By SPEAKIN’ OUT NEWS
A new University College London study, published in Innovation in Aging, found that persistent financial hardship may accelerate cognitive decline and brain aging, highlighting the importance of reducing long-term financial stress as part of healthy aging.
Constant financial pressure may do more than strain a household budget—it could also accelerate cognitive decline as people grow older, according to a new study led by Dr. Jacques Wels of University College London (UCL) and published in the peer-reviewed journal Innovation in Aging.
The researchers analyzed data from 2,759 participants in the long-running MRC National Survey of Health and Development, following individuals from early adulthood into later life. They found that adults experiencing persistent financial hardship were more likely to experience faster declines in memory, thinking and decision-making skills than those with greater financial stability.
The findings suggest that chronic money worries may contribute to cognitive aging by increasing stress levels over many years. Researchers also found evidence that prolonged financial hardship was associated with changes in brain structure, including greater brain shrinkage among older adults.
Health experts say financial stress can trigger the body’s prolonged “fight-or-flight” response, releasing stress hormones that may affect areas of the brain responsible for learning, memory and concentration. Combined with poor sleep, anxiety and depression, long-term financial strain may increase the risk of age-related cognitive problems.
Researchers emphasize that financial stress is only one of many factors influencing brain health. Regular exercise, a nutritious diet, quality sleep, social engagement, lifelong learning and routine medical care all play important roles in maintaining cognitive function as people age.
The findings come as many Americans continue facing higher costs for groceries, housing, utilities and healthcare. Experts encourage people experiencing financial stress to seek budgeting assistance, financial counseling and community resources that can help reduce economic pressure while supporting overall well-being.
While additional research is needed, the study underscores that financial health and brain health are closely connected. Managing long-term stress and improving financial stability may help protect cognitive function and support healthier aging.