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How Five to Thrive can help families with financial worries manage stress

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Money worries create enormous stress in families—sometimes called toxic stress when it’s constant and overwhelming. But when adults use Five to Thrive to stay connected, responsive, and nurturing, they help buffer children against the negative impact.

While Five to Thrive doesn’t solve financial hardship directly, it can be a powerful tool to help families manage stress, strengthen bonds, and support children’s emotional wellbeing during tough times.

Here’s how Five to Thrive supports financial stress when it's effecting the family:

🟥 Respond

✅ What this looks like:

  • Staying emotionally available, even when you are stressed.
  • Noticing when your child is worried or acting out because they sense tension.
  • Offering comfort and reassurance: “I know things feel hard right now. You are safe and loved.”

✅ Why it matters:

Children often pick up on anxiety but don’t understand it. Responsive care helps them feel secure even when circumstances are uncertain.

🟧 Engage

✅ What this looks like:

  • Spending positive time together that doesn’t cost money (walks, playing games, cooking together).
  • Keeping routines to create stability.
  • Staying connected to supportive people or community services.

✅ Why it matters:

Engagement helps protect against feelings of shame, isolation, and fear that often come with financial hardship.

🟩 Relax

✅ What this looks like:

  • Building calming moments into your day—deep breaths, quiet time, bedtime stories.
  • Finding ways to self-regulate so you can be present for your child.
  • Encouraging relaxation for your child, even in stressful times.

✅ Why it matters:

Stress impacts everyone’s nervous system. Relaxation routines help keep anxiety from escalating.

🟦 Play

✅ What this looks like:

  • Free or low-cost play: drawing, singing, park visits, imaginative games.
  • Using play to strengthen relationships and let off steam.
  • Finding joy together, even during hardship.

✅ Why it matters:

Play builds resilience and supports healthy brain development—especially important in adversity.

🟪 Talk

✅ What this looks like:

  • Talking honestly (in an age-appropriate way) about what’s happening.
  • Naming feelings: “We don’t have much money for treats right now. That feels hard.”
  • Reassuring your child that it’s not their fault.

✅ Why it matters:

Talking helps children process worries and feel included rather than confused or afraid.
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