If there is one common thing that can keep people up at night, it is financial stress. Regardless of your age or income level, you may worry about if you have enough money to pay certain bills, how you will afford to send the kids to school, or if you are saving enough for retirement. These are just a few of the common concerns that people face about their finances. While some may think that the answer to their financial woes is to increase their income level, the fact is that financial stress is common across all income brackets.