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An unpredictable job market. Your city’s soaring cost of living. The hefty price of college tuition you’ll have to cough up someday for your kids.

Sometimes, it can feel like your ability to earn and save money for the future is largely dictated by forces you can’t control—and that can be a scary thing.

So it’s no wonder that a recent American Psychological Association study found that finances ranked as a top stressor for Americans for the eighth consecutive year.

But it doesn’t have to be this way. Truth be told, many of the biggest money hurdles you face likely reside in your head—not your bank account.

Not buying it?

We tapped Certified Financial Planners™ and financial therapists to help explain the most common ways we unknowingly let fear sabotage our net worth—and how to work on slaying those inner money demons.

Fear-Based Move #1: Keeping Your Assets in Cash

Sometimes an “assume the worst” mentality can pan out, financially—like that time you instituted a strict spending freeze in order to hit your rainy-day-fund goal.

But when your financial pessimism turns you into an obsessive sock-drawer saver, it’s time to reframe your thinking.

How to Quell the Fear Financial psychologist and CFP Brad Klontz says this hoarder mentality is common to people who’ve witnessed others suffer a major financial setback, such as a tanked investment or even an identity theft incident. “But the irony is that doing nothing is really the only way to guarantee loss,” he points out.

To drive that point home in your own mind, financial wellness pro Amanda Clayman recommends educating yourself on exactly what you’re missing out on by keeping money under the mattress. “Start with a learning-only phase by reading a variety of books on the subject—and see what you connect with,” she suggests.

The Cliff’s Notes: What you’re giving up by keeping your savings in cash is … more cash! When your money is in a compound-interest-bearing offering—such as a CD or money market account—you earn interest on the initial deposits and the interest they earn.

So a person who puts $1,000 into a simple interest account that pays 5% annually would have $1,250 in five years. A person who puts the same amount in a compound interest account with the same rate would have $1,276 by the end of the same period.

The person who left the cash in a jar? He’d still have $1,000—now worth less because of inflation.

Fear-Based Move #2: Buying a House … Because Everyone Else Is

Your slew of new homeowner friends have been gabbing nonstop about the rock-bottom mortgage interest rates, and how those deals may not last for long.

So even though you haven’t quite saved up for a 20% down payment, you’re still worried that not capitalizing on this opportunity could mean you’re stuck renting for the rest of your life.

How to Quell the Fear Listen to your (anxiety-filled) gut. “Emotionally charged reactions are rationally challenged, and that FOMO (fear of missing out) is a red flag,” Klontz says. “Buying a home should be based on your timing, not market factors.”

Despite Americans’ belief that purchasing property is the best wealth-building tool, the facts say otherwise. As Nobel Prize-winning economist Robert Shiller explained at a 2014 Standard and Poor’s conference, equities actually outperformed real estate from 1890 through 2014.

Translation: Passing on a new house you can’t comfortably afford isn’t failing to take advantage of a once-in-a-lifetime bonanza—it’s just good sense. If you end up defaulting on a home loan because your budget can’t support the payments, that mistake could plague your credit report for seven years.

The better strategy? “Wait until you can truly afford the house you want,” says Ed Snyder, a CFP® with Oaktree Advisors. “Even if you pay more in interest, it’s worth it to have enough money left over after the mortgage payment each month to put toward savings.”

Fear-Based Move #3: Neglecting to Lobby for a Raise

Requesting a pay hike takes guts. Not only are you asking your manager to acknowledge your worth—an awkward-enough task on its own—but you’re also facing possible rejection.

In fact, 28% of people who’ve never gone out on this limb admit it’s because they’re just plain uncomfortable.

How to Quell the Fear “If you don’t [try], I guarantee you won’t get it,” Snyder says. “And if you do ask, and don’t get it, you’re no worse off than you were before.”

In other words, facing your fears is a no-lose move—and one that’s even easier to psych yourself up for when you consider that it’s in your company’s best interest to keep good workers happy.

In its 2015 “Compensation Best Practices Report,” PayScale uncovered that employee retention was a top concern among the more than 5,500 business leaders surveyed. The combined costs of recruiting, hiring and training can set employers back a whopping 20% of the salary of an employee who leaves for greener pastures.

As for your personal bottom line, even if you don’t score the full amount you want, a modest increase that’s put to good use can still boost your financial big picture.

“If you make $100,000, and get a 3% raise, that’s $3,000,” Snyder says. “Now assume you get only that amount every year for the next 20. Even if you invested just $1,000 a year, and got a 7% [compound] return, you’ll have put away $20,000—but end up banking more than twice that.”

Fear-Based Move #4: Rebalancing Your Investments Too Often

Intellectually, you understand that some degree of stock market volatility is unavoidable.

But that doesn’t stop you from constantly rejiggering your asset mix, or selling your worst performing stocks on any given day—and racking up gobs of transaction fees (and headaches) in the process.

And here’s the rub: Even fund managers whose jobs depend on their ability to beat the market rarely do. A recent S&P Dow Jones Indices Scorecard report found that nearly 90% of active investors missed their benchmarks over the last five years.

How to Quell the Fear Clayman says the first step to fighting this harmful urge is to understand why you’re so freaked out by market fluctuations.

“Anticipate that, as a human being, you’re highly emotional, and that money will push your buttons,” she says. “That’s why you need a plan that addresses the issues of volatility and risk—and that has rules for when you should buy and sell.”

Snyder recommends constructing that plan by promising yourself that you’ll rebalance only when your target allocations get out of bounds by more than a specified amount you’ve predetermined.

For example, when it comes to your stocks and bonds split, you might decide the magic number you’re comfortable with is 5%. So don’t even think about playing with your portfolio if your assets are only, say, 4% off balance. “That’ll take the emotion out of rebalancing,” Snyder says.

Fear-Based Move #5: Refusing to Face Money Facts

You’ll be hard-pressed to find someone with a spotless financial track record. We’ve all made mistakes, like racking up debt, splurging too often or forgetting to pay a bill before the due date.

While you don’t have to be perfect, you do need to make steady progress toward better money habits—but that can’t happen if you bury your head in the sand.

How to Quell the Fear According to Klontz, this avoidance behavior is so common that it has a name: financial denial.

“It stems from ‘learned helplessness,’” says Klontz, explaining that people avoid negative situations when previous experiences have led them to believe something’s not in their control. “As a result, they don’t have the confidence to face reality.”

The good news? A lack of confidence isn’t insurmountable. You can ease into a healthier mind-set by creating a get-real plan made up of bite-sized to-dos.

“Start by putting an hour per week toward tracking, organizing and managing your financial life—and break it down into subtasks,” Clayman says.

For example, one day might include nothing more than accessing and printing out your credit reports. The next day, review them and make a list of questions or items you need to research or follow up on with a professional. And each time you sit down to review your finances, strive to tackle just one or two more to-dos.

“Giving yourself action steps that keep you moving forward—without jumping in all at once—is the key to overcoming fear and inertia,” Clayman says.

And keep in mind that ending the cycle of financial avoidance is really about empowering yourself to make better decisions that’ll bring you more wealth. “You simply cannot plan for the future or increase your net worth if you do not know your numbers,” Snyder says.

Fear-Based Move #6: Putting the Brakes on Taking a (Calculated) Leap of Faith

After scrimping, saving and strategizing for years, you’re finally ready to make that dream career move by launching your own business.

Correction: You’re financially ready, but the fear of walking away from a secure paycheck is putting the brakes on your momentum.

How to Quell the Fear The secret to overcoming a fear of not having enough lies in redefining the word “enough,” Clayman says. Even if the best advice is to have, say, a year’s worth of living expenses banked before going out on your own, you have to be comfortable with that benchmark.

If you aren’t, create your own goal and devise a contingency plan. “In general, the more income you’re giving up, the better it is to keep your fixed costs low and lean [during transition],” Clayman says, adding that strategies like keeping your old, reliable car a little longer are easy choices that can allow you to weather a temporary earnings dip.

But if you hit your savings goal, and your mental block is still holding you back, Klontz suggests searching for a happy medium that allows you to “shoot for the stars, but also hedge your bets.”

For example, if you’re a marketer who’d rather spend your days making furniture, you don’t have to choose one gig over the other. You can experiment with e-commerce shops, exhibit at local markets on the weekends, and learn firsthand what it’s like to run a business well before you ditch your day job for good.

In the end, achieving momentum toward your dreams—and a heftier net worth—isn’t an all-or-nothing game. It simply requires putting forth consistent effort toward whatever accomplishment will make you happy.

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LearnVest Planning Services is a registered investment adviser and subsidiary of LearnVest, Inc., that provides financial plans for its clients. Information shown is for illustrative purposes only and is not intended as investment, legal or tax planning advice. Please consult a financial adviser, attorney or tax specialist for advice specific to your financial situation. Unless specifically identified as such, the individuals interviewed or quoted in this piece are neither clients, employees nor affiliates of LearnVest Planning Services, and the views expressed are their own. LearnVest Planning Services and any third parties listed, linked to or otherwise appearing in this message are separate and unaffiliated and are not responsible for each other’s products, services or policies.