2 Highly Recommended NYC Therapists for Financial Stress

Therapy for financial stress

Financial stress can feel constant in a city like New York—between student loans, rising costs, and the pressure to stay afloat. At New York City Psychotherapy Collective, our therapists help you understand your money anxiety, shift unhelpful patterns, and build practical tools so finances feel more manageable and less overwhelming in your day-to-day life.

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  • Best for financial therapy for recent grads: Remi Reich

  • Best for financial therapy for high-pressure careers & burnout: Maggie McCarthy

Meet our financial stress counselors

financial therapist nyc

Remi Reich

Best for recent grads navigating career and financial transitions

Remi works with college-aged women and recent grads who are navigating early career choices, student debt, and trying to make New York feel affordable. In a collaborative, practical space, she helps you build confidence, explore what really matters to you, and create coping tools to ease financial anxiety and transition into adult life with more ease.

  • Credentials: Licensed Master Social Worker

  • Location: New York, NY 10010

  • Virtual therapy? Yes

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financial psychologists in new york

Maggie McCarthy

Best for financial therapy for high-pressure careers & burnout

Maggie supports women and LGBTQ+ adults whose financial stress is affecting their relationships or how they see themselves. Through mindfulness, CBT, and somatic work, she helps you spot how money worry shows up in your life, challenge self-criticism and unhelpful thoughts, and build healthier ways of relating to work and productivity.

  • Credentials: Licensed Master Social Worker

  • Location: New York, NY 10010

  • Virtual therapy? Yes

Read Bio

What sets our practice apart from other NYC financial stress therapy providers

Working with a financial therapist NYC clients trust means finding someone who understands the emotional and practical realities of living in New York. Our therapists combine strong clinical training with a real understanding of city life, and we prioritize finding the right therapist fit from the start.

  • A diverse, experienced team: Our therapists represent different backgrounds, identities, languages, and generations, helping clients feel understood and supported.

  • Practical, results-oriented care: Sessions balance insight with concrete tools so progress feels meaningful and sustainable.

  • Evidence-based and culturally responsive: We use approaches like psychodynamic therapy and CBT, tailored through an intersectional, feminist, and anti-racist lens.

  • Personalized care that accepts insurance: Clients receive individualized, high-quality therapy while using Aetna or out-of-network benefits.

  • Flexible scheduling: Appointments are available seven days a week, including evenings.

  • Strong clinical oversight: All therapists receive close supervision to ensure consistent, high-quality care.

We believe therapy should be both deeply supportive and genuinely effective. That's why we've created a practice where connection, expertise, and measurable change come together.

Common reasons why people seek therapy for financial stress

  • Lying awake at night, running numbers, or imagining worst-case scenarios

  • Panic or dread when checking bank accounts or credit card statements.

  • Shame or self-criticism around debt or financial status.

  • Ongoing anxiety about career choices and financial security.

  • Avoiding bills, budgeting, or planning because it feels overwhelming.

  • Relationship tension related to spending, saving, or financial imbalance.

  • Feeling stuck in a job you don’t enjoy because of financial pressure.

  • Physical symptoms like sleep issues, headaches, or chronic tension linked to money stress.

What to expect from the therapy process

  • Step 1. Understanding your relationship with money

    We’ll look at how your history, family messages, and current circumstances shape your beliefs about money. This helps us understand patterns and why certain situations feel so activating.

  • Step 2. Developing practical coping strategies

    You’ll learn evidence-based tools to manage both the emotional and physical symptoms of financial stress—from grounding techniques to skills that help challenge catastrophic or self-critical thoughts.

  • Step 3. Creating an action plan

    Together, we’ll outline realistic, doable steps that support your financial needs while also addressing the anxiety, doubt, or avoidance that may be getting in the way.

  • Step 4. Building long-term resilience

    Over time, you’ll develop a more grounded relationship with money, set healthier boundaries around financial pressure, and feel more confident navigating challenges without becoming overwhelmed.

FAQs about therapy for financial stress

  • Financial stress doesn’t disappear overnight, but understanding your patterns, learning grounding tools, and building healthier habits around money can make it far more manageable. Therapy helps you respond to stress from a steadier, more confident place rather than from panic or avoidance.

  • Yes. While financial therapy doesn’t replace financial planning, it can ease the anxiety, shame, and overwhelm that often make money issues feel unmanageable. A therapist can help you explore what’s fueling the stress, shift unhelpful beliefs, and develop skills that make financial decisions feel less daunting.

  • Overthinking is usually a sign that your nervous system is on high alert. Therapy can help you interrupt that spiral, challenge catastrophic thinking, and build coping strategies that keep you grounded. With practice, money becomes something you can approach thoughtfully—not something that consumes your mental space.

  • Financial stress can contribute to anxiety, depression, sleep issues, and physical symptoms when it becomes chronic. It doesn’t mean there’s something wrong with you—it means you're under real pressure. Therapy offers support, perspective, and tools to help reduce the emotional toll.

  • You can begin by scheduling a free consultation call. This gives you a chance to talk through what’s going on, ask questions about the process, and get matched with a therapist who feels like the right fit for your needs.

Start working with a NYC financial stress therapist today

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