Financial Strain Unleashes Long-Term Health Risks

Financial strain goes beyond mental health, as a pioneering study from the United Kingdom reveals its far-reaching impact on key health markers. Researchers from University College London (UCL) and Kings College conducted a nationally representative study involving nearly 5,000 adults aged 50 and above. Their findings expose the long-term consequences of various chronic stressors, with financial strain emerging as the most influential factor.


The study delved into six common stressors, including financial stress, care giving, disability, bereavement, illness, and divorce. By analyzing four crucial biomarkers in the blood—cortisol, C-reactive protein (CRP), fibrinogen, and insulin-growth factor-1 (IGF-1)—linked to stress, inflammation, and aging, the researchers unravelled the intricate relationship between stress and health.

Financial strain stood out as the most detrimental stressor, predicting the riskiest health profiles over the long term. Participants reporting general stress were 61 percent more likely to fall into the high-risk category at a four-year follow-up. Remarkably, those stressed by finances alone faced a nearly 60 percent higher likelihood of exhibiting a high-risk profile after four years. With each additional stressor, such as divorce, the probability increased by 19 percent.


Crucially, these associations held significance irrespective of genetics, socioeconomics, age, sex, or lifestyle factors. The study emphasized the profound impact of financial stress on biological health, suggesting its pervasive influence across various aspects of life, including family conflicts, social exclusion, hunger, or homelessness.

Epidemiologist Odessa Hamilton from UCL highlighted the need for more research to establish the specific mechanisms behind financial stress’s pronounced effect. She noted, “This may be because this form of stress can invade many aspects of our lives, leading to family conflict, social exclusion, and even hunger or homelessness.”


While the study doesn’t definitively establish a direct causal link between stress and long-term health issues, it underscores the significant impact of stress on the aging body. Chronic stress triggers hormonal changes, increases in breathing, blood pressure, and heart rate, and prompts the immune system to produce more pro-inflammatory molecules.

“When the immune and neuroendocrine systems function well together, homeostasis is maintained and health is preserved,” explained Hamilton. “But chronic stress can disrupt this biological exchange and lead to disease.”


Financial stress, bereavement, and longstanding illness exhibited the most significant long-term changes in immune and neuroendocrine biomarkers. The study suggests that intervening in these processes could potentially alter the course of disease. However, researchers caution that the four biomarkers have limitations in providing a comprehensive understanding of human health.

While alcohol consumption above three drinks a week was associated with a lower risk profile, researchers urge caution in interpreting this finding. The study’s majority participants were White, limiting the generalization of findings across diverse ethnic groups.


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