{"id":37096,"date":"2026-08-10T20:00:28","date_gmt":"2026-08-10T15:00:28","guid":{"rendered":"https:\/\/usnews-14267fa.ingress-comporellon.ewp.live\/?p=37096"},"modified":"2026-08-10T20:00:28","modified_gmt":"2026-08-10T15:00:28","slug":"3-types-of-financial-guilt-and-how-to-cope-npr","status":"publish","type":"post","link":"https:\/\/usnews-14267fa.ingress-comporellon.ewp.live\/?p=37096","title":{"rendered":"3 types of financial guilt and how to cope : NPR"},"content":{"rendered":"<p><script>\r\n  atOptions = {\r\n    'key' : '644b717812d811d6a1c1fc5b6ccd6fa6',\r\n    'format' : 'iframe',\r\n    'height' : 90,\r\n    'width' : 728,\r\n    'params' : {}\r\n  };\r\n<\/script>\r\n<script src=\"https:\/\/www.highperformanceformat.com\/644b717812d811d6a1c1fc5b6ccd6fa6\/invoke.js\"><\/script>\r\n<br \/>\n<\/p>\n<div id=\"storytext\">\n<p>Ever regretted spending too much on dinner? Or ashamed about not being able to give a family member more financial support? <\/p>\n<p><!-- END ID=\"RESNX-S1-5860936-100\" CLASS=\"BUCKETWRAP INTERNALLINK MEDIAPROMO PRIMARY\" --><\/p>\n<p>There&#8217;s a term for this feeling, says certified financial planner <a href=\"https:\/\/www.worth-winning.com\/who-we-are\" target=\"_blank\">Lauryn Williams<\/a>: financial guilt. And it can hold you back from taking steps to fix your finances \u2014 or enjoying the money you do have. <\/p>\n<p>Narratives like &#8220;I should have known better&#8221; or &#8220;I shouldn&#8217;t be in this situation&#8221; don&#8217;t help, she says. &#8220;They don&#8217;t allow you to move forward because you feel so guilty.&#8221; <\/p>\n<p>Williams, the founder of the financial planning firm Worth Winning, shares three kinds of financial guilt and how to address them. <\/p>\n<p><em>This comic was reported by Marielle Segarra and written and illustrated by Abi Inman.<\/em> <\/p>\n<div id=\"resg-s1-137918\" class=\"bucketwrap image large\">\n<div class=\"imagewrap has-source-dimensions\" data-crop-type=\"\" style=\"&#10;        --source-width: 1600;&#10;        --source-height: 2000;&#10;    \">\n        <picture><source srcset=\"https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/400\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Ff3%2F16%2F8cfb7c014d39b32edcbfea741844%2F1.jpg 400w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/600\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Ff3%2F16%2F8cfb7c014d39b32edcbfea741844%2F1.jpg 600w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/800\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Ff3%2F16%2F8cfb7c014d39b32edcbfea741844%2F1.jpg 800w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/900\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Ff3%2F16%2F8cfb7c014d39b32edcbfea741844%2F1.jpg 900w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/1200\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Ff3%2F16%2F8cfb7c014d39b32edcbfea741844%2F1.jpg 1200w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/1600\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Ff3%2F16%2F8cfb7c014d39b32edcbfea741844%2F1.jpg 1600w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/1800\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Ff3%2F16%2F8cfb7c014d39b32edcbfea741844%2F1.jpg 1800w\" data-template=\"https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/{width}\/quality\/{quality}\/format\/{format}\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Ff3%2F16%2F8cfb7c014d39b32edcbfea741844%2F1.jpg\" sizes=\"(min-width: 1025px) 650px, calc(100vw - 30px)\" class=\"img\" type=\"image\/webp\"\/><source srcset=\"https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/400\/quality\/85\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Ff3%2F16%2F8cfb7c014d39b32edcbfea741844%2F1.jpg 400w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/600\/quality\/85\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Ff3%2F16%2F8cfb7c014d39b32edcbfea741844%2F1.jpg 600w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/800\/quality\/85\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Ff3%2F16%2F8cfb7c014d39b32edcbfea741844%2F1.jpg 800w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/900\/quality\/85\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Ff3%2F16%2F8cfb7c014d39b32edcbfea741844%2F1.jpg 900w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/1200\/quality\/85\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Ff3%2F16%2F8cfb7c014d39b32edcbfea741844%2F1.jpg 1200w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/1600\/quality\/85\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Ff3%2F16%2F8cfb7c014d39b32edcbfea741844%2F1.jpg 1600w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/1800\/quality\/85\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Ff3%2F16%2F8cfb7c014d39b32edcbfea741844%2F1.jpg 1800w\" data-template=\"https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/{width}\/quality\/{quality}\/format\/{format}\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Ff3%2F16%2F8cfb7c014d39b32edcbfea741844%2F1.jpg\" sizes=\"(min-width: 1025px) 650px, calc(100vw - 30px)\" class=\"img\" type=\"image\/jpeg\"\/><img decoding=\"async\" src=\"https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/1100\/quality\/50\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Ff3%2F16%2F8cfb7c014d39b32edcbfea741844%2F1.jpg\" data-template=\"https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/{width}\/quality\/{quality}\/format\/{format}\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Ff3%2F16%2F8cfb7c014d39b32edcbfea741844%2F1.jpg\" class=\"img\" alt=\"3 types of financial guilt (and how to cope) &#10;&#10;&lt;&lt;Image: Illustrated patron balancing two dollar signs on a carrying pole.&gt;&gt;\" loading=\"lazy\"\/>\n        <\/picture>\n<\/div>\n<\/p><\/div>\n<div id=\"resg-s1-137919\" class=\"bucketwrap image large\">\n<div class=\"imagewrap has-source-dimensions\" data-crop-type=\"\" style=\"&#10;        --source-width: 1600;&#10;        --source-height: 2000;&#10;    \">\n        <picture><source srcset=\"https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/400\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F06%2Fd0%2F889ee21f43f9b4d2e1feebfda601%2F2.jpg 400w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/600\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F06%2Fd0%2F889ee21f43f9b4d2e1feebfda601%2F2.jpg 600w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/800\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F06%2Fd0%2F889ee21f43f9b4d2e1feebfda601%2F2.jpg 800w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/900\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F06%2Fd0%2F889ee21f43f9b4d2e1feebfda601%2F2.jpg 900w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/1200\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F06%2Fd0%2F889ee21f43f9b4d2e1feebfda601%2F2.jpg 1200w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/1600\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F06%2Fd0%2F889ee21f43f9b4d2e1feebfda601%2F2.jpg 1600w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/1800\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F06%2Fd0%2F889ee21f43f9b4d2e1feebfda601%2F2.jpg 1800w\" data-template=\"https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/{width}\/quality\/{quality}\/format\/{format}\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F06%2Fd0%2F889ee21f43f9b4d2e1feebfda601%2F2.jpg\" sizes=\"(min-width: 1025px) 650px, calc(100vw - 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30px)\" class=\"img\" type=\"image\/jpeg\"\/><img decoding=\"async\" src=\"https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/1100\/quality\/50\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F06%2Fd0%2F889ee21f43f9b4d2e1feebfda601%2F2.jpg\" data-template=\"https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/{width}\/quality\/{quality}\/format\/{format}\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F06%2Fd0%2F889ee21f43f9b4d2e1feebfda601%2F2.jpg\" class=\"img\" alt=\"Have you ever gone out for a delicious meal and then, after you paid, you felt &#10;&lt;&lt;Image: Patron sitting at a group dinner. A waiter is bringing them the check.&gt;&gt;&#10;&#10;\u2026TERRIBLE?&#10;&lt;&lt;Image: Patron receives check, which is now an anthropomorphized Bill &gt;&gt;&#10;&#10;&lt;&lt;Image: Patron looking queasy, thought bubble with text in a spiral. Bill looking on, concerned. looks visibly shaken by expensive receipt and begins to spiral.&gt;&gt;\" loading=\"lazy\"\/>\n        <\/picture>\n<\/div>\n<\/p><\/div>\n<div id=\"resg-s1-137920\" class=\"bucketwrap image large\">\n<div class=\"imagewrap has-source-dimensions\" data-crop-type=\"\" style=\"&#10;        --source-width: 1600;&#10;        --source-height: 2000;&#10;    \">\n        <picture><source srcset=\"https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/400\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fe4%2Fa4%2F5fb69a7a498ca1fb647684573c92%2F3.jpg 400w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/600\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fe4%2Fa4%2F5fb69a7a498ca1fb647684573c92%2F3.jpg 600w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/800\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fe4%2Fa4%2F5fb69a7a498ca1fb647684573c92%2F3.jpg 800w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/900\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fe4%2Fa4%2F5fb69a7a498ca1fb647684573c92%2F3.jpg 900w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/1200\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fe4%2Fa4%2F5fb69a7a498ca1fb647684573c92%2F3.jpg 1200w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/1600\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fe4%2Fa4%2F5fb69a7a498ca1fb647684573c92%2F3.jpg 1600w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/1800\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fe4%2Fa4%2F5fb69a7a498ca1fb647684573c92%2F3.jpg 1800w\" data-template=\"https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/{width}\/quality\/{quality}\/format\/{format}\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fe4%2Fa4%2F5fb69a7a498ca1fb647684573c92%2F3.jpg\" sizes=\"(min-width: 1025px) 650px, calc(100vw - 30px)\" class=\"img\" type=\"image\/webp\"\/><source srcset=\"https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/400\/quality\/85\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fe4%2Fa4%2F5fb69a7a498ca1fb647684573c92%2F3.jpg 400w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/600\/quality\/85\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fe4%2Fa4%2F5fb69a7a498ca1fb647684573c92%2F3.jpg 600w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/800\/quality\/85\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fe4%2Fa4%2F5fb69a7a498ca1fb647684573c92%2F3.jpg 800w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/900\/quality\/85\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fe4%2Fa4%2F5fb69a7a498ca1fb647684573c92%2F3.jpg 900w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/1200\/quality\/85\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fe4%2Fa4%2F5fb69a7a498ca1fb647684573c92%2F3.jpg 1200w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/1600\/quality\/85\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fe4%2Fa4%2F5fb69a7a498ca1fb647684573c92%2F3.jpg 1600w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/1800\/quality\/85\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fe4%2Fa4%2F5fb69a7a498ca1fb647684573c92%2F3.jpg 1800w\" data-template=\"https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/{width}\/quality\/{quality}\/format\/{format}\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fe4%2Fa4%2F5fb69a7a498ca1fb647684573c92%2F3.jpg\" sizes=\"(min-width: 1025px) 650px, calc(100vw - 30px)\" class=\"img\" type=\"image\/jpeg\"\/><img decoding=\"async\" src=\"https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/1100\/quality\/50\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fe4%2Fa4%2F5fb69a7a498ca1fb647684573c92%2F3.jpg\" data-template=\"https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/{width}\/quality\/{quality}\/format\/{format}\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fe4%2Fa4%2F5fb69a7a498ca1fb647684573c92%2F3.jpg\" class=\"img\" alt=\"There's a name for this feeling, says Lauryn Williams, a certified financial planner: financial guilt. &#10;&#10;Some people feel this when they've overspent. Others feel it because they're not spending enough or giving enough.&quot; &#10;&#10;&#10;&lt;&lt;Image: Lauryn Williams portrait. Bill speech bubble says, \u201cFun fact: She\u2019s also an Olympic medalist, in both track and field AND bobsledding.\u201d&gt;&gt;&#10;&#10;It can hold you back from taking steps to fix your finances \u2014 and stop you from enjoying life's pleasures, she says.&#10;&#10;&#9;&lt;&lt;Image: Guilt hovers over patron\u2019s shoulder at the dinner table.&gt;&gt;&#10;&#10;Bill: Williams shares three types of financial guilt and how to address them.&#10;&#9;&lt;&lt;Image: Bill puts up three fingers..&gt;&gt;&#10;\" loading=\"lazy\"\/>\n        <\/picture>\n<\/div>\n<\/p><\/div>\n<div id=\"resg-s1-137921\" class=\"bucketwrap image large\">\n<div class=\"imagewrap has-source-dimensions\" data-crop-type=\"\" style=\"&#10;        --source-width: 1600;&#10;        --source-height: 2000;&#10;    \">\n        <picture><source srcset=\"https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/400\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F41%2F5a%2F396e6a3c4df7a7990113b86e7ba6%2F4.jpg 400w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/600\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F41%2F5a%2F396e6a3c4df7a7990113b86e7ba6%2F4.jpg 600w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/800\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F41%2F5a%2F396e6a3c4df7a7990113b86e7ba6%2F4.jpg 800w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/900\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F41%2F5a%2F396e6a3c4df7a7990113b86e7ba6%2F4.jpg 900w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/1200\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F41%2F5a%2F396e6a3c4df7a7990113b86e7ba6%2F4.jpg 1200w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/1600\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F41%2F5a%2F396e6a3c4df7a7990113b86e7ba6%2F4.jpg 1600w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/1800\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F41%2F5a%2F396e6a3c4df7a7990113b86e7ba6%2F4.jpg 1800w\" data-template=\"https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/{width}\/quality\/{quality}\/format\/{format}\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F41%2F5a%2F396e6a3c4df7a7990113b86e7ba6%2F4.jpg\" sizes=\"(min-width: 1025px) 650px, calc(100vw - 30px)\" class=\"img\" type=\"image\/webp\"\/><source srcset=\"https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/400\/quality\/85\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F41%2F5a%2F396e6a3c4df7a7990113b86e7ba6%2F4.jpg 400w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/600\/quality\/85\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F41%2F5a%2F396e6a3c4df7a7990113b86e7ba6%2F4.jpg 600w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/800\/quality\/85\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F41%2F5a%2F396e6a3c4df7a7990113b86e7ba6%2F4.jpg 800w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/900\/quality\/85\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F41%2F5a%2F396e6a3c4df7a7990113b86e7ba6%2F4.jpg 900w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/1200\/quality\/85\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F41%2F5a%2F396e6a3c4df7a7990113b86e7ba6%2F4.jpg 1200w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/1600\/quality\/85\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F41%2F5a%2F396e6a3c4df7a7990113b86e7ba6%2F4.jpg 1600w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/1800\/quality\/85\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F41%2F5a%2F396e6a3c4df7a7990113b86e7ba6%2F4.jpg 1800w\" data-template=\"https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/{width}\/quality\/{quality}\/format\/{format}\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F41%2F5a%2F396e6a3c4df7a7990113b86e7ba6%2F4.jpg\" sizes=\"(min-width: 1025px) 650px, calc(100vw - 30px)\" class=\"img\" type=\"image\/jpeg\"\/><img decoding=\"async\" src=\"https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/1100\/quality\/50\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F41%2F5a%2F396e6a3c4df7a7990113b86e7ba6%2F4.jpg\" data-template=\"https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/{width}\/quality\/{quality}\/format\/{format}\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F41%2F5a%2F396e6a3c4df7a7990113b86e7ba6%2F4.jpg\" class=\"img\" alt=\"Guilt from overspending.Feeling regretful about splurging on something you want but can\u2019t afford. &#10; &#9;&lt;&lt;Image: Patron surrounded by multiple shopping bags.&gt;&gt;&#10;&#10;How to deal: First, acknowledge you\u2019ve made a mistake, but don\u2019t make sweeping judgments about yourself, Williams says. &#10;&#10;Patron: Just because I spent $100 on dinner doesn\u2019t mean I\u2019m a bad person. I had a great night with my friends.&#10;&#10;&#9;&lt;&lt;Image: Bill gives Patron a thumbs up.&gt;&gt;&#10;\" loading=\"lazy\"\/>\n        <\/picture>\n<\/div>\n<\/p><\/div>\n<div id=\"resg-s1-137922\" class=\"bucketwrap image large\">\n<div class=\"imagewrap has-source-dimensions\" data-crop-type=\"\" style=\"&#10;        --source-width: 1600;&#10;        --source-height: 2000;&#10;    \">\n        <picture><source srcset=\"https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/400\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F07%2F15%2F031dcb7642418e6d8f3a579263e4%2F5.jpg 400w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/600\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F07%2F15%2F031dcb7642418e6d8f3a579263e4%2F5.jpg 600w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/800\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F07%2F15%2F031dcb7642418e6d8f3a579263e4%2F5.jpg 800w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/900\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F07%2F15%2F031dcb7642418e6d8f3a579263e4%2F5.jpg 900w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/1200\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F07%2F15%2F031dcb7642418e6d8f3a579263e4%2F5.jpg 1200w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/1600\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F07%2F15%2F031dcb7642418e6d8f3a579263e4%2F5.jpg 1600w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/1800\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F07%2F15%2F031dcb7642418e6d8f3a579263e4%2F5.jpg 1800w\" data-template=\"https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/{width}\/quality\/{quality}\/format\/{format}\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F07%2F15%2F031dcb7642418e6d8f3a579263e4%2F5.jpg\" sizes=\"(min-width: 1025px) 650px, calc(100vw - 30px)\" class=\"img\" type=\"image\/webp\"\/><source srcset=\"https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/400\/quality\/85\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F07%2F15%2F031dcb7642418e6d8f3a579263e4%2F5.jpg 400w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/600\/quality\/85\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F07%2F15%2F031dcb7642418e6d8f3a579263e4%2F5.jpg 600w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/800\/quality\/85\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F07%2F15%2F031dcb7642418e6d8f3a579263e4%2F5.jpg 800w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/900\/quality\/85\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F07%2F15%2F031dcb7642418e6d8f3a579263e4%2F5.jpg 900w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/1200\/quality\/85\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F07%2F15%2F031dcb7642418e6d8f3a579263e4%2F5.jpg 1200w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/1600\/quality\/85\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F07%2F15%2F031dcb7642418e6d8f3a579263e4%2F5.jpg 1600w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/1800\/quality\/85\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F07%2F15%2F031dcb7642418e6d8f3a579263e4%2F5.jpg 1800w\" data-template=\"https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/{width}\/quality\/{quality}\/format\/{format}\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F07%2F15%2F031dcb7642418e6d8f3a579263e4%2F5.jpg\" sizes=\"(min-width: 1025px) 650px, calc(100vw - 30px)\" class=\"img\" type=\"image\/jpeg\"\/><img decoding=\"async\" src=\"https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/1100\/quality\/50\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F07%2F15%2F031dcb7642418e6d8f3a579263e4%2F5.jpg\" data-template=\"https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/{width}\/quality\/{quality}\/format\/{format}\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F07%2F15%2F031dcb7642418e6d8f3a579263e4%2F5.jpg\" class=\"img\" alt=\"Then, work on your \u201cguilt-free budget,\u201d Williams says. &#10;&#10;Ask yourself: What do I value? And set aside money for those things. &#10;&lt;&lt;image: Patron working on a budget spreadsheet on the computer.&gt;&gt;&#10;&#10;Yes! Spend more here!&#10;&lt;&lt;Image: Traveling, movies with your friends, sessions with your cat psychic!&gt;&gt; &#10;&#10;No! Spend less here!&#10;&lt;&lt;Image: Clothes you\u2019ll wear for a week, bougie dinners 3x a month, the subscription juice cleanse your coworker is trying!&gt;&gt; &#10;&#10;You\u2019ll feel more financially prepared and less guilty about spending on what matters to you, she says.\" loading=\"lazy\"\/>\n        <\/picture>\n<\/div>\n<\/p><\/div>\n<div id=\"resg-s1-137923\" class=\"bucketwrap image large\">\n<div class=\"imagewrap has-source-dimensions\" data-crop-type=\"\" style=\"&#10;        --source-width: 1600;&#10;        --source-height: 2000;&#10;    \">\n        <picture><source srcset=\"https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/400\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fb0%2F11%2F2e662df947f9b7ced53c7480167e%2F6.jpg 400w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/600\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fb0%2F11%2F2e662df947f9b7ced53c7480167e%2F6.jpg 600w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/800\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fb0%2F11%2F2e662df947f9b7ced53c7480167e%2F6.jpg 800w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/900\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fb0%2F11%2F2e662df947f9b7ced53c7480167e%2F6.jpg 900w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/1200\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fb0%2F11%2F2e662df947f9b7ced53c7480167e%2F6.jpg 1200w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/1600\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fb0%2F11%2F2e662df947f9b7ced53c7480167e%2F6.jpg 1600w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/1800\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fb0%2F11%2F2e662df947f9b7ced53c7480167e%2F6.jpg 1800w\" data-template=\"https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/{width}\/quality\/{quality}\/format\/{format}\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fb0%2F11%2F2e662df947f9b7ced53c7480167e%2F6.jpg\" sizes=\"(min-width: 1025px) 650px, calc(100vw - 30px)\" class=\"img\" type=\"image\/webp\"\/><source srcset=\"https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/400\/quality\/85\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fb0%2F11%2F2e662df947f9b7ced53c7480167e%2F6.jpg 400w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/600\/quality\/85\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fb0%2F11%2F2e662df947f9b7ced53c7480167e%2F6.jpg 600w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/800\/quality\/85\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fb0%2F11%2F2e662df947f9b7ced53c7480167e%2F6.jpg 800w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/900\/quality\/85\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fb0%2F11%2F2e662df947f9b7ced53c7480167e%2F6.jpg 900w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/1200\/quality\/85\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fb0%2F11%2F2e662df947f9b7ced53c7480167e%2F6.jpg 1200w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/1600\/quality\/85\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fb0%2F11%2F2e662df947f9b7ced53c7480167e%2F6.jpg 1600w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/1800\/quality\/85\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fb0%2F11%2F2e662df947f9b7ced53c7480167e%2F6.jpg 1800w\" data-template=\"https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/{width}\/quality\/{quality}\/format\/{format}\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fb0%2F11%2F2e662df947f9b7ced53c7480167e%2F6.jpg\" sizes=\"(min-width: 1025px) 650px, calc(100vw - 30px)\" class=\"img\" type=\"image\/jpeg\"\/><img decoding=\"async\" src=\"https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/1100\/quality\/50\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fb0%2F11%2F2e662df947f9b7ced53c7480167e%2F6.jpg\" data-template=\"https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/{width}\/quality\/{quality}\/format\/{format}\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fb0%2F11%2F2e662df947f9b7ced53c7480167e%2F6.jpg\" class=\"img\" alt=\"2. Guilt from unequal income in relationships &#10;&#10;Feeling uncomfortable that your partner is making more money than you, or vice versa&#10;&#10;Patron: I feel bad that you keep paying for things!&#10;Partner: I feel bad that I\u2019m not paying for MORE things!&#10;&#10;&lt;&lt;Image: Patron talking to partner.&gt;&gt;&#10;&#10;&#10;How to deal: Talk it out, Williams says. Remind each other that everyone contributes differently to the household \u2014 and you are a team.&#10;&#10;\u201cYou take care of my mom, you take the kids to school and you figure out our meal plan every week.\u201d &#10;&#10;\u201cAnd you pay for plenty. I like to contribute where I can.\u201d&#10;&#10;Bill: Of course this approach will only work if you DO feel like they\u2019re pulling their weight \u2026 but if not, that\u2019s worth a conversation too.&#10;&#10;&lt;&lt;Image: Couple looking happy and connected. Bill in the corner with interjection.&gt;&gt;&#10;\" loading=\"lazy\"\/>\n        <\/picture>\n<\/div>\n<\/p><\/div>\n<div id=\"resg-s1-137924\" class=\"bucketwrap image large\">\n<div class=\"imagewrap has-source-dimensions\" data-crop-type=\"\" style=\"&#10;        --source-width: 1600;&#10;        --source-height: 2000;&#10;    \">\n        <picture><source srcset=\"https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/400\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fa7%2F90%2Fd6f4fc4e40a8820a94e93110b1b5%2F7.jpg 400w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/600\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fa7%2F90%2Fd6f4fc4e40a8820a94e93110b1b5%2F7.jpg 600w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/800\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fa7%2F90%2Fd6f4fc4e40a8820a94e93110b1b5%2F7.jpg 800w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/900\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fa7%2F90%2Fd6f4fc4e40a8820a94e93110b1b5%2F7.jpg 900w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/1200\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fa7%2F90%2Fd6f4fc4e40a8820a94e93110b1b5%2F7.jpg 1200w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/1600\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fa7%2F90%2Fd6f4fc4e40a8820a94e93110b1b5%2F7.jpg 1600w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/1800\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fa7%2F90%2Fd6f4fc4e40a8820a94e93110b1b5%2F7.jpg 1800w\" data-template=\"https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/{width}\/quality\/{quality}\/format\/{format}\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fa7%2F90%2Fd6f4fc4e40a8820a94e93110b1b5%2F7.jpg\" sizes=\"(min-width: 1025px) 650px, calc(100vw - 30px)\" class=\"img\" type=\"image\/webp\"\/><source srcset=\"https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/400\/quality\/85\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fa7%2F90%2Fd6f4fc4e40a8820a94e93110b1b5%2F7.jpg 400w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/600\/quality\/85\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fa7%2F90%2Fd6f4fc4e40a8820a94e93110b1b5%2F7.jpg 600w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/800\/quality\/85\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fa7%2F90%2Fd6f4fc4e40a8820a94e93110b1b5%2F7.jpg 800w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/900\/quality\/85\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fa7%2F90%2Fd6f4fc4e40a8820a94e93110b1b5%2F7.jpg 900w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/1200\/quality\/85\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fa7%2F90%2Fd6f4fc4e40a8820a94e93110b1b5%2F7.jpg 1200w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/1600\/quality\/85\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fa7%2F90%2Fd6f4fc4e40a8820a94e93110b1b5%2F7.jpg 1600w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/1800\/quality\/85\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fa7%2F90%2Fd6f4fc4e40a8820a94e93110b1b5%2F7.jpg 1800w\" data-template=\"https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/{width}\/quality\/{quality}\/format\/{format}\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fa7%2F90%2Fd6f4fc4e40a8820a94e93110b1b5%2F7.jpg\" sizes=\"(min-width: 1025px) 650px, calc(100vw - 30px)\" class=\"img\" type=\"image\/jpeg\"\/><img decoding=\"async\" src=\"https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/1100\/quality\/50\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fa7%2F90%2Fd6f4fc4e40a8820a94e93110b1b5%2F7.jpg\" data-template=\"https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/{width}\/quality\/{quality}\/format\/{format}\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2Fa7%2F90%2Fd6f4fc4e40a8820a94e93110b1b5%2F7.jpg\" class=\"img\" alt=\"3. Guilt from not spending more on others&#10;&#10;How to deal: First ask yourself where the guilt is coming from, Williams says.&#10;&#10;Who do you feel financially obligated to? Are you in a position to help them? What can you reasonably offer?&#10;&#10;Feeling bad for spending money on yourself instead of those in need&#10;&lt;&lt;Image: Person overthinking about their mom.&gt;&gt;&#10;&#10;&#10;Then, make a plan. Decide how much you want to give them, and be clear with yourself about what the limits are.&#10;&#10;Maybe it\u2019s a set sum that you\u2019re sending your mom every month, a recurring donation to a cause that\u2019s important to you, or a contribution to your nephew\u2019s future college fund.&#10;&#9;&lt;&lt;Image: Person writing out a budget plan on paper.&gt;&gt;\" loading=\"lazy\"\/>\n        <\/picture>\n<\/div>\n<\/p><\/div>\n<div id=\"resg-s1-137925\" class=\"bucketwrap image large\">\n<div class=\"imagewrap has-source-dimensions\" data-crop-type=\"\" style=\"&#10;        --source-width: 1600;&#10;        --source-height: 2000;&#10;    \">\n        <picture><source srcset=\"https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/400\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F78%2F37%2F58b77d1043c8bb31e4650913213c%2F8.jpg 400w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/600\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F78%2F37%2F58b77d1043c8bb31e4650913213c%2F8.jpg 600w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/800\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F78%2F37%2F58b77d1043c8bb31e4650913213c%2F8.jpg 800w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/900\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F78%2F37%2F58b77d1043c8bb31e4650913213c%2F8.jpg 900w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/1200\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F78%2F37%2F58b77d1043c8bb31e4650913213c%2F8.jpg 1200w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/1600\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F78%2F37%2F58b77d1043c8bb31e4650913213c%2F8.jpg 1600w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/1800\/quality\/85\/format\/webp\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F78%2F37%2F58b77d1043c8bb31e4650913213c%2F8.jpg 1800w\" data-template=\"https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/{width}\/quality\/{quality}\/format\/{format}\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F78%2F37%2F58b77d1043c8bb31e4650913213c%2F8.jpg\" sizes=\"(min-width: 1025px) 650px, calc(100vw - 30px)\" class=\"img\" type=\"image\/webp\"\/><source srcset=\"https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/400\/quality\/85\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F78%2F37%2F58b77d1043c8bb31e4650913213c%2F8.jpg 400w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/600\/quality\/85\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F78%2F37%2F58b77d1043c8bb31e4650913213c%2F8.jpg 600w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/800\/quality\/85\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F78%2F37%2F58b77d1043c8bb31e4650913213c%2F8.jpg 800w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/900\/quality\/85\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F78%2F37%2F58b77d1043c8bb31e4650913213c%2F8.jpg 900w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/1200\/quality\/85\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F78%2F37%2F58b77d1043c8bb31e4650913213c%2F8.jpg 1200w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/1600\/quality\/85\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F78%2F37%2F58b77d1043c8bb31e4650913213c%2F8.jpg 1600w,&#10;https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/1800\/quality\/85\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F78%2F37%2F58b77d1043c8bb31e4650913213c%2F8.jpg 1800w\" data-template=\"https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/{width}\/quality\/{quality}\/format\/{format}\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F78%2F37%2F58b77d1043c8bb31e4650913213c%2F8.jpg\" sizes=\"(min-width: 1025px) 650px, calc(100vw - 30px)\" class=\"img\" type=\"image\/jpeg\"\/><img decoding=\"async\" src=\"https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/1100\/quality\/50\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F78%2F37%2F58b77d1043c8bb31e4650913213c%2F8.jpg\" data-template=\"https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1600x2000+0+0\/resize\/{width}\/quality\/{quality}\/format\/{format}\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F78%2F37%2F58b77d1043c8bb31e4650913213c%2F8.jpg\" class=\"img\" alt=\"Also try to remember that people who care about you will want you to enjoy the money you\u2019ve earned, not feel guilty that you\u2019re doing well, she says.&#10;&#10;Bill: I'm just a bill. Yes, I'm only a bill. Lauryn Williams is right.. Don\u2019t pin your self worth on me! I\u2019m just a little guy.&#10;&#10;Patron: I know buddy. &#10;&#10;&lt;&lt;Image: Bill and Patron walking off into the sunset.&gt;&gt;&#10;\" loading=\"lazy\"\/>\n        <\/picture>\n<\/div>\n<\/p><\/div>\n<p><em>The comic was edited by Malaka Gharib and CJ Riculan. The producer of the episode is Clare Marie Schneider<\/em>.<em> We&#8217;d love to hear from you. Leave us a voicemail at 202-216-9823, or email us at\u00a0<\/em><a href=\"https:\/\/www.npr.org\/2026\/08\/10\/nx-s1-5860936\/mailto:LifeKit@npr.org\" target=\"_blank\"><em>LifeKit@npr.org<\/em><\/a><em>.<\/em><\/p>\n<p><em>Listen to Life Kit on\u00a0<\/em><a href=\"http:\/\/n.pr\/3LdRb0X\" target=\"_blank\"><em>Apple Podcasts<\/em><\/a><em>\u00a0and\u00a0<\/em><a href=\"http:\/\/n.pr\/3K3xVln\" target=\"_blank\"><em>Spotify<\/em><\/a><em>, and sign up for our\u00a0<\/em><a href=\"http:\/\/n.pr\/3xN1tB9\" target=\"_blank\"><em>newsletter<\/em><\/a><em>. Follow us on Instagram:\u00a0<\/em><a href=\"https:\/\/www.instagram.com\/nprlifekit\" target=\"_blank\"><em>@nprlifekit<\/em><\/a><em>.<\/em><\/p>\n<aside id=\"ad-backstage-wrap\" class=\"ad-wrap backstage\" aria-label=\"advertisement\">\n<\/aside>\n<\/div>\n<p><script async src=\"\/\/www.instagram.com\/embed.js\"><\/script><br \/>\n<br \/><script async=\"async\" data-cfasync=\"false\" src=\"https:\/\/pl30214220.effectivecpmnetwork.com\/9ab3d4df8a7e1a6171e16ddbf732cc19\/invoke.js\"><\/script>\r\n<div id=\"container-9ab3d4df8a7e1a6171e16ddbf732cc19\"><\/div>\r\n<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ever regretted spending too much on dinner? Or ashamed about not being able to give a family member more financial support? There&#8217;s a term for this feeling, says certified financial planner Lauryn Williams: financial guilt. And it can hold you back from taking steps to fix your finances \u2014 or enjoying the money you do&#8230;<\/p>\n","protected":false},"author":1,"featured_media":37097,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"fifu_image_url":"https:\/\/npr.brightspotcdn.com\/dims3\/default\/strip\/false\/crop\/1080x608+0+37\/resize\/1400\/quality\/85\/format\/jpeg\/?url=http%3A%2F%2Fnpr-brightspot.s3.amazonaws.com%2F32%2F5f%2Fe6de9d0640afa34a76fb3c12ac97%2Ffinancial-guilt-promo-image-v1-1.jpg","fifu_image_alt":"","footnotes":""},"categories":[4],"tags":[],"class_list":["post-37096","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news-hub"],"brizy_media":[],"_links":{"self":[{"href":"https:\/\/usnews-14267fa.ingress-comporellon.ewp.live\/index.php?rest_route=\/wp\/v2\/posts\/37096","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/usnews-14267fa.ingress-comporellon.ewp.live\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/usnews-14267fa.ingress-comporellon.ewp.live\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/usnews-14267fa.ingress-comporellon.ewp.live\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/usnews-14267fa.ingress-comporellon.ewp.live\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=37096"}],"version-history":[{"count":0,"href":"https:\/\/usnews-14267fa.ingress-comporellon.ewp.live\/index.php?rest_route=\/wp\/v2\/posts\/37096\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/usnews-14267fa.ingress-comporellon.ewp.live\/index.php?rest_route=\/wp\/v2\/media\/37097"}],"wp:attachment":[{"href":"https:\/\/usnews-14267fa.ingress-comporellon.ewp.live\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=37096"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/usnews-14267fa.ingress-comporellon.ewp.live\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=37096"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/usnews-14267fa.ingress-comporellon.ewp.live\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=37096"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}