Find a Financial Therapist Near Me
Money worries weigh on your mind, your sleep, and your relationships. Search by your city to see real, licensed counselors near you, then find one who helps with money stress, debt, and the feelings behind both.
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At a Glance
Top 12 Therapists Who Can Help
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What a Financial Therapist Does
The feelings and habits behind your money
A financial therapist helps you with the feelings, habits, and fears tied to money. They are not a financial advisor who picks your investments. Instead they work on why money makes you anxious, why you overspend or avoid your bank app, and how money lessons from childhood still drive you today.
Many financial therapists are licensed mental health counselors, social workers, or marriage and family therapists. Some have extra training in money work and call it financial therapy or money therapy. A financial psychologist may also do this kind of work. Whatever the title, you get the care of a real therapist, aimed at the part of your life that money touches.
What sessions look like
You talk, the same way you would in regular therapy. You might bring a budget, a debt list, or just the knot in your stomach. The therapist helps you slow down and see the pattern behind the panic, then build calmer habits one step at a time.
You can search by your city above to see licensed counselors near you, then ask who focuses on money stress. Our roster shows real, verified providers, not paid ads.
When Financial Therapy Helps
Money stress, couples, and financial abuse
Money pain rarely stays in your wallet. It shows up as lost sleep, fights with your partner, and a tight chest every time a bill lands. Here is where this work helps most.
Money stress and anxiety
Financial stress therapy helps when worry about money runs your day. If you check your balance ten times an hour, or you cannot open the mail, a therapist can help quiet that loop and bring back some calm.
Couples and money fights
Couples financial counseling is one of the most common reasons people search for this help. Money is a top cause of conflict in relationships. A therapist gives you and your partner a calmer, fairer way to talk about spending, debt, and shared goals.
Financial abuse
A financial abuse therapist helps when a partner or family member uses money to control you. That can mean blocking your access to accounts, running up debt in your name, or stopping you from working. This is a form of domestic abuse, and you deserve support and safety.
If you ever feel unsafe or have thoughts of harming yourself, call or text the 988 Suicide & Crisis Lifeline at 988, any time, day or night. For abuse, you can also reach the National Domestic Violence Hotline at 1-800-799-7233 to plan a safe next step.
What Financial Therapy Costs Near Me
Self-pay, sliding scale, and insurance
Most financial therapists charge like other licensed therapists. Self-pay sessions usually run $100 to $250 for 45 to 60 minutes. Newer counselors, or those who offer a sliding scale, may charge $40 to $100 based on your income.
If your therapist is a licensed mental health provider, some plans cover sessions when they bill a mental health diagnosis. Your copay might be $20 to $60. Pure money coaching, with no clinical license behind it, is rarely covered by insurance.
Ways to lower the cost
Ask about a sliding scale tied to your income. Ask if a few sessions can be online to save travel time and money. Check if your job offers an EAP, which often gives a handful of free sessions. A community clinic or a university training clinic can also cost far less than private pay.
Always ask for the full fee before your first visit, including any charge for a missed or late-canceled session, so there are no surprises.
Online vs In-Person Financial Therapy Near Me
Which format fits your life
Online financial therapy works well for money work. You can share your screen, open a budget together, and stay in your own home, with your records and your partner nearby. Many people find it easier to talk about money from a chair they already feel safe in.
When in person is better
Choose in person if you feel unsafe sharing money details at home, if video calls drain you, or if you simply focus better in a quiet office. If money fear has kept you stuck inside, getting out for a session can help too.
Either way, look for a licensed counselor in your state. Therapists must hold a license where you are sitting during the session, so a provider two states away may not be able to see you. Search your city above to find counselors who can legally work with you, then ask how they run sessions.
How to Confirm a Therapist Treats Money Issues
First-call questions and real credentials
Our roster shows licensed counselors near you, but it cannot filter by money work on its own. CMS data lists a provider's license and location, not their niche. So you confirm the fit on the first call. A quick phone screen tells you more than any directory badge.
Questions to ask on the first call
- Do you work with clients on money stress, debt, or financial abuse?
- How many money-focused clients have you seen in the past year?
- Do you use budgets or homework, or is the work mostly talk?
- Are you licensed in my state, and can you see me by video?
- What is your full fee, and do you offer a sliding scale?
Credentials that signal real skill
Look for a state license first: LPC, LCSW, LMFT, or psychologist. On top of that, some therapists train through the Financial Therapy Association and use the Certified Financial Therapist title. Money and family training, plus proven methods like CBT or emotionally focused therapy, are good signs they can do this work.
Trust how the call feels. The right therapist explains their approach in plain words and never shames you about your balance. If someone promises to pick stocks or grow your money, that is a financial advisor, not a therapist.
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Frequently Asked Questions
Common questions about financial therapists
What does a financial therapist do?
A financial therapist helps you with the stress, habits, and fears tied to money rather than your investments. They are usually licensed counselors or social workers who treat money anxiety, overspending, and money fights between partners. Think of it as therapy aimed at the part of your life that money touches.
Does the Financial Therapy Association list financial therapists near me?
The Financial Therapy Association keeps a directory of trained members, which is one way to find financial therapists near you. You can also search licensed counselors by your city above, then ask who focuses on money work. Both paths can lead to the right person.
How much does a financial therapist cost near me?
Self-pay sessions usually run $100 to $250 for 45 to 60 minutes. A sliding scale can lower that to $40 to $100, and insured copays often fall between $20 and $60 when the work is billed as mental health care. Always ask for the full fee before your first session.
Can a financial therapist help with financial abuse?
Yes. A financial abuse therapist helps when a partner or family member uses money to control you, such as blocking your accounts or running up debt in your name. This is a form of domestic abuse, and you deserve support. If you feel unsafe or have thoughts of harming yourself, call or text the 988 Suicide & Crisis Lifeline at 988, and you can reach the National Domestic Violence Hotline at 1-800-799-7233.
Is financial therapy the same as financial advice?
No. A financial advisor manages your money, picks investments, and builds a plan for your savings. A financial therapist works on the feelings and behaviors behind your money choices. If someone promises to grow your money, they are an advisor, not a therapist.
Does insurance cover a financial therapist?
Sometimes. When your therapist holds a clinical license and bills a mental health diagnosis, many plans cover sessions with a copay of about $20 to $60. Money coaching from someone without a clinical license is rarely covered, so check with your plan first.
Sources
- Coping With Stress and Money Worries
- Stress and Your Health
- 988 Suicide & Crisis Lifeline
- Anxiety Disorders Overview
Medical disclaimer: This content is for educational purposes only and is not a substitute for professional medical advice, diagnosis, or treatment. Always consult a qualified healthcare provider with questions about a medical condition. If you have a medical emergency, call 911. Our editorial standards