When a teenager struggles with mental health or substance abuse issues, it brings a whirlwind of emotions, decisions, and stress to everyone involved. You’ll of course stress about their health, but have you ever thought about how financial security fits into this equation?
According to the National Institute on Drug Abuse, nearly 47 million Americans aged 12 and older battle a substance use disorder. The statistics around mental health are also alarming, with the National Alliance on Mental Illness reporting that one in five youth experience a mental health condition. This means that many families face these challenges, and knowing how to support your teen financially can make all the difference.
The Weight of Financial Stress
Financial stress affects everyone, and it can be overwhelming for both you and your teen. Studies highlight that financial concerns rank among the top stressors in America, but one aspect that may go unseen by parents is that when you worry about bills, healthcare, or even the extra costs associated with therapy or rehabilitation, your teen catches those worries too. What also adds to this already difficult situation is that this can exacerbate mental health issues, and make the journey to recovery much harder to handle.
The Good News
While there’s no easy way around this type of situation, setting a budget—no matter how small—can be very helpful. Also, make sure to look into various resources that might ease some financial burden. The Substance Abuse and Mental Health Administration (SAMHSA) offers a National Helpline to help families find treatment options that fit their budget. You also have the option to explore local community organizations that provide financial assistance or scholarships for treatment. And, consider reviewing life cover options at https://www.nib.co.nz/life-cover-options to help plan for miscellaneous expenses and provide financial security.
Prioritize Mental Health Services
Giving top spot to mental health is crucial because it’s about more than just getting teens “back to normal”—it comes down to truly helping them heal and grow. Teens are already experiencing a “tornado” of emotions and social pressures, and when you add challenges like trauma, addiction, or behavioral issues, it can be overwhelming, to say the least. The good news is that mental health services provide a safe space for them to unpack what’s really going on beneath the surface, understand their feelings, and develop healthy coping mechanisms.
Without proper mental health support, teens might carry unresolved issues into adulthood, which can impact their relationships, education, and even future opportunities. Therapy, counseling, or support groups offer them tools to communicate better, manage stress, and build resilience. In other words, when mental health is prioritized, teens are more likely to feel understood and empowered to make positive changes; and it’s not just a phase they outgrow but a critical part of their development.
It does not take a financial expert to understand that stability and support lead to success. You will help your teen not only to survive their challenges but to thrive beyond them.
Also read:
How to Search for Therapeutic Boarding Schools Online
Finding Safe Therapeutic Schools
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