
There’s a lot of noise in money advice right now - especially with cost of living pressure and a growing conversation about ADHD and executive function.

If money admin feels weirdly hard - like you can think about it for hours but still can’t start - you’re not lazy or careless. A lot of that struggle sits in executive function: the brain skills that help you begin tasks, remember steps, manage time, and switch attention.

If thinking about money makes your brain go blank, your chest tighten, or your whole body want to avoid it, that’s not laziness. That’s stress. When your nervous system is overloaded, “simple” tasks like checking an account or opening a bill can feel genuinely unsafe.

Debt often comes with a heavy layer of shame - and if you have ADHD (or your executive function is stretched), that shame can build fast.

If spreadsheets make you feel organised for one afternoon and then disappear forever, you’re not alone. “Just track your spending” assumes you have consistent focus, working memory, and time - which is exactly what ADHD makes unreliable.