Money problems can fuel anxiety and depression, while mental health challenges can lead to irrational spending, falling behind on bills or mounting debt. Layoffs, falling short on retirement goals and volatile markets can all take a toll on clients' mental health. "I've had a number of clients who have had a family member who's in crisis, and a family member in crisis puts the family in crisis," Feinsmith said. But they shouldn't be deterred if a client who is clearly struggling initially resists help, Feinsmith said. Financial therapists can help clients at different stages of a mental health crisis, from diagnosis through recovery, she added.