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Financial stress can have a major impact on mental well-being in a variety of ways. It can cause feelings of anxiety, depression, and fear. It can also lead to feelings of guilt, shame, and hopelessness. On top of this, financial stress can also lead to decreased concentration, difficulty sleeping, and increased irritability. All of these can lead to long-term mental health issues such as chronic stress, depression, and other mental health disorders. Financial stress can also lead to physical health problems such as heart disease and high blood pressure. All of these can have a serious effect on mental well-being and should be addressed with the help of a professional.