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The Cut
 

January 8, 2026

 

PERSONAL FINANCE

Help! I Have ADHD and My Finances Are a Mess. It’s true that people with ADHD are more likely to struggle with money. Here’s what to do about it.

By Charlotte Cowles

Photo-Illustration: by The Cut; Photos: Getty Images

I’m 32 and was diagnosed with ADHD about a year ago. Now that I’m being treated, it’s wild to me that no one caught it sooner, but here we are. 

A lot of things in my life have improved since I started medication. But one thing that I still struggle with a lot is financial planning. I am trying to tackle my credit-card debt, which is about $5,000 — luckily, my credit was never good enough to qualify for a card with a higher limit — and pay my student loans. But every time I look at my accounts, I get completely overwhelmed. I know I spend too much, and I don’t have any savings. I feel like a complete and hopeless mess. My partner and I are planning to move in together, and we’re talking about eventually getting married, but he has told me — nicely! — that he’s worried about my financial habits and is encouraging me to get help. I don’t want to drag him into this or even know how bad it is. But any financial advice I read feels like it doesn’t apply to me at all. I’ve always thought I was worse with money than everyone else, but now I’m wondering if my ADHD has something to do with it. What do I do? How can I clean this up?

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