Which of the following can lead to increased financial stress?

Unexpected legal expenses can significantly contribute to increased financial stress. Legal issues often arise suddenly and can be both complex and costly. Individuals may not always have planned for these expenses, leading to unanticipated strain on their budgets. When faced with such situations, individuals may find it challenging to allocate funds for legal fees, which can disrupt their financial stability and lead to anxiety about their overall financial situation. This type of stress is compounded if the individual does not have sufficient savings or resources to absorb the shock of these expenses, thus amplifying feelings of financial insecurity.

In contrast, consistent budgeting practices, stable employment, and sufficient emergency savings are factors that can promote financial well-being and reduce stress. They create a safety net and routine that help individuals manage their finances effectively and be prepared for potential emergencies.