Most of us carry a lifetime of emotions, habits, and beliefs about money, and many of those patterns were formed long before we earned our first paycheck. The financial lessons we learned in childhood often become our internal “operating system,” shaping how we think, feel, and behave with money¹. Sometimes those early habits still serve us well in adulthood; but other times, they can hold us back or conflict with our current values and goals.

At The Ohio State University Employee Assistance Program (EAP), we frequently hear about financial stress during counseling sessions. Financial stress isn’t just about money, it’s the emotional strain that can impact your focus, relationships, mood, and overall sense of security².

But just like any other aspect of wellness, financial wellness can be cultivated and strengthened. Even if you weren’t taught how to budget, save, invest, or manage debt, it’s never too late to start. Gaining a better understanding of these concepts can reduce anxiety and help you take more control over your financial future.

One effective way to begin is by improving your financial literacy. When you understand your personal financial goals, cultivate the tools to achieve them, you’re better equipped to make confident, informed decisions.

Our Ohio State EAP Portal, OSU MyLifeExpert, offers a wide range of financial wellness resources, including articles, videos, and interactive calculators. Whether you’re just starting out or looking to refine your strategy, these tools can help you take the next step toward greater financial clarity and peace of mind.

Explore financial wellness resources at OSU MyLifeExpert. If you need to register for your private and confidential account, email eap@osumc.edu for the company code.

¹ How Your Childhood Affects Your Money Today - PsychologyToday.com

² Financial Stress: How to Cope - verywellmind.com