S T R E SS I N A M E R I C A
™
RELEASED FEBRUARY 4, 2015
Paying With Our Health
Stress in America™: Paying With Our Health was developed, reviewed and produced by the
following team of experts:
AMERICAN PSYCHOLOGICAL ASSOCIATION
Norman B. Anderson, PhD, Chief Executive Officer and Executive Vice President
Cynthia D. Belar, PhD, Former Executive Director, Education
Steven J. Breckler, PhD, Former Executive Director, Science
Katherine C. Nordal, PhD, Executive Director for Professional Practice
David W. Ballard, PsyD, MBA, Assistant Executive Director for Organizational Excellence
Lynn F. Bufka, PhD, Assistant Executive Director, Practice Research and Policy, Practice
Luana Bossolo, Assistant Executive Director, Public Relations, Practice
Sophie Bethune, Director, Public Relations and Special Projects, Practice
Angel Brownawell, Integrated Media Manager, Practice
Katelynn Wiggins, Public Relations Associate, Practice
CONSULTANTS
Linda C. Gallo, PhD, San Diego State University
HARRIS POLL
Michele Salomon, Director, Project Development
Aimee Vella Ripley, Manager, Project Development
Nira Colonero, Senior Research Analyst
VANGUARD COMMUNICATIONS
Brenda Foster, Vice President of Account Services
Crystal Borde, Senior Account Supervisor
Brandi Horton, Associate Director of Innovation
Kiran Bammarito, Assistant Account Executive
Scott Rieder, Senior Account Executive
About the Stress in America™ Survey
Since 2007, the American Psychological Association has commissioned an annual
nationwide survey as part of its Mind/Body Health campaign to examine the state
of stress across the country and understand its impact. The Stress in America
™
survey measures attitudes and perceptions of stress among the general public
and identifies leading sources of stress, common behaviors used to manage stress
and the impact of stress on our lives. The results of the survey draw attention to
the serious physical and emotional implications of stress and the inextricable link
between the mind and body.
For a Healthy Mind and Body, Talk to a Psychologist
APA’s Mind/Body Health campaign educates the public about the connection
between psychological and physical health and how lifestyle and behaviors can
affect overall health and wellness. This multifaceted social marketing campaign
addresses resilience and the mind-body connection through the Internet, social
media, strategic partnerships and a nationwide grassroots network of psychologists
offering free educational programs in local communities.
About the American Psychological Association
The American Psychological Association, in Washington, D.C., is the largest scientific
and professional organization representing psychology in the United States. APA’s
membership includes nearly 130,000 researchers, educators, clinicians, consultants
and students. Through its divisions in 54 subfields of psychology and affiliations
with 60 state, territorial and Canadian provincial associations, APA works to
advance the creation, communication and application of psychological knowledge
to benefit society and improve people’s lives.
METHODOLOGY
1
PAYING WITH OUR HEALTH 2
Feeling Financial Pressure
2
Struggling to Get By
3
A Stressful Reality for Parents and Younger Generations
5
Worrying More About Money
6
Seeking Emotional Support
7
STRESS SNAPSHOT 9
Stress Trending Downward, But Health
9
and Wellness Still Out of Reach
Stress Gap Widening Between Genders
11
Younger Generations Continue to Struggle
12
With Managing Stress
Parents More Stressed Than Other Adults
13
Across the Country, Americans Report
14
Similar Stress Experiences
APPENDIX: Guidelines for Reading Questions 15
and Interpreting Data
RELEASED FEBRUARY 4, 2015
S T R E SS I N A M E R I C A
™
Paying With Our Health
The Stress in America
™
survey was conducted online within the United States by Harris
Poll on behalf of the American Psychological Association (APA) between August
4 and 29, 2014, among 3,068 adults ages 18+ who reside in the U.S. Results were
weighted as needed for age, sex, race/ethnicity, education, region and household
income. Propensity score weighting also was used to adjust for respondents’
propensity to be online.
Throughout this report, different segments of adults are discussed. Adults’ (n=3068
total) demographic subgroups include gender (men: n=1204; women: n=1864);
generation (Millennials [18 to 35 years old]: n=720; Gen Xers [36 to 49 years old]:
n=548; Baby Boomers [50 to 68 years old]: n=1324; and Matures [69 years or older]:
n=476); income (<$50K: n=1499; >$50K: n=1379); region (East: n=670; Midwest: n=776;
West: n=637; South: n=984); and emotional support (yes: n=2042; no: n=649). In
addition, the sample size of parents with a child under 18 in the household was 569.
All sample surveys and polls, whether or not they use probability sampling, are
subject to multiple sources of error, which are most often not possible to quantify
or estimate, including sampling error, coverage error, error associated with
nonresponse, error associated with question wording and response options, and
post-survey weighting and adjustments. Therefore, Harris Poll avoids the words
“margin of error,” as they are misleading. All that can be calculated are different
possible sampling errors with different probabilities for pure, unweighted, random
samples with 100 percent response rates. These are only theoretical because no
published polls come close to this ideal.
Respondents for this survey were selected from among those who have agreed
to participate in Harris Poll surveys. The data have been weighted to reflect the
composition of the U.S. population ages 18+. Because the sample is based on those
who were invited and agreed to participate in the Harris Poll online research panel,
no estimates of theoretical sampling error can be calculated.
In order to determine whether there were statistically significant differences in how
various subgroups changed in perceptions over time, Multiple Linear Regression was
used to relate the following constructs to the overall stress rating (Q605): (1) time
(eight waves over eight years); (2) main effect of the subgroup in question; and (3)
interaction between subgroups and time. This analysis was conducted separately to
make comparisons by gender, income and age. Significance of items (1), (2) and (3)
above was determined by p-values smaller than .05. All values were smaller. All values
but one (main effect for Gen Xers) were less than .01.
METHODOLOGY
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Even though aspects of the U.S. economy continue to improve, some Americans are
squeezed by sharp increases in health care costs and the cost of living.
1,2
This year’s Stress
in America™ survey shows that stress about money and finances is prevalent nationwide.
In fact, regardless of the economic climate, money has consistently topped Americans’
list of stressors since the first Stress in America™ survey in 2007.
Overall, Americans seem to be doing fairly well — average
stress levels are trending downward (4.9 in 2014 vs. 6.2
in 2007 on a 10-point scale, where 1 is “little or no stress”
and 10 is “a great deal of stress”) and people generally
say they are in good health (80 percent say their health is
excellent, very good or good). But it seems that parents,
younger generations and those living in lower-income
households (making less than $50,000 per year) have a
different experience — they report higher levels of stress
than Americans overall, especially when it comes to money,
and those who have particularly high stress about money
are more likely to say they engage in unhealthy behaviors
to manage their stress.
3,4
Women, who consistently report
high levels of overall stress and unhealthy behaviors to
manage stress, also report high levels of stress about money.
What’s more, the gap between the percentage of those who
appear to be doing well when it comes to managing their
stress and the percentage of those who are not is growing.
5
These findings stand against a backdrop of research that
shows the profound effects of stress on health status and
longevity.
6
Research also shows that financial struggles strain
individuals’ cognitive abilities, which could lead to poor
decision-making and may perpetuate their unfavorable
financial and health situations.
7
But there is good news.
Survey findings show that those feeling the weight of
money-related stress are able to cope and manage their
stress in healthier ways when they say they have emotional
support.
8
FEELING FINANCIAL PRESSURE
Stress about money and finances appears to have a
significant impact on Americans’ lives. Nearly three-
quarters (72 percent) of adults report feeling stressed
about money at least some of the time and nearly one-
quarter say that they experience extreme stress about
money (22 percent rate their stress about money during
the past month as an 8, 9 or 10 on a 10-point scale). In
some cases, people are even putting their health care
needs on hold because of financial concerns.
1
Bureau of Economic Analysis, U.S. Department of Commerce. (2014, October 30). Gross domestic product: Third quarter 2014 (advance estimate) [Press release]. Retrieved from http://www.bea.gov/newsreleases/
national/gdp/2014/pdf/gdp3q14_adv.pdf
2
Knutson, R., & Francis, T. (2014, December 1). Basic costs squeeze families. The Wall Street Journal. Retrieved from http://www.wsj.com/articles/americans-reallocate-their-dollars-1417476499
3
Income <$50K n=1499; >=$50K n=1379. $51,939 is the median U.S. household income according to the 2013 Census. DeNavas-Walt, C., & Proctor, B. D. (September 2014). Income and poverty in the United States: 2013.
Retrieved from http://www.census.gov/content/dam/Census/library/publications/2014/demo/p60-249.pdf
4
Adults with children under 18 living at home n=569; Adults without children under 18 living at home n=2499; Millennials 18 – 35 n=720; Gen Xers 36 – 49 n=548; Boomers 50 – 68 n=1324; Matures 69+ n=476.
5
Multiple Linear Regression was used in order to determine whether there were significant differences in how various subgroups changed in perceptions over time.
Read the full Methodology here.
6
Schneiderman, N., Ironson, G., & Siegel, S. D. (April 2005). Stress and health: Psychological, behavioral, and biological determinants. Annual Review of Clinical Psychology, 1, 607–628.
7
Mani, A., Mullainathan, S., Shafir, E., & Zhao, J. (2013, August 30). Poverty impedes cognitive function. Science, 341(6149), 976–980. Retrieved from http://www.sciencemag.org/content/341/6149/976
8
Q702 Is there someone you can ask for emotional support if you need it, such as talking over problems or helping you make a difficult decision?
PAYING WITH OUR HEALTH
<
TOP 4 SOURCES OF STRESS
40%
50%
60%
70%
80%
Money
Work (if employed)
Family responsibilities
Health concerns
*
2009
2008
2007
2010
2011
2012
2013
2014
BASE: ALL QUALIFIED RESPONDENTS 2007 (n=1848); 2008
(n=1791); 2009 (n=1568); 2010 (n=1134); 2011 (n=1226);
2012 (n=2020); 2013 (n=1950); 2014 (n=3068)
Q625 Below is a list of things people say cause stress in their
lives. For each one, please indicate how significant a source of
stress it is in your life.
*In 2007, this option was presented to respondents as “personal
health concerns.”
Money tops charts of significant
sources of stress
72%
71%
76%
75%
69%
71%
64%
68%
69%
70%
70%
65%
69%
60%
58%
55%
58%
57%
57%
55%
47%
54%
47%
52%
53%
51%
52%
46%
REPORT FEELING STRESSED ABOUT
MONEY AT LEAST SOME OF THE TIME
72
%
(NEARLY 3/4)
of Adults
73%
74%
60%
55%
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WWW.STRESSINAMERICA.ORG
NEARLY
1 in 5
AMERICANS
SAY THAT THEY HAVE EITHER
CONSIDERED SKIPPING OR SKIPPED
GOING TO THE DOCTOR IN THE PAST YEAR WHEN
THEY NEEDED HEALTH CARE BECAUSE OF
FINANCIAL CONCERNS.
More than one-quarter of adults (26 percent) report feeling
stressed about money most or all of the time.
More than half of adults (54 percent) say they have “just
enough” or not enough money to make ends meet at the
end of the month.
Most adults say their level of stress about money has
remained the same (59 percent) or increased (29 percent) in
the past year.
Significant sources of money-related stress reported by
Americans include paying for unexpected expenses (54
percent said very or somewhat significant), paying for
essentials (44 percent said very or somewhat significant)
and saving for retirement (44 percent said very or somewhat
significant).
Over the past year, the majority of Americans have taken
steps to live more economically by shopping during sales
or using coupons (53 percent), cooking more at home (52
percent) and cutting back on non-essentials (51 percent).
Nearly one-third of Americans (32 percent) say that their
finances or lack of money prevent them from living a healthy
lifestyle.
One in five Americans say that they have either considered
skipping (9 percent) or skipped (12 percent) going to the
doctor in the past year when they needed health care
because of financial concerns.
Regardless of the role money plays in creating stress for the
majority of Americans, people appear to have a positive
attitude about finances: 80 percent say they have confidence
in their ability to manage their money and 71 percent say
they have a healthy relationship with money. At the same
time, 71 percent say that having more money would make
them happier and more than one-third say that money
makes them tense (38 percent). These findings underscore
the complexity of the relationship that many Americans have
with money.
STRUGGLING TO GET BY
The United States is the world’s richest country, with a
gross domestic product nearly double that of the runner-
up, yet our economic inequality is among the highest
in the world.
9,10
The Great Recession may have officially
ended, but most American households face stagnant
wages and increasing debt — many Americans are actually
considered to be poorer than they were a decade ago.
11,12,13
9
International Monetary Fund. (October 2014). Report for Selected Countries and Subjects. Filtered for United States and China in U.S. dollars. Retrieved from http://www.imf.org/external/pubs/ft/weo/2014/02/
weodata/index.aspx
10
OECD. (n.d.). Income inequality. Retrieved from http://data.oecd.org/inequality/income-inequality.htm
11
Saez, E. (2013, September 3). Striking it richer:
The evolution of top incomes in the United States (updated with 2012 preliminary estimates). Retrieved from http://eml.berkeley.edu/~saez/saez-UStopincomes-2012.pdf
12
Federal Reserve Bank of New York. (February 2014). Household Debt and Credit Report. Retrieved from http://www.newyorkfed.org/microeconomics/hhdc.html#/2014/q3
13
Joint Center for Housing Studies of Harvard University. Tabulations of U.S. Census Bureau. Current Population Survey Data.
Stayed the same
59%
Decreased
12%
Increased
29%
<
STRESS ABOUT MONEY
BASE: ALL QUALIFIED RESPONDENTS (n=3068)
Q6011 Thinking about the past year, would you say your level of stress about
money has increased, decreased or has it stayed about the same?
Stress about money is mostly
staying the same or increasing
PAYING WITH OUR HEALTH
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PAYING WITH OUR HEALTH
It also appears that the gap between the “haves” and the
“have nots” is widening. In 2007, average reported stress
levels were the same regardless of income, but now, those
living in lower-income households report higher overall
stress levels than those living in higher-income households
(5.2 vs. 4.7 on a 10-point scale).
For adults living in lower-income households, financial
concerns are a common source of stress.
Adults in lower-income households are twice as likely as those
in higher-income households to say they feel stress about
money all or most of the time (36 percent vs. 18 percent).
Many lower-income Americans barely scrape by each
month. Thirty percent of adults in lower-income households
report that at the end of the month, they don’t have enough
money to make ends meet, compared with 11 percent of
adults in higher-income households.
Forty-four percent of lower-income Americans say paying
for out-of-pocket health care costs is a very or somewhat
significant source of stress (compared with 34 percent
of higher-income Americans). For those lower-income
Americans who have out-of-pocket health care costs,
31 percent say they have difficulty paying for these costs
(compared with 14 percent of higher-income Americans
with out-of-pocket health care costs).
Survey results suggest that for those living in lower-
income households, both finances and stress about
money stand in the way of a healthy lifestyle.
Those living in lower-income households are almost twice as
likely (45 percent) as those in higher-income households (24
percent) to say that their financial situation or lack of money
prevents them from living a healthy lifestyle.
Nearly three in 10 lower-income Americans have either
considered skipping (9 percent) or actually skipped (20
percent) necessary doctors’ visits due to their finances.
More people with lower reported income say that they have
felt a sense of loneliness and isolation in the past month due
to stress (29 percent vs. 21 percent of people with higher
reported income).
Those living in lower-income households who also say their
stress about money is extreme (8, 9 or 10 on a 10-point
scale) are more likely than those living in lower-income
households reporting low stress about money (1, 2 or
3 on a 10-point scale) to say they engage in sedentary
or unhealthy behaviors to manage their stress, such as
watching television/movies for more than two hours per day
(55 percent vs. 34 percent), surfing the Internet (58 percent
vs. 27 percent), napping/sleeping (42 percent vs. 20 percent),
eating (38 percent vs. 15 percent), drinking alcohol (20
percent vs. 7 percent) or smoking (25 percent vs. 6 percent).
2008
2007
2009
2010
2011
2012
2013
2014
Household income <$50K
Household income ≥$50K
4
5
6
7
STRESS LEVEL
6.2
6.0
5.6
5.5
5.1
4.8
5.0
4.7
6.2
6.0
5.4
5.4
5.3
5.1
5.4
5.2
<
STRESS LEVELS BETWEEN
LOWER-INCOME AND
HIGHER-INCOME HOUSEHOLDS
Gap in stress levels between lower-income
and higher-income households is growing
BASE: ALL QUALIFIED RESPONDENTS 2007 (Under $50K n=709;
≥$50K n=852); 2008 (Under $50K n=766 ; ≥$50K n=778); 2009
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