Health and Wellness

Counting Piggy Banks to Catch Some Zzzzs? Try This Instead

Counting Piggy Banks to Catch Some Zzzzs? Try This Instead

Pop quiz: What habit can help you maintain weight, manage your mood and foster creative thinking? If you guessed "getting a full night's rest," there’s a gold star coming your way. You may be one of a small group of people who catch 7 to 8 hours of restorative sleep every night. But, more likely, you're among the majority of Americans who lie awake, worrying about finances. A June 2015 poll found that 62 percent of adults lose sleep over money matters. 

"Stress is the number one cause of insomnia, and there's no area more ripe for stress than money," says Rebecca S. Robbins, a sleep researcher and co-author of “Sleep for Success!” 

Just how detrimental is a lack of shut-eye? In a word: very. And dark circles or under-eye bags aren’t the only symptoms. From your waistline to your immune system to your peace of mind, nearly every aspect of your well-being can be thrown out of whack without proper rest. 

"There's a real, recursive relationship between sleep and stress," Robbins explains. "If you're getting good sleep you're able to put more things in perspective; manage your mood; manage your appetite; feel better physically, personally, interpersonally; and then you sleep better. But if you're stressed out, you're emotionally eating, you're getting in fights with the people around you and you're generally unhappy, and it's going to cause sleep difficulties."

So how do you visit dreamland without an unwanted stopover in “stressville”? Try this two-pronged plan of attack before you hit the hay: 

Step 1: Make a plan for your finances—stat

Getting your money management on track is the first step to quieting the stress cycle that’s keeping you awake.

"Everybody hates the word 'budget,'” says Shannah Compton Game, a certified financial planner and millennial money strategist. “But there's a principle in budgeting that's really key for everybody to learn," she says.

Knowing exactly how much money is coming in and going out means you’re less likely to be staring at the bedroom ceiling come bedtime, wondering how you’re going to make rent at the end of the month. Rather than letting stray fears keep you from drifting off—wait, did I pay that car bill?—you can calm your mind by reminding yourself that you have a financial plan and your to-do list is on track.

If looming what-ifs are keeping you awake (what if I lose my job, what if I get sick and can’t pay the hospital bill, what if someone dings my car?), an emergency fund to cover unexpected expenses can be a sleep salve.

"People always push back and say, 'Oh my gosh, saving six months of expenses is going to take me so long,' but just start right now—even if you can only put $25 in a savings account," Compton Game says. “Starting to save will take a huge amount of stress off of you." And with less stress, comes more sleep. 

Step 2: Start a quiet-your-mind sleep routine

With a financial plan in place, stress is less likely to keep you awake. But you still might need to develop some good sleep habits to have a restful night.

Robbins recommends two activities to de-stress and help prepare yourself for a better night’s rest: "Number one is exercise, which is one of the best cures for stress. Make that a priority. Number two is relaxation strategies.”

There are even relaxation apps you can download from your smartphone, which Robbins says can be great resources. “They give you guided imagery so you can walk through a garden or have the ocean rolling up against the shore.” 

She also recommends cultivating a relaxing sleep ritual, whether it be taking a warm shower, brewing a cup of comforting (decaffeinated) tea or journaling about your worries to put them out of your mind before getting under the covers.

"Managing your stress to get good sleep is absolutely critical," Robbins says. "There's a real positive feedback loop there."

Losing sleep over your savings (or lack thereof)? An extra shot of espresso in the a.m. only goes so far. Let us help you find the best savings account for you, so can you rest easy.

This content does not constitute legal, tax, accounting, financial or investment advice. You are encouraged to consult with competent legal, tax, accounting, financial or investment professionals based on your specific circumstances. We do not make any warranties as to accuracy or completeness of this information, do not endorse any third-party companies, products, or services described here, and take no liability for your use of this information.


Investment and Insurance Products:

Are Not FDIC or any other Government Agency Insured   Are Not Bank Guaranteed  May Lose Value 

© 2018 SunTrust Banks, Inc

equal housing logoSunTrust Bank is an Equal Housing Lender. Member FDIC

equal housing logoEqual Housing Lender. SunTrust Mortgage, Inc

SunTrust, SunTrust Mortgage, SunTrust PortfolioView, SunTrust Robinson Humphrey, SunTrust Premier Program, AMC Pinnacle, AMC Premier, Access 3, Signature Advantage Brokerage, Custom Choice Loan and SunTrust SummitView are federally registered service marks of SunTrust Banks, Inc. All other trademarks are the property of their respective owners.

Services provided by the following affiliates of SunTrust Banks, Inc.: Banking products and services are provided by SunTrust Bank, Member FDIC. Trust and investment management services are provided by SunTrust Bank, SunTrust Delaware Trust Company and SunTrust Banks Trust Company (Cayman) Limited. Securities, brokerage accounts and insurance (including annuities) are offered by SunTrust Investment Services, Inc., a SEC registered broker-dealer, member FINRA, SIPC, and a licensed insurance agency. Investment advisory services are offered by SunTrust Advisory Services, Inc., a SEC registered adviser. GFO Advisory Services, LLC is a SEC registered investment adviser that provides investment advisory services to a group of private investment funds and other non-investment advisory services to affiliates. Mortgage products and services are provided by SunTrust Mortgage, Inc.

SunTrust Mortgage, Inc. - NMLS #2915, 901 Semmes Avenue, Richmond, VA 23224, 1-800-634-7928. CA: licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, IL: Illinois Residential Mortgage Licensee #MB-989, Department of Financial and Professional Regulation, 100 W. Randolph, Suite 900, Chicago, IL 60601, 1-888-473-4858, MA: Mortgage Lender license #-ML-2915, NJ: Mortgage Banker License - New Jersey Department of Banking and Insurance, NY: Licensed Mortgage Banker—NYS Department of Financial Services, and RI: Rhode Island Licensed Lender.

"SunTrust Advisors" may be officers and/or associated persons of the following affiliates of SunTrust Banks, Inc.: SunTrust Bank, our commercial bank, which provides banking, trust and asset management services; SunTrust Investment Services, Inc., a registered broker-dealer, which is a member of FINRA and SIPC, and a licensed insurance agency, and which provides securities, annuities and life insurance products; SunTrust Advisory Services, Inc., a SEC registered investment adviser which provides Investment Advisory services.

SunTrust Private Wealth Management, International Wealth Management, Business Owner Specialty Group, Sports and Entertainment Group, and Legal and Medical Specialty Groups and GenSpring are marketing names used by SunTrust Bank, SunTrust Banks Trust Company (Cayman) Limited, SunTrust Delaware Trust Company, SunTrust Investment Services, Inc., and SunTrust Advisory Services, Inc.

SunTrust Bank and its affiliates do not accept fiduciary responsibility for all banking and investment account types offered. Please consult with your SunTrust representative to determine whether SunTrust and its affiliates have agreed to accept fiduciary responsibility for your account(s) and if you have completed the documentation necessary to establish a fiduciary relationship with SunTrust Bank or an affiliate. Additional information regarding account types and important disclosures may be found at

SunTrust Robinson Humphrey is the trade name for the corporate and investment banking services of SunTrust Banks, Inc. and its subsidiaries, including SunTrust Robinson Humphrey, Inc., member FINRA and SIPC.