Debt isn’t only about numbers. For many of our clients in their 40s and 50s, it’s about the emotional weight that debt brings.
We’ve spoken to professionals who say:
- “I can’t sleep. I just keep replaying bills in my head.”
- “I feel like a fraud at work; successful on the outside, panicked inside.”
- “I don’t tell anyone because I’m ashamed.”
Why debt feels heavier in midlife
In your 40s or 50s, debts can feel particularly suffocating because:
- You may have children or dependents relying on you
- Divorce or separation adds financial strain
- Retirement is on the horizon, and debt feels like a ticking clock
- The pressure to “hold it all together” is higher than ever
Research from the FCA shows over 40% of adults in problem debt also experience mental health issues like anxiety or depression.
How we help ease the stress
At Dexter Bell, we don’t just look at the numbers. We look at you as a person. Our approach:
- Confidential conversations – No judgement, no raised eyebrows.
- Practical solutions – From DMPs to IVAs, explained in plain English.
- Lighter load – Creditors contacted, interest often frozen, one payment instead of many.
Our message to midlife professionals
Debt stress isn’t weakness. It’s the natural response to being under too much pressure. Getting help is a sign of strength and it can change everything.
