Financial Therapy in Chicago and across Illinois
Support for Financial Stress, Anxiety, and Your Relationship with Money
If you’re feeling overwhelmed by financial stress or anxiety about money, you’re not alone, and you don’t have to navigate it on your own.
At Mindset Counseling Services, we provide virtual financial therapy for individuals in Chicago and across Illinois who are struggling with the emotional side of money. Whether you’re dealing with constant worry about finances, avoiding financial decisions, or feeling stuck in patterns that are hard to change, therapy can help you better understand what’s going on and begin to move forward with clarity and confidence.
What Is Financial Therapy?
Financial therapy is a space where you can explore your relationship with money in a deeper and more meaningful way.
Financial therapy goes beyond budgets and financial advice. It explores the thoughts, emotions, experiences, and beliefs that shape how you relate to money.
Many people experience:
Ongoing financial anxiety
Stress about bills, debt, or spending
Feelings of shame or guilt around money
Avoidance of financial decisions
Conflict about money in relationships
These experiences are more common than you might think, and they often have roots in past experiences, cultural expectations, or learned beliefs.
Through financial therapy, we work together to better understand these patterns and begin to shift them in a way that feels supportive and sustainable.
Signs You May Be Experiencing Financial Stress or Anxiety
You don’t need to be in a financial crisis to benefit from support.
Financial stress can show up in many ways, including:
Constant worry about money, even when things are stable
Feeling fear or anxiety when thinking about money
Feeling overwhelmed when thinking about finances
Avoiding checking bank accounts or bills
Difficulty making financial decisions
Tension or conflict about money in relationships
Feeling stuck, ashamed, or “behind” financially
If any of this feels familiar, financial therapy can help you make sense of what you’re experiencing and begin to approach money with more clarity and self-compassion.
How Financial Therapy Can Help
In our work together, we focus on creating a space where you can talk about money openly, without judgment, pressure, or a hidden agenda.
Financial therapy can help you:
Reduce anxiety and stress related to money
Understand your emotional responses to financial situations
Identify patterns that may be keeping you stuck
Build a healthier, more intentional relationship with money
Improve communication about finances in relationships
Feel more confident and grounded in financial decisions
The goal is to help you understand what's driving your financial patterns so you can make decisions that feel more intentional and aligned with your values, priorities, and goals.
Financial Therapy Addresses More Than the Numbers
Your financial behaviors don't happen in isolation. Stress, anxiety, family experiences, culture, past financial hardship, and beliefs about money can all influence the decisions you make today.
In financial therapy, we can explore those emotional patterns while also working on practical financial behaviors such as spending, saving, financial boundaries, money conversations, and developing habits that support your goals.
The goal isn't financial perfection. It's building a relationship with money that feels more intentional, sustainable, and aligned with the life you want to create.
What to Expect From Financial Therapy
As a Licensed Clinical Social Worker and Certified Financial Therapist™, I provide virtual financial therapy for clients in Chicago and across Illinois.
Sessions are collaborative and tailored to your needs. We’ll start by understanding what’s bringing you in and exploring the experiences, emotions, and beliefs that have shaped your relationship with money.
From there, we’ll identify patterns that may be contributing to financial stress or anxiety and work toward meaningful change. Depending on your goals, sessions may include both emotional exploration and practical tools related to spending, saving, financial habits, boundaries, or communicating about money.
We’ll move at your pace, focusing on what feels most important to you and building a relationship with money that feels more intentional, confident, and aligned with your values.
Financial Therapy That Considers Culture, Family, and Your Money Story
For many Latinas and first-generation individuals, money can carry layers of family responsibility, cultural expectations, sacrifice, guilt, and pressure to create opportunities that previous generations may not have had.
As an immigrant from Mexico and a first-generation college graduate, I understand how financial experiences are often shaped by culture, family expectations, and systemic barriers.
Money is never just about numbers, it’s connected to identity, security, and opportunity.
As a bilingual and bicultural therapist, I offer services in both English and Spanish, creating a space that is culturally aware and accessible for individuals in Chicago and across Illinois.
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Financial therapy addresses both the emotional and practical sides of money. It helps you understand how your experiences, emotions, beliefs, and behaviors influence your relationship with money and the financial decisions you make.
Financial therapy can be especially helpful if you experience financial stress, money anxiety, avoidance, guilt, or patterns with money that feel difficult to change.
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Yes. Financial therapy can help you better understand what is contributing to your anxiety around money and develop healthier ways to respond to financial stress.
Together, we can explore the thoughts, experiences, and financial patterns behind the anxiety while also working on practical strategies that help you feel more confident and in control of your finances.
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Financial therapy focuses on both the emotional and behavioral aspects of money. It can help you explore how anxiety, past experiences, family dynamics, culture, and beliefs about money affect your financial behaviors and overall well-being.
Financial coaching is more action-oriented and focuses on practical financial goals, habits, and accountability. Coaching may include areas such as budgeting, spending, saving, and developing a financial plan.
If you’re unsure which service is right for you, we can discuss your needs during a free consultation.
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Yes. I accept select insurance plans for financial therapy services in Illinois. Insurance coverage and out-of-pocket costs vary by plan.
You can verify your insurance benefits before scheduling, or contact me if you have questions about getting started.
Frequently Asked Questions
Ready to Change Your Relationship With Money?
If financial stress, money anxiety, or difficult financial patterns are affecting your well-being, you don’t have to navigate them alone. Reach out to learn more about virtual financial therapy in Chicago and across Illinois or to schedule a free consultation.

