“Financial stress seems to trump almost every other type of stress except health stress.” You can be carrying hidden programming that is specifically blocking your money, wealth, enjoyment of money, capacity for relationships, etc… literally setting the amount of money, wealth, happiness, and debts you have in your life.   Money stirs up emotions.  Financial education is often seen as the solution that is important but not enough.  The more "negative" emotions someone has attached to money the less likely they are to deal with it and anything related. And if they do just force themselves to push through it becomes overwhelming leaving them little energy and space left to engage in other areas of their lives like marriage, parenting, spirituality, etc.

Understanding the dynamics of your financial situation's thoughts and beliefs gives you the power to change it.