A new survey by Opinium has uncovered the financial fears that keep Britons awake at night. From pensions to property, the research highlights a widespread lack of money confidence that is taking a toll on mental health.
Clare Francis, director of savings and investments at Barclays, said: 'There's a close connection between money confidence and mental wellbeing. People who don't feel in control of their finances are far more likely to experience financial difficulty, which can take a real and lasting toll on their mental health.'
The survey found that 27% of adults have faced financial issues or avoided financial tasks due to lack of confidence with numbers. Many people procrastinate on pension planning, shove unopened bills into drawers, or feel anxious about their bank balance.
One respondent, Desiree, a 37-year-old business owner from London, said: 'As a freelancer, 2025 was my most difficult year yet due to inflation, AI changes and client uncertainty. Income fluctuations are normal, but the pressure to appear successful makes people less likely to be honest about them.'
Another respondent, Simon, 47, from Reading, saves £2,880 annually into his daughters' pensions, despite them being only 13 and 14. He said: 'Many avoid talking about pensions because it feels morbid, but I want my girls to have financial security in retirement.'
Matilda, 26, an actor and fitness instructor in London, said: 'I feel lots of pressure to get on the property ladder, but the market feels terrifying and inaccessible. The cost of living and stagnant wages make saving feel impossible.'
