNA of people who survived financial crises, depression-era scarcity, or generational poverty. My grandparents survived the Great Depression. That experience shaped their worldview in ways that got passed to my mother, and echoes of it reached me, two generations removed from an economic crisis I never lived through.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>The absence of financial education:<\/strong> We don&#8217;t teach financial skills \u2014 or financial coping skills \u2014 in any systematic way. One of the reasons financial trauma goes unaddressed for so long is that most people don&#8217;t have a framework for recognizing it. Until someone labels what&#8217;s happening as traumatic, it just feels normal. Having a panic attack every time you open your bank statement is not normal. But without the language to describe it, it can feel like a personal failing rather than a treatable condition.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Why Does Financial Trauma Often Get Overlooked?<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"776\" height=\"437\" src=\"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2023\/06\/Financial-Trauma-Supporting-Image3.jpg\" alt=\"Man sits contemplating at his workspace\" class=\"wp-image-4089\" srcset=\"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2023\/06\/Financial-Trauma-Supporting-Image3.jpg 776w, https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2023\/06\/Financial-Trauma-Supporting-Image3-300x169.jpg 300w, https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2023\/06\/Financial-Trauma-Supporting-Image3-768x432.jpg 768w\" sizes=\"auto, (max-width: 776px) 100vw, 776px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"> In our society, money is a taboo topic. We don&#8217;t talk about it nearly enough \u2014 and the consequence of that silence is that financial distress, including financial trauma, gets carried alone and in shame for far longer than it needs to be.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There&#8217;s also a cultural narrative that treats money problems as moral failures. If you&#8217;re struggling financially, the implicit message is that you made bad choices, lacked discipline, or simply weren&#8217;t careful enough. That narrative is both inaccurate and harmful, and it directly prevents people from seeking help. The whole idea of money is based on what we put value into, and anything tied to what we think is important will always bring up emotions. We like to think money is logical \u2014 that it&#8217;s math \u2014 but that&#8217;s just the mask money wears.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The gap in financial education makes this worse. Even where financial literacy programs exist, they almost never address the emotional and psychological dimensions of money. Teaching someone to budget without teaching them how to manage financial stress is like teaching someone to swim without ever letting them near water. The cognitive skills exist in isolation from the emotional environment where they&#8217;d actually need to be used.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The study from the American Journal of STEM Education found that financial PTSD symptoms \u2014 including altered brain activation patterns, physical health symptoms, and intergenerational transmission \u2014 are well-documented clinically, yet remain undertreated largely because the condition lacks formal DSM recognition. Financial trauma is not currently a standalone clinical diagnosis, which means many people experiencing it never receive targeted treatment for it \u2014 because neither they nor their providers have the language to name what&#8217;s happening.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How Financial Trauma Shows Up: The Symptoms<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"776\" height=\"437\" src=\"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2023\/06\/Financial-Trauma-Supporting-Image5.jpg\" alt=\"Woman's financial trauma causing headaches\" class=\"wp-image-4091\" srcset=\"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2023\/06\/Financial-Trauma-Supporting-Image5.jpg 776w, https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2023\/06\/Financial-Trauma-Supporting-Image5-300x169.jpg 300w, https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2023\/06\/Financial-Trauma-Supporting-Image5-768x432.jpg 768w\" sizes=\"auto, (max-width: 776px) 100vw, 776px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Financial trauma produces symptoms across multiple domains. Understanding what they look like is often the first step toward recognizing them in yourself.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Physical Symptoms<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Trauma lives in the body. It isn&#8217;t something you think through \u2014 it&#8217;s something you feel through. Financial trauma can produce physical responses that seem entirely disconnected from their source:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Appetite changes \u2014 loss of hunger or stress eating<\/li>\n\n\n\n<li>Chronic headaches or migraines<\/li>\n\n\n\n<li>Stomach problems, nausea, digestive issues<\/li>\n\n\n\n<li>Muscle tension, particularly in the neck, shoulders, and jaw<\/li>\n\n\n\n<li>Elevated blood pressure<\/li>\n\n\n\n<li>Persistent fatigue or energy crashes<\/li>\n\n\n\n<li>Insomnia or disrupted sleep<\/li>\n\n\n\n<li>Nightmares \u2014 sometimes financial in content, often not<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">These symptoms can be easy to attribute to other causes. Many people experiencing financial trauma-related physical symptoms never connect them to their financial history because the connection isn&#8217;t intuitive. But the body keeps score, and financial stress is one of the most consistent ways it gets written there.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Psychological and Behavioral Symptoms<\/strong><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">When financial trauma activates the brain&#8217;s threat response, it cuts off access to the prefrontal cortex \u2014 the part of the brain responsible for rational thought, problem-solving, and executive function. This isn&#8217;t a metaphor \u2014 it&#8217;s a neurological event. The result is a cluster of psychological and behavioral symptoms that often seem baffling or self-defeating from the outside:<br><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Because of this, financial trauma could result in:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Hypervigilance around money \u2014 constant checking, monitoring, anticipating the worst<\/li>\n\n\n\n<li>Avoidance \u2014 not opening mail, not checking bank accounts, not making financial decisions<\/li>\n\n\n\n<li>Intrusive thoughts about debt or financial failure<\/li>\n\n\n\n<li>Panic responses to financial tasks that seem objectively manageable<\/li>\n\n\n\n<li>Trouble concentrating, especially on financial information<\/li>\n\n\n\n<li>Emotional numbness or dissociation when dealing with money<\/li>\n\n\n\n<li>Compulsive underspending or overspending as a regulation strategy<\/li>\n\n\n\n<li>Hoarding money or possessions<\/li>\n\n\n\n<li>Depression and anxiety<\/li>\n\n\n\n<li>Social isolation \u2014 avoiding situations that involve spending, or hiding financial reality from others<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">A useful self-check: when your body&#8217;s response to a financial situation doesn&#8217;t match the actual level of threat that situation presents, that&#8217;s information. If talking to a customer service representative about a bill makes your heart race and your hands shake, you&#8217;re not overreacting to a phone call. You&#8217;re responding to something deeper. You&#8217;re seeing a tiger where there are only kittens.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Relational Symptoms<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Financial trauma doesn&#8217;t stay contained to an individual. It moves into relationships \u2014 through secrecy, avoidance of financial conversations, conflict, and the emotional distance that forms when one or both partners are carrying unaddressed financial distress. Research has documented that financial problems significantly increase the risk of mental health difficulties and reduced emotional support in relationships, creating a compounding dynamic where financial stress and relational stress reinforce each other.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Financial infidelity \u2014 hiding spending, concealing debt, lying about financial reality \u2014 is often a symptom of financial trauma rather than a character flaw. People hide financial information because the shame and fear of financial trauma make transparency feel impossible. Understanding that context doesn&#8217;t excuse the behavior, but it does change how it needs to be treated.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>The Relationship Between Financial Trauma and Debt<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Beyond Finance clients carry a particular kind of financial weight that I want to address directly, because it&#8217;s relevant to why so many people find their way to a debt resolution program in the first place.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Debt is one of the most common sources of financial trauma \u2014 and one of the most common outcomes of it. The relationship runs in both directions. Financial trauma can produce the avoidance, impaired decision-making, and emotional dysregulation that allows debt to accumulate. And debt itself \u2014 the calls, the statements, the persistent sense of falling further behind \u2014 can be deeply traumatizing, especially when it&#8217;s accompanied by collection tactics designed to maximize fear and urgency.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">People who are struggling with debt are often already living inside a trauma response. That&#8217;s why telling someone in debt to &#8220;just make a budget&#8221; misses the point so completely. If their prefrontal cortex is regularly offline because financial threat activates their amygdala, the cognitive tools of financial planning are inaccessible. The emotional work has to come first \u2014 or at minimum, alongside \u2014 the practical financial work.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This is why the combination of financial therapy and debt resolution matters. The mechanics of resolving debt are important. But so is the nervous system regulation, the shame processing, and the identity work that allows someone to actually use those mechanics effectively. Beyond Finance clients who engage with financial wellness programming report an average 42% improvement in financial habits by program graduation \u2014 measured through a survey of over 10,000 completers. It\u2019s important to note that this improvement isn&#8217;t purely mathematical \u2014 it reflects people who have done enough emotional work to actually change their behavior.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>How Financial Trauma Heals<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"776\" height=\"437\" src=\"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2023\/06\/Financial-Trauma-Supporting-Image4.jpg\" alt=\"Finding peace from financial trauma\" class=\"wp-image-4090\" style=\"width:775px;height:436px\" srcset=\"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2023\/06\/Financial-Trauma-Supporting-Image4.jpg 776w, https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2023\/06\/Financial-Trauma-Supporting-Image4-300x169.jpg 300w, https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2023\/06\/Financial-Trauma-Supporting-Image4-768x432.jpg 768w\" sizes=\"auto, (max-width: 776px) 100vw, 776px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">The research on trauma recovery \u2014 financial and otherwise \u2014 is genuinely hopeful. We know from decades of clinical work that people can and do heal from trauma when they&#8217;re intentional about addressing it.<a href=\"https:\/\/www.mindmoneybalance.com\/blogandvideos\/understanding-financial-money-trauma\"><\/a>Post-traumatic growth \u2014 the process through which people recovering from trauma not only return to baseline but expand their capacity to function and find meaning \u2014 is <a href=\"https:\/\/www.mindmoneybalance.com\/blogandvideos\/understanding-financial-money-trauma\" target=\"_blank\" rel=\"noreferrer noopener\">well-documented in the research<\/a>. Healing is not just possible; it is, in the right conditions, predictable.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here&#8217;s what actually helps:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Name it.<\/strong> The single most important step in healing financial trauma is recognizing it as trauma rather than as personal failure. Giving it a name \u2014 financial trauma, financial PTSD \u2014 creates the necessary separation between who you are and what you&#8217;ve experienced. You are not your financial history. You are a person who has been affected by financial experiences, and those effects can be addressed.<\/li>\n\n\n\n<li><strong>Regulate before you problem-solve.<\/strong> You cannot think your way out of a trauma response. The prefrontal cortex is offline. Before financial decisions, before difficult financial conversations, before opening a statement that triggers anxiety \u2014 regulate first. <a href=\"https:\/\/www.beyondfinance.com\/blog\/video-mindfulness-techniques-to-handle-stress\/\">Breathe. Move. Ground yourself in your physical environment<\/a>. Give your nervous system a signal that you are safe enough to think. This is strategy \u2014 not avoidance.<\/li>\n\n\n\n<li><strong>Find support that understands both dimensions.<\/strong> Standard financial advice \u2014 budgeting apps, debt payoff calculators, interest rate optimization \u2014 addresses the mechanics of money without the emotional context. Standard therapy addresses emotional experiences without necessarily understanding the financial dimensions. Financial therapy sits at the intersection of both, and it&#8217;s where the most effective treatment for financial trauma happens. A financial therapist can help you work through the emotional roots of your financial behavior while also providing or connecting you to practical financial guidance.<\/li>\n\n\n\n<li><strong>Be patient with the timeline.<\/strong> Financial trauma, like other forms of trauma, doesn&#8217;t resolve linearly. There will be weeks when the work feels clear and progress feels real, and weeks when something <a href=\"https:\/\/www.beyondfinance.com\/blog\/understanding-your-financial-triggers-and-glimmers\/\">triggers a response<\/a> you thought you&#8217;d moved past. That&#8217;s how trauma recovery works. The trajectory is forward, even when the path isn&#8217;t straight.<\/li>\n\n\n\n<li><strong>Address the <\/strong><a href=\"https:\/\/www.beyondfinance.com\/blog\/intergenerational-money-stories\/\"><strong>intergenerational dimension<\/strong><\/a><strong>.<\/strong> If your financial trauma has roots in what you inherited from family, healing may require examining those roots directly \u2014 not to assign blame, but to consciously choose which parts of that story you carry forward and which you leave behind. The patterns that end with you don&#8217;t disappear automatically. They end because you decide they do, and then you do the work to make that decision real.<\/li>\n<\/ol>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\"\/>\n\n\n\n<p class=\"wp-block-paragraph\">Financial trauma is real, it\u2019s treatable, and it is not a reflection of who you are. The experiences that shaped your relationship with money \u2014 whatever they were, however long ago they happened \u2014 made sense at the time, within that context. The patterns they created made sense too, once. The work of healing isn&#8217;t about undoing your history. Rather it&#8217;s about updating your nervous system&#8217;s response to a present that is different from the past that shaped it. That work is rarely linear and almost never quick. But in over a decade of sitting with people navigating the emotional weight of financial struggle, I have not once met someone who was beyond it. The capacity to heal is not something you have to earn or prove. It&#8217;s already there. It just needs the right conditions to emerge.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p class=\"wp-block-paragraph\"><em>If you&#8217;re carrying debt and recognize some of what&#8217;s described in this piece, you don&#8217;t have to navigate it alone. <\/em><a href=\"https:\/\/www.beyondfinance.com\/blog\/\"><em>Beyond Finance offers weekly financial wellness sessions with certified financial therapists<\/em><\/a><em> \u2014 and a <\/em><a href=\"https:\/\/www.beyondfinance.com\/free_evaluation\"><em>free, no-obligation consultation<\/em><\/a><em> to explore whether one of our debt solutions might be right for your situation.<\/em><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Frequently Asked Questions About Financial Trauma<\/strong><\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1782150412222\"><strong class=\"schema-faq-question\"><strong>What is financial trauma?<\/strong><\/strong> <p class=\"schema-faq-answer\">Financial trauma is a lasting psychological response to money-related experiences \u2014 either a single acute event or a prolonged period of financial hardship \u2014 that produces symptoms similar to clinical PTSD: hypervigilance, avoidance, panic responses, intrusive thoughts, and impaired financial decision-making. Unlike ordinary financial stress, which responds to the current situation, financial trauma reflects the nervous system&#8217;s response to past experiences. Research defines it as a cluster of physiological, psychological, and emotional responses to events involving actual or threatened financial harm. It is not currently a formal DSM diagnosis, but its symptoms are clinically recognized and treatable.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1782150456956\"><strong class=\"schema-faq-question\"><strong>What are the symptoms of financial trauma?<\/strong><\/strong> <p class=\"schema-faq-answer\">Financial trauma symptoms span physical, psychological, behavioral, and relational domains. Physical symptoms include headaches, stomach problems, insomnia, muscle tension, and appetite changes. Psychological and behavioral symptoms include hypervigilance around money, avoidance of financial tasks, panic responses to financial information, trouble concentrating, dissociation, compulsive spending or underspending, depression, and anxiety. Relationally, financial trauma often produces secrecy, conflict, and difficulty with financial transparency in partnerships. A useful indicator: if your body&#8217;s response to a financial situation is disproportionate to the actual level of threat it presents, that&#8217;s a signal worth paying attention to.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1782150470582\"><strong class=\"schema-faq-question\"><strong>Can financial trauma be passed down through families?<\/strong><\/strong> <p class=\"schema-faq-answer\">Yes \u2014 and the research supports this. A 2025 study found that financial PTSD can be hereditary, transmitted intergenerationally through both learned behavior and what researchers describe as the &#8220;emotional DNA&#8221; of financial experiences. Children raised in financially anxious or economically unstable households absorb money beliefs, emotional responses, and behavioral patterns that can persist into adulthood and get passed to subsequent generations \u2014 even when the original financial circumstances no longer apply. This is one reason examining your family&#8217;s financial history is part of effective financial trauma treatment.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1782150484962\"><strong class=\"schema-faq-question\"><strong>Is financial trauma the same as PTSD?<\/strong><\/strong> <p class=\"schema-faq-answer\">The symptoms are clinically similar \u2014 and financial trauma is sometimes referred to as financial PTSD in research and clinical contexts. Both involve a nervous system that has been conditioned to treat certain stimuli as threatening, producing fight-or-flight responses that interfere with clear thinking and healthy behavior. The key difference is that financial trauma doesn&#8217;t currently appear as a standalone diagnosis in the DSM, which means it often goes untreated or undertreated in standard clinical settings. A financial therapist \u2014 someone trained at the intersection of financial planning and mental health \u2014 is typically better equipped to treat financial trauma than either a traditional therapist or a financial advisor working alone.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1782150498138\"><strong class=\"schema-faq-question\"><strong>How is financial trauma different from just being bad with money?<\/strong><\/strong> <p class=\"schema-faq-answer\">Financial trauma is a nervous system condition, not a character trait. Being &#8220;bad with money&#8221; is a cultural narrative that attributes financial struggle to personal failure \u2014 poor discipline, bad decisions, insufficient <strong>How do you heal from financial trauma?<\/strong> Healing from financial trauma requires addressing both the emotional and the practical dimensions simultaneously. Effective treatment typically involves nervous system regulation (learning to manage the physiological stress response before attempting financial tasks), trauma-informed therapeutic support (processing the underlying experiences that created the trauma response), and practical financial skill-building (in an emotionally supportive context where the prefrontal cortex is actually accessible).<a href=\"https:\/\/www.mindmoneybalance.com\/blogandvideos\/understanding-financial-money-trauma\"> Research on post-traumatic growth<\/a> suggests that people who heal from trauma don&#8217;t just return to baseline \u2014 they often develop expanded resilience and a deeper sense of meaning. Recovery is not just possible; with the right support, it is predictable.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1782150511499\"><strong class=\"schema-faq-question\"><strong>How is financial trauma different from just being bad with money?<\/strong><\/strong> <p class=\"schema-faq-answer\">Financial trauma is a nervous system condition, not a character trait. Being &#8220;bad with money&#8221; is a cultural narrative that attributes financial struggle to personal failure \u2014 poor discipline, bad decisions, insufficient effort. Financial trauma recognizes that financial behavior is shaped by emotional experiences, family history, neurological responses to threat, and systemic factors well beyond individual control. Someone experiencing financial trauma may have excellent financial knowledge and still be unable to act on it consistently \u2014 because their nervous system regularly takes their prefrontal cortex offline in financial situations. The intervention for financial trauma is not more financial education. It is emotional and neurological healing, supported by practical financial guidance.<\/p> <\/div> <\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><em><em>The content and resources provided are for informational purposes only. While Beyond Finance strives to share reliable information, some resources on this site are provided by third parties and we cannot guarantee the accuracy of their content. We recommend consulting a financial and\/or tax professional regarding your specific financial situation.<\/em><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Financial trauma is a real, clinically recognized response to financial hardship \u2014 and one of the least acknowledged forms of distress in our culture. Nathan Astle, CFT\u2122 explains what it is, where it comes from, and what actually helps people heal.<\/p>\n","protected":false},"author":16,"featured_media":4103,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kadence_starter_templates_imported_post":false,"_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"categories":[168,1],"tags":[],"class_list":["post-4086","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-managing-financial-stress-trauma","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What Is Financial Trauma? 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As Financial Therapy Consultant at Beyond Finance, he leads weekly financial wellness sessions with clients and brings a rare dual credential in mental health and financial therapy to his work. He is the founder of the Financial Therapy Clinical Institute and writes a monthly column for Psychology Today entitled \\\"The Psychology of Debt.\\\" His expertise has been featured in the New York Times, Wall Street Journal, CNBC, and USA Today.\",\"url\":\"https:\\\/\\\/www.beyondfinance.com\\\/blog\\\/author\\\/nastle\\\/\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/www.beyondfinance.com\\\/blog\\\/understanding-financial-trauma-with-a-financial-therapist\\\/#faq-question-1782150412222\",\"position\":1,\"url\":\"https:\\\/\\\/www.beyondfinance.com\\\/blog\\\/understanding-financial-trauma-with-a-financial-therapist\\\/#faq-question-1782150412222\",\"name\":\"What is financial trauma?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Financial trauma is a lasting psychological response to money-related experiences \u2014 either a single acute event or a prolonged period of financial hardship \u2014 that produces symptoms similar to clinical PTSD: hypervigilance, avoidance, panic responses, intrusive thoughts, and impaired financial decision-making. Unlike ordinary financial stress, which responds to the current situation, financial trauma reflects the nervous system's response to past experiences. Research defines it as a cluster of physiological, psychological, and emotional responses to events involving actual or threatened financial harm. It is not currently a formal DSM diagnosis, but its symptoms are clinically recognized and treatable.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/www.beyondfinance.com\\\/blog\\\/understanding-financial-trauma-with-a-financial-therapist\\\/#faq-question-1782150456956\",\"position\":2,\"url\":\"https:\\\/\\\/www.beyondfinance.com\\\/blog\\\/understanding-financial-trauma-with-a-financial-therapist\\\/#faq-question-1782150456956\",\"name\":\"What are the symptoms of financial trauma?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Financial trauma symptoms span physical, psychological, behavioral, and relational domains. Physical symptoms include headaches, stomach problems, insomnia, muscle tension, and appetite changes. Psychological and behavioral symptoms include hypervigilance around money, avoidance of financial tasks, panic responses to financial information, trouble concentrating, dissociation, compulsive spending or underspending, depression, and anxiety. Relationally, financial trauma often produces secrecy, conflict, and difficulty with financial transparency in partnerships. A useful indicator: if your body's response to a financial situation is disproportionate to the actual level of threat it presents, that's a signal worth paying attention to.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/www.beyondfinance.com\\\/blog\\\/understanding-financial-trauma-with-a-financial-therapist\\\/#faq-question-1782150470582\",\"position\":3,\"url\":\"https:\\\/\\\/www.beyondfinance.com\\\/blog\\\/understanding-financial-trauma-with-a-financial-therapist\\\/#faq-question-1782150470582\",\"name\":\"Can financial trauma be passed down through families?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes \u2014 and the research supports this. A 2025 study found that financial PTSD can be hereditary, transmitted intergenerationally through both learned behavior and what researchers describe as the \\\"emotional DNA\\\" of financial experiences. Children raised in financially anxious or economically unstable households absorb money beliefs, emotional responses, and behavioral patterns that can persist into adulthood and get passed to subsequent generations \u2014 even when the original financial circumstances no longer apply. This is one reason examining your family's financial history is part of effective financial trauma treatment.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/www.beyondfinance.com\\\/blog\\\/understanding-financial-trauma-with-a-financial-therapist\\\/#faq-question-1782150484962\",\"position\":4,\"url\":\"https:\\\/\\\/www.beyondfinance.com\\\/blog\\\/understanding-financial-trauma-with-a-financial-therapist\\\/#faq-question-1782150484962\",\"name\":\"Is financial trauma the same as PTSD?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"The symptoms are clinically similar \u2014 and financial trauma is sometimes referred to as financial PTSD in research and clinical contexts. Both involve a nervous system that has been conditioned to treat certain stimuli as threatening, producing fight-or-flight responses that interfere with clear thinking and healthy behavior. The key difference is that financial trauma doesn't currently appear as a standalone diagnosis in the DSM, which means it often goes untreated or undertreated in standard clinical settings. A financial therapist \u2014 someone trained at the intersection of financial planning and mental health \u2014 is typically better equipped to treat financial trauma than either a traditional therapist or a financial advisor working alone.\",\"inLanguage\":\"en-US\"},\"inLanguage\":\"en-US\"},{\"@type\":\"Question\",\"@id\":\"https:\\\/\\\/www.beyondfinance.com\\\/blog\\\/understanding-financial-trauma-with-a-financial-therapist\\\/#faq-question-1782150498138\",\"position\":5,\"url\":\"https:\\\/\\\/www.beyondfinance.com\\\/blog\\\/understanding-financial-trauma-with-a-financial-therapist\\\/#faq-question-1782150498138\",\"name\":\"How is financial trauma different from just being bad with money?\",\"answerCount\":1,\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Financial trauma is a nervous system condition, not a character trait. Being \\\"bad with money\\\" is a cultural narrative that attributes financial struggle to personal failure \u2014 poor discipline, bad decisions, insufficient <strong>How do you heal from financial trauma?<\\\/strong> Healing from financial trauma requires addressing both the emotional and the practical dimensions simultaneously. Effective treatment typically involves nervous system regulation (learning to manage the physiological stress response before attempting financial tasks), trauma-informed therapeutic support (processing the underlying experiences that created the trauma response), and practical financial skill-building (in an emotionally supportive context where the prefrontal cortex is actually accessible).<a href=\\\"https:\\\/\\\/www.mindmoneybalance.com\\\/blogandvideos\\\/understanding-financial-money-trauma\\\"> Research on post-traumatic growth<\\\/a> suggests that people who heal from trauma don't just return to baseline \u2014 they often develop expanded resilience and a deeper sense of meaning. 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A Financial Therapist Explains"}]},{"@type":"WebSite","@id":"https:\/\/www.beyondfinance.com\/blog\/#website","url":"https:\/\/www.beyondfinance.com\/blog\/","name":"Beyond Finance","description":"Moving Beyond Debt","publisher":{"@id":"https:\/\/www.beyondfinance.com\/blog\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.beyondfinance.com\/blog\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.beyondfinance.com\/blog\/#organization","name":"Beyond Finance Blog","url":"https:\/\/www.beyondfinance.com\/blog\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.beyondfinance.com\/blog\/#\/schema\/logo\/image\/","url":"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2021\/07\/logo-a5030ff7f0cc0e8b6e87107311dd1205.png","contentUrl":"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2021\/07\/logo-a5030ff7f0cc0e8b6e87107311dd1205.png","width":105,"height":27,"caption":"Beyond Finance Blog"},"image":{"@id":"https:\/\/www.beyondfinance.com\/blog\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/www.beyondfinance.com\/blog\/#\/schema\/person\/0f85f7a6b6acc526d8d54dbb3d490b39","name":"Nathan Astle","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/57437f51b42757b5e8f95be96da8b76483a8afad8d68ec5135f2aeec1bc19aae?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/57437f51b42757b5e8f95be96da8b76483a8afad8d68ec5135f2aeec1bc19aae?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/57437f51b42757b5e8f95be96da8b76483a8afad8d68ec5135f2aeec1bc19aae?s=96&d=mm&r=g","caption":"Nathan Astle"},"description":"Nathan Astle, CFT-\u2122 Client Financial Therapist, Beyond Finance Nathan Astle is a Certified Financial Therapist\u2122 specializing in couples' financial conflict and financial trauma. As Financial Therapy Consultant at Beyond Finance, he leads weekly financial wellness sessions with clients and brings a rare dual credential in mental health and financial therapy to his work. He is the founder of the Financial Therapy Clinical Institute and writes a monthly column for Psychology Today entitled \"The Psychology of Debt.\" His expertise has been featured in the New York Times, Wall Street Journal, CNBC, and USA Today.","url":"https:\/\/www.beyondfinance.com\/blog\/author\/nastle\/"},{"@type":"Question","@id":"https:\/\/www.beyondfinance.com\/blog\/understanding-financial-trauma-with-a-financial-therapist\/#faq-question-1782150412222","position":1,"url":"https:\/\/www.beyondfinance.com\/blog\/understanding-financial-trauma-with-a-financial-therapist\/#faq-question-1782150412222","name":"What is financial trauma?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Financial trauma is a lasting psychological response to money-related experiences \u2014 either a single acute event or a prolonged period of financial hardship \u2014 that produces symptoms similar to clinical PTSD: hypervigilance, avoidance, panic responses, intrusive thoughts, and impaired financial decision-making. Unlike ordinary financial stress, which responds to the current situation, financial trauma reflects the nervous system's response to past experiences. Research defines it as a cluster of physiological, psychological, and emotional responses to events involving actual or threatened financial harm. It is not currently a formal DSM diagnosis, but its symptoms are clinically recognized and treatable.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.beyondfinance.com\/blog\/understanding-financial-trauma-with-a-financial-therapist\/#faq-question-1782150456956","position":2,"url":"https:\/\/www.beyondfinance.com\/blog\/understanding-financial-trauma-with-a-financial-therapist\/#faq-question-1782150456956","name":"What are the symptoms of financial trauma?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Financial trauma symptoms span physical, psychological, behavioral, and relational domains. Physical symptoms include headaches, stomach problems, insomnia, muscle tension, and appetite changes. Psychological and behavioral symptoms include hypervigilance around money, avoidance of financial tasks, panic responses to financial information, trouble concentrating, dissociation, compulsive spending or underspending, depression, and anxiety. Relationally, financial trauma often produces secrecy, conflict, and difficulty with financial transparency in partnerships. A useful indicator: if your body's response to a financial situation is disproportionate to the actual level of threat it presents, that's a signal worth paying attention to.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.beyondfinance.com\/blog\/understanding-financial-trauma-with-a-financial-therapist\/#faq-question-1782150470582","position":3,"url":"https:\/\/www.beyondfinance.com\/blog\/understanding-financial-trauma-with-a-financial-therapist\/#faq-question-1782150470582","name":"Can financial trauma be passed down through families?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Yes \u2014 and the research supports this. A 2025 study found that financial PTSD can be hereditary, transmitted intergenerationally through both learned behavior and what researchers describe as the \"emotional DNA\" of financial experiences. Children raised in financially anxious or economically unstable households absorb money beliefs, emotional responses, and behavioral patterns that can persist into adulthood and get passed to subsequent generations \u2014 even when the original financial circumstances no longer apply. This is one reason examining your family's financial history is part of effective financial trauma treatment.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.beyondfinance.com\/blog\/understanding-financial-trauma-with-a-financial-therapist\/#faq-question-1782150484962","position":4,"url":"https:\/\/www.beyondfinance.com\/blog\/understanding-financial-trauma-with-a-financial-therapist\/#faq-question-1782150484962","name":"Is financial trauma the same as PTSD?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"The symptoms are clinically similar \u2014 and financial trauma is sometimes referred to as financial PTSD in research and clinical contexts. Both involve a nervous system that has been conditioned to treat certain stimuli as threatening, producing fight-or-flight responses that interfere with clear thinking and healthy behavior. The key difference is that financial trauma doesn't currently appear as a standalone diagnosis in the DSM, which means it often goes untreated or undertreated in standard clinical settings. A financial therapist \u2014 someone trained at the intersection of financial planning and mental health \u2014 is typically better equipped to treat financial trauma than either a traditional therapist or a financial advisor working alone.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.beyondfinance.com\/blog\/understanding-financial-trauma-with-a-financial-therapist\/#faq-question-1782150498138","position":5,"url":"https:\/\/www.beyondfinance.com\/blog\/understanding-financial-trauma-with-a-financial-therapist\/#faq-question-1782150498138","name":"How is financial trauma different from just being bad with money?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Financial trauma is a nervous system condition, not a character trait. Being \"bad with money\" is a cultural narrative that attributes financial struggle to personal failure \u2014 poor discipline, bad decisions, insufficient <strong>How do you heal from financial trauma?<\/strong> Healing from financial trauma requires addressing both the emotional and the practical dimensions simultaneously. Effective treatment typically involves nervous system regulation (learning to manage the physiological stress response before attempting financial tasks), trauma-informed therapeutic support (processing the underlying experiences that created the trauma response), and practical financial skill-building (in an emotionally supportive context where the prefrontal cortex is actually accessible).<a href=\"https:\/\/www.mindmoneybalance.com\/blogandvideos\/understanding-financial-money-trauma\"> Research on post-traumatic growth<\/a> suggests that people who heal from trauma don't just return to baseline \u2014 they often develop expanded resilience and a deeper sense of meaning. Recovery is not just possible; with the right support, it is predictable.","inLanguage":"en-US"},"inLanguage":"en-US"},{"@type":"Question","@id":"https:\/\/www.beyondfinance.com\/blog\/understanding-financial-trauma-with-a-financial-therapist\/#faq-question-1782150511499","position":6,"url":"https:\/\/www.beyondfinance.com\/blog\/understanding-financial-trauma-with-a-financial-therapist\/#faq-question-1782150511499","name":"How is financial trauma different from just being bad with money?","answerCount":1,"acceptedAnswer":{"@type":"Answer","text":"Financial trauma is a nervous system condition, not a character trait. Being \"bad with money\" is a cultural narrative that attributes financial struggle to personal failure \u2014 poor discipline, bad decisions, insufficient effort. Financial trauma recognizes that financial behavior is shaped by emotional experiences, family history, neurological responses to threat, and systemic factors well beyond individual control. Someone experiencing financial trauma may have excellent financial knowledge and still be unable to act on it consistently \u2014 because their nervous system regularly takes their prefrontal cortex offline in financial situations. The intervention for financial trauma is not more financial education. It is emotional and neurological healing, supported by practical financial guidance.","inLanguage":"en-US"},"inLanguage":"en-US"}]}},"taxonomy_info":{"category":[{"value":168,"label":"Managing Financial Stress &amp; Trauma"},{"value":1,"label":"Uncategorized"}]},"featured_image_src_large":["https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2023\/06\/Financial-Trauma-Header-Image2.jpg",776,437,false],"author_info":{"display_name":"Nathan Astle","author_link":"https:\/\/www.beyondfinance.com\/blog\/author\/nastle\/"},"comment_info":0,"category_info":[{"term_id":168,"name":"Managing Financial Stress &amp; Trauma","slug":"managing-financial-stress-trauma","term_group":0,"term_taxonomy_id":168,"taxonomy":"category","description":"","parent":0,"count":16,"filter":"raw","cat_ID":168,"category_count":16,"category_description":"","cat_name":"Managing Financial Stress &amp; Trauma","category_nicename":"managing-financial-stress-trauma","category_parent":0},{"term_id":1,"name":"Uncategorized","slug":"uncategorized","term_group":0,"term_taxonomy_id":1,"taxonomy":"category","description":"","parent":0,"count":56,"filter":"raw","cat_ID":1,"category_count":56,"category_description":"","cat_name":"Uncategorized","category_nicename":"uncategorized","category_parent":0}],"tag_info":false,"jetpack_featured_media_url":"https:\/\/www.beyondfinance.com\/blog\/wp-content\/uploads\/2023\/06\/Financial-Trauma-Header-Image2.jpg","_links":{"self":[{"href":"https:\/\/www.beyondfinance.com\/blog\/wp-json\/wp\/v2\/posts\/4086","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.beyondfinance.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.beyondfinance.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.beyondfinance.com\/blog\/wp-json\/wp\/v2\/users\/16"}],"replies":[{"embeddable":true,"href":"https:\/\/www.beyondfinance.com\/blog\/wp-json\/wp\/v2\/comments?post=4086"}],"version-history":[{"count":0,"href":"https:\/\/www.beyondfinance.com\/blog\/wp-json\/wp\/v2\/posts\/4086\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.beyondfinance.com\/blog\/wp-json\/wp\/v2\/media\/4103"}],"wp:attachment":[{"href":"https:\/\/www.beyondfinance.com\/blog\/wp-json\/wp\/v2\/media?parent=4086"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.beyondfinance.com\/blog\/wp-json\/wp\/v2\/categories?post=4086"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.beyondfinance.com\/blog\/wp-json\/wp\/v2\/tags?post=4086"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}