‘Relentlessly debilitating’: The chronic symptoms of Lyme disease

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By Karen Garcia, Los Angeles Times

LOS ANGELES — Grammy award-winning pop star Justin Timberlake, 44, recently took to Instagram to share his diagnosis of Lyme disease, a bacterial infection that he said was “relentlessly debilitating, both mentally and physically.” His statement comes on the heels of criticism from fans who felt he was under-performing during his recent world tour.

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“When I first got the diagnosis I was shocked for sure,” the post stated. “But, at least I could understand why I would be onstage and in a massive amount of nerve pain or, just feeling crazy fatigue or sickness.”

Lyme disease is an infectious disease caused by borrelia burgdorferi, a bacterial species that can spread to people and animals from the bite of a deer tick — also called a black-legged tick — carrying the bacteria, according to the Mayo Clinic.

Experts say ticks that carry the bacteria live throughout most of the United States, although the incidence of Lyme disease is far less prevalent in California than it is in the American Northeast, Midwest and mid-Atlantic states. (The disease is named after the town of Lyme, Connecticut, where an outbreak was first identified in the 1970s.)

In California, western black-legged ticks are carriers of Lyme disease and are commonly found in northern coastal counties and in the foothills of the Sierra Nevada mountains, according to the California Department of Public Health.

Between 2013 and 2019, there were 904 new cases of Lyme disease in the state. During that time period, the average rates of Lyme disease were highest in Santa Cruz (4 cases per 100,000 people), Humboldt (about 3 cases per 100,000 people) and Sonoma counties (about 2 cases per 100,000 people).

Lyme disease often goes undiagnosed “due to the breadth and migratory nature of its symptoms — ranging from headaches and fatigue to joint pain, body aches, balance issues, memory loss, myocarditis, anxiety, insomnia, and depression,” the Bay Area Lyme Foundation, a nonprofit that studies the disease, stated in a post on X.

Most people completely recover from the disease when treated with a two- to four-week course of antibiotics. Others have prolonged symptoms of fatigue, body aches or difficulty thinking, according to the U.S. Centers for Disease Control and Prevention.

How a tick-infected bite leds to Lyme disease

When a bacteria-infected tick bites a person or animal, the bacteria is released from the mouth of the tick and into the bloodstream, where it can then spread throughout the body, according to Bay Area Lyme Foundation.

If a tick becomes attached to your skin, the CDC recommends you remove it as soon as possible. Consult your healthcare provider if you show any symptoms of the disease.

Symptoms of lLyme disease

Your body’s reaction to the infection varies from person to person and symptoms show up in stages. Some people with Lyme disease don’t have symptoms in the early stages of the infection, according to the Mayo Clinic.

Common symptoms of Lyme disease are fever, rash, facial paralysis, an irregular heartbeat, and arthritis. These symptoms can happen in stages.

During the first stage, which occurs three to 30 days after a tick bite, a person can develop a circular rash around the site of the bite. The rash can become clear in the center, and resemble a target or bull’s-eye.

During this first stage, infected people can experience a fever, headache, extreme tiredness, joint stiffness, muscle aches and pains or swollen lymph nodes.

In the second stage, which occurs three to 10 weeks after a bite, symptoms can escalate. They include:

Rashes on other parts of the body
Neck pain or stiffness
Muscle weakness on one or both sides of the face
Immune-system activity in heart tissue that causes irregular heartbeats
Pain that starts from the back and hips and spreads to the legs
Pain, numbness or weakness in the hands or feet
Painful swelling in tissues of the eye or eyelid
Immune-system activity in the eye nerves that causes pain or vision loss

Symptoms in the third stage of the disease, which begins two to 12 months after a tick bite, include arthritis in large joints, particularly the knees. Pain, swelling or stiffness may last for a long time or can come and go.

People with prolonged symptoms of Lyme disease, called Post-Treatment Lyme Disease syndrome, usually get better over time without additional antibiotics, but it can take many months to feel completely well, according to the CDC.

The cause of prolonged symptoms is unknown.

Be aware of a tick’s home, how to protect yourself

Ticks are commonly found in outdoor areas with grass, shrubs, rocks, logs and fallen leaves.

You don’t have to avoid these areas, but should instead wear protective clothing to prevent a tick from latching onto your skin.

Before you go on your outdoor activity, plan to wear long-sleeve shirts and pants. With your protective clothes on, apply insect repellent to garments and exposed skin, according to the state public health department.

During your hike, check yourself and any pets for ticks that might be crawling on you. If you do see a tick, remove it right away.

When you return home from your excursion, inspect your clothes, body and scalp for any ticks. Toss the tick-free clothes in the laundry and take a shower.

If you found a tick on your clothes put clothing items in a hot dryer for 10 minutes, that will kill the insect.

Health experts recommend you continue to check your body for any sign of ticks for three days after being outside in areas where ticks reside.

©2025 Los Angeles Times. Visit at latimes.com. Distributed by Tribune Content Agency, LLC.

A common sight at concerts, nitrous oxide abuse is soaring, prompting health concerns

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Every party needs balloons. These just happen to be filled with laughing gas.

“We don’t do it that often. It’s funny for about 30 seconds,” said a concertgoer outside Red Rocks Amphitheatre, who was preparing to inhale nitrous oxide from a balloon before The String Cheese Incident played there in mid-July. She requested anonymity for fear of job reprisal. “There’s not really that much thought to it. It’s a stupid drug. The dumbest out of them all.”

Perched in the bed of a silver pick-up with friends in Lower South Lot 1, the 20-something woman pinched the end of the pastel blue balloon as she brought it to her lips, then inhaled until the balloon went limp. A minute or so of euphoric wooziness followed, and her voice briefly dropped in pitch due to the density of the gas. Elsewhere in the parking lot, vendors — nitrous tanks poking out of their trunks — were selling balloons in different sizes, at $10 to $30 a pop. (Vendors approached by The Denver Post at Red Rocks weren’t interested in commenting.)

Nitrous oxide powers whip cream canisters and sedates patients in dentists’ offices, but huffing it for fun can lead to addiction, injury and death. Still, the practice is becoming more common, not just in parks and concerts, but in widely imitated viral videos. A wave of colorfully branded new nitrous products has alarmed medical professionals who see it as a public health problem that’s hard to track, treat and warn against — even as most users consider it to be harmless fun.

Balloons and cannisters, known as whippets, have been a common sight for decades in concert-venue parking lots, particularly in Colorado’s thriving jam-band scene at Phish, Dead and Company, Widespread Panic, and other shows. It’s cheekily known as “hippie crack” because of its association with those bands, and people can buy nitrous from vendors at the unofficial marketplace of drugs, jewelry and merchandise that often accompanies these shows.

The gas is perfectly legal to buy (for those over 18) when used for medical or culinary purposes, though not for recreational use. Nevertheless, it is widely available in head shops and online.

But when used incorrectly — and not, for example, under the supervision of a dentist — inhaling nitrous “can lead to asphyxiation and, if deprived of too much oxygen, life-threatening seizures or even death,” said Shireen Banerji, director of Rocky Mountain Poison & Drug Safety.

In addition to the potential for brain damage, recreational users can get frostbite of the mouth and soft palate, according to a New England Journal of Medicine study that documented a severe injury involving the mouth and throat. It’s a condition sometimes referred to as “lung freeze.”

Despite the risks, nitrous abuse appears to be growing — and trendy. Between 2019 and 2023, the U.S. saw an alarming, 110% increase in deaths due to hypoxia (or oxygen deprivation to the brain) stemming from nitrous oxide abuse, according to researchers. Nitrous-related emergency room visits grew by 32% over five years, said the Drug Abuse Warning Network. The data did not include the number of visits or people affected.

Data from the National Survey on Drug Use and Health published in 2024 showed that 13 million people have tried nitrous for recreational purposes in their lifetimes, as compared with 224.3 million people ages 12 and older who have tried alcohol.

Notably, 2.9 million Americans 12 and older used inhalants in the past year, according to the survey. That covers nitrous oxide, but also poppers, household solvents and aerosols. The survey found that roughly 564,000 people aged 12 to 17 also used inhalants within the last year.

Social media seems to be glorifying it, and posts about nitrous have racked up tens of millions of views, while the companies that sell — such as Galaxy Gas, ExoticWhip, and Monster Gas — are offering newly cand-colored branding, according to the U.S. Food and Drug Administration, which renewed warnings of nitrous abuse and addiction this year.

The result is a resurgence that has burnished nitrous’s longtime reputation among users as a cheap, easy high — and one that has leaked out of concert parking lots and into the mainstream.

A man walks through Lower South Lot 1 parking lot at Red Rocks Park and Amphitheatre with three large balloons filled with nitrous oxide before The String Cheese Incident concert in Morrison, Colorado, on Saturday, July 19, 2025. (Photo by Andy Cross/The Denver Post)

Easy to get

The latest FDA warnings on nitrous were prompted by “an increase in reports of adverse events after inhalation …” according to a June update from the agency. That means increased risks of vitamin B12-deficiency and “related neurological and hematological effects associated with heavy use,” said the National Institutes of Health. Researchers from the Centers for Disease Control, the University of Mississippi, Michigan’s Wayne State University and others have also expressed concern this year about the rise they’ve documented in nitrous addiction and attributed deaths.

On Reddit, however, users casually discuss buying 35 to 50 lb. tanks of food-grade nitrous before concerts from Phish and Billy Strings, whether from Denver wholesalers such as Tanks Express and Gargamel’s Kitchen, or local head shops like Purple Haze and online retailers such as Amazon, eBay and Walmart.

Tanks Express, which uses images from “Fear and Loathing in Las Vegas” to advertise 24/7 delivery of nitrous tanks to Denver and Boulder customers on Instagram, did not respond to a request for comment. Gargamel’s Kitchen owner Jacob Catanzarite agreed to an interview but did not respond to follow-up messages.

Nitrous-product sales have gone up in recent months at Myxed Up Creations, said Kyle Manibusan, assistant manager at the 5800 E. Colfax Ave. head shop location. He doesn’t question why people buy nitrous products there, but he does like to give “some knowledge and responsibility” before they purchase it, he said.

“This product can be used for many different things, including food services,” he said. “But you’re an adult and you know what you’re using it for.”

His store sells chargers — or small, individual propellant canisters — in boxes of 50 from brands such as Erotica and Whip-It! A metal rack along the back wall contains larger canisters from Space Gas, Euro Gas and Hippie Whippy.

Even as sales have risen, Manibusan said he’s been concerned by the sight of spent chargers strewn across playgrounds and parks in Aurora. His shop only sells to customers 21 and up, and he said he believes kids shouldn’t go anywhere near it.

Aurora city officials have said it’s an under-regulated market that overlaps with the sale of illegal drugs and paraphernalia available at gas stations. As a result, they will be voting this month on whether to ban them and step up enforcement.

In comparison to the rise of nitrous, the use of e-cigarettes and vaping devices among middle and high school students declined between 2023 and 2024 by 5.9% — or about 1.63 million students, according to the FDA — from a high of 7.7% (or 2.13 million). Researchers credited public awareness campaigns for that, and have expressed support for new ones that target teenage nitrous abuse.

From left, Phish keyboardist Page McConnell, guitarist Trey Anastasio, bassist Mike Gordon and drummer Jon Fishman perform on the first evening of a three night run at Folsom Field at the University of Colorado in Boulder, Colo., on Thursday, July 3, 2025. (Eli Imadali/Special to The Denver Post)

At the state level, nitrous abuse is hard to track.

“This is mainly because it’s quick-acting and often used as a supplemental drug alongside other substances, making it difficult to pinpoint,” said Denver Health spokeswoman Deydra Bringas. She said ER-visit data for nitrous side effects is insufficient enough to share.

However, Rocky Mountain Poison & Drug Safety director Banjeri said anecdotal data and national reports show that the 3 to 5 calls her office receives each year “very much underestimates what’s really going on, because it’s respiratory and not something you treat over the phone.”

A man holds a large ballon filled with nitrous oxide that he later inhaled from in a parking lot at Red Rocks Park and Amphitheatre before The String Cheese Incident concert in Morrison on Saturday, July 19, 2025. (Photo by Andy Cross/The Denver Post)

Concert enforcement varies

Parking lot security at the city-owned Red Rocks is handled by park service employees and off-duty cops, and paid for by venue owner Denver Arts & Venues. It is not the responsibility of concert promoters, said Denver Arts & Venues spokesman Brian Kitts. Security officials at Red Rocks can occasionally be seen patrolling the parking lots before, during and after shows. But they hardly ever bust illegal drug users and vendors, concertgoers told The Denver Post.

There are no reports or citations for nitrous use or sales from the Red Rocks parking lots this year, according to the Denver Police Department. However, at Phish’s July 3-5 concerts at the University of Colorado’s Folsom Field, security officials seized 61 nitrous oxide tanks and issued one citation related to nitrous oxide throughout the three-day series, said CU’s Director of Issues Management and spokesperson Nicole Mueksch.

The nitrous tanks were confiscated under a city ordinance stating that no one can knowingly inhale fumes for the purpose of causing “euphoria, excitement, exhilaration, stupefaction, or dulled senses of the nervous system” — nor can they possess or buy “toxic vapors” for that reason.

The spike in abuse is having a corrosive effect on the jam-band scene, said Khalil Simon, leader of the Denver street-music group Brothers of Brass, which often plays in parking lots before concerts.

“When you have 20 tanks going off all around you, it’s one of the few things that can cut through a 9-piece brass band with horns and drums,” said Simon, the band’s tuba player, who largely quit playing Phish shows due to the “out of control” takeover of nitrous vendors.

“You’re also trying to play for tips and everyone’s spending all the cash in their pockets on these balloons,” he said.

Simon posted on Facebook last year that Brothers of Brass were done with Phish, despite eight years of well-received shows outside its concerts. The group began following Phish around the country in 2016 — starting at the band’s annual Dick’s Sporting Goods Park run in Commerce City — and busking in the ad-hoc markets that popped up before shows (Shakedown Street, as they’re generally known, after the Grateful Dead song).

In some cases, his band would collect thousands of dollars in tips in a couple of hours, whether outside Phish weekends in New York City or along the Front Range. Over the past two years, however, nitrous vendors have muscled out nearly every other aspect of that scene, he said.

“This is one of those cases where drug dealers win,” he told The Denver Post. “They’re being persistent for years and years and multiplying, and cops don’t do anything.”

Commerce City Police, who handled security outside Phish’s Dick’s Sporting Goods Park shows, did not respond to requests for comment.

“Way worse than weed”

“I know Colorado’s drug-friendly, but I didn’t know it would blow up like this. Kids are losing their brain cells now that it’s been rebranded,” Simon said. “It’s way worse than weed or anything like that. It straight up makes you dumb.”

“There is also the issue of long-term effects,” Rocky Mountain Poison and Drug Safety’s Banerji said. “Chronic use can result in anemias and effects to the brain, blood, spinal cord and nervous system. It’s not harmless. But people still don’t think of it in terms of chronic toxicity.”

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She encouraged anyone with questions about nitrous oxide to call Rocky Mountain Poison & Drug Safety’s free, 24/7 anonymous hotline at 866-871-4980 or learn more at rmpds.org.

Most users dismissed side effects and medical concerns when asked about nitrous outside Red Rocks. Some were planning on bringing drugs such as psilocybin mushrooms and cannabis inside with them for the show, but leaving the “dumb fun” of whippets in the parking lot.

“We do it for the ‘whomp whomp,’” said a woman holding a translucent balloon that had been filled by a golden-colored tank in her trunk. She and her friends, who described the experience as blissfully disconnected, declined to give their names due to professional concerns. Among them was a government employee, a scientist, and a business owner, they said.

“Our perspective is that there’s no safe way to use it recreationally,” Banjeri said. “At the very least, you should have your friends around you, so they can help if something happens.”

Boar’s Head plans to reopen troubled deli meat plant, but reports of sanitation problems persist

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By JONEL ALECCIA, Associated Press Health Writer

The Boar’s Head deli meat plant at the heart of last year’s deadly food poisoning outbreak is set to reopen in the coming months, company officials said.

But recent inspections at Boar’s Head sites in three states documented sanitation problems similar to those that led to the listeria contamination that killed 10 people and sickened dozens.

The Jarratt, Virginia, plant was shut down in September when U.S. Agriculture Department officials suspended operations and withdrew the federal marks of inspection required to operate, saying the company “failed to maintain sanitary conditions.” Boar’s Head permanently stopped making liverwurst and recalled more than 7 million pounds of deli products.

USDA officials this week said they had “thoroughly reviewed” the plant and lifted the forced suspension on July 18.

FILE – A sign marks the entrance of the Boar’s Head processing plant in Jarratt, Va., on Thursday Aug. 29, 2024. (AP Photo/Steve Helber, File)

“The facility is in full compliance of the guidelines and protocols set for the safe handling and production of food and the serious issues that led to suspension have been fully rectified,” officials with the USDA’s Food Safety and Inspection Service said in an email Wednesday.

And yet, documents obtained by The Associated Press through a freedom of information request show that Boar’s Head plants in Arkansas, Indiana and elsewhere in Virginia were flagged for the same kinds of sanitation problems that led to the outbreak, with the most recent report in June.

In the past seven months, government inspectors reported problems that include instances of meat and fat residue left on equipment and walls, drains blocked with meat products, beaded condensation on ceilings and floors, overflowing trash cans, and staff who didn’t wear protective hairnets and plastic aprons — or wash their hands.

The records, which included USDA noncompliance reports logged by inspectors from Jan. 1 through July 23, raise new questions about the company’s promises to address systemic problems and about federal oversight of listeria contamination in plants that make ready-to-eat foods.

“If there is evidence that food safety problems are continuing, the government needs to make sure the company fixes them,” said Sandra Eskin, a former USDA official who now heads STOP Foodborne Illness, a consumer group focused on food safety.

Agriculture Secretary Brooke Rollins last month announced plans to bolster efforts that combat foodborne germs, including listeria.

Jobs posted in Virginia

Officials at Boar’s Head, the 120-year-old company based in Sarasota, Florida, have posted job openings for two dozen positions, including a food safety quality analyst, at the Jarratt site.

The company convened a panel of expert advisers last fall and hired a chief food safety officer in May. The advisers include Frank Yiannas, a former U.S. Food and Drug Administration official, and Mindy Brashears, President Donald Trump’s nominee for USDA’s undersecretary for food safety.

FILE – An aerial view of the Boar’s Head processing plant in Jarratt, Va., on Thursday Aug. 29, 2024. (AP Photo/Steve Helber, File)

Boar’s Head last year said they “regret and deeply apologize” for the contamination and that “comprehensive measures are being implemented to prevent such an incident from ever happening again.”

But company officials refused to discuss the problems found this year. They canceled a scheduled AP interview with Natalie Dyenson, the new food safety officer. And they declined to allow Yiannas to detail the investigation he led into the contamination’s cause.

Brashears, who now directs a food safety center at Texas Tech University, did not respond to requests for comment about the Boar’s Head problems. An automatic email reply said the USDA nominee was traveling out of the country until Aug. 25. She remains on the company’s food safety board.

“Boar’s Head has an unwavering commitment to food safety and quality. That commitment is reflected in recent enhancements to our practices and protocols” described on the company’s website, Boar’s Head said in an emailed statement.

“We have also been working with the USDA in developing a plan to reopen our Jarratt facility in a measured, deliberate way in the coming months,” the statement said.

Inadequate sanitation practices

The 35 pages of new inspection findings cover Boar’s Head sites in Forrest City, Arkansas; New Castle, Indiana; and Petersburg, Virginia.

They surprised outside food safety advocates, who said that factory conditions should have improved in the year since the outbreak was first identified.

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“You would have expected after all they went through that they would put themselves in a place where you could essentially eat deli meat off the factory floor,” said Brian Ronholm, director of food policy for Consumer Reports, an advocacy group.

Rep. Rosa DeLauro called the findings “appalling.”

“This is a pattern of negligence — cutting corners to protect the company’s bottom line at the expense of consumers and these conditions show a complete disregard for food safety and for the public health of the American people,” the Connecticut Democrat said in a statement.

The findings echo the “inadequate sanitation practices” that USDA officials said contributed to the outbreak. Key factors included product residue, condensation and structural problems in the buildings, a January report concluded.

At the Jarratt plant, state inspectors working in partnership with USDA had documented mold, insects, liquid dripping from ceilings, and meat and fat residue on walls, floors and equipment, the AP previously reported.

While no instances of insects were documented in this year’s inspection reports, there were repeated reports of “dried fat and protein from the previous day’s production” on equipment, stairs and walls. In April, an inspector at the Petersburg plant reported finding discarded meat underneath equipment, including “5-6 hams, 4 large pieces of meat and a large quantity of pooling meat juice.”

Other reports detailed beaded condensation “directly over the food contact surfaces of tables and conveyor belts.” Additional reports documented rusting meat racks, doors that failed to close completely and staff who ignored required handwashing stations.

The reports point to a “food safety culture problem,” said Barbara Kowalcyk, who directs a food safety and nutrition security center at George Washington University.

“What jumped out to me is there is an organizational culture issue that needs to be changed,” she said. “Usually that culture has to start at the top.”

In the meantime, she advised consumers to think carefully about deli meat consumption. Older people and those who are pregnant or have weakened immune systems are especially vulnerable to serious illness from listeria infections.

“I think they need to be aware that there are issues at this organization that still are not completely under control, apparently,” Kowalcyk said.

Boar’s Head faced multiple lawsuits from people who fell ill or from the families of those who died. Several survivors declined to comment publicly on the new problems, citing financial settlements with the company that included nondisclosure agreements.

The Associated Press Health and Science Department receives support from the Howard Hughes Medical Institute’s Department of Science Education and the Robert Wood Johnson Foundation. The AP is solely responsible for all content.

Four Frequent Money Worries – And What To Do About Them

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Nearly 4 in 5 Americans agree — the state of their finances is a matter for concern.

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More precisely, 79% had specific concerns when asked about their “current financial situation” earlier this year, in an April 2025 NerdWallet survey conducted online by The Harris Poll. All told, 64% of Americans had one or more worries about not having enough money saved, 44% about having too much debt and 26% about not making enough money.

While financial journeys vary from person to person, some experiences may be more common than you realize. Here’s some guidance on handling four of the most common money concerns, as revealed by the survey.

1. Not having enough saved for emergencies

Americans only save about 4.3% of their income, according to the U.S. Bureau of Economic Analysis. So it’s probably to be expected that about 2 in 5 Americans (41%) are concerned about not having enough money saved for emergencies, according to the survey.

Keeping a respectable emergency fund can help insulate your finances if you face unexpected expenses. This is a buffer — so it should be in addition to money saved for other goals, like retirement.

Ideally, you should aim to build up liquid savings of three to six times your core monthly expenses. If that sounds daunting, start small. Use a savings goal calculator to figure out how much you need to set aside each month to reach your target.

In addition to a savings account, evaluate your insurance needs to make sure you and your loved ones are covered in the case of a major emergency. Illnesses and injuries that keep you from working can quickly deplete your savings, so you might consider a disability insurance policy. And if someone besides you relies on your income — like kids, a spouse or aging parents — term life insurance can safeguard them in the event of your death. Some employers offer disability and life insurance policies as part of a benefits package; talk to your company’s HR professional.

2. Too little retirement savings

Nearly 2 in 5 Americans (39%) cited “not having enough saved for retirement” as a financial concern in the survey.

This isn’t totally surprising — families have just $87,000, on average, in retirement savings, according to the Federal Reserve’s 2022 Survey of Consumer Finances. That’s even though a recent study by the Transamerica Center for Retirement Studies found 87% of Americans in the private sector eventually plan to retire.

So what can you do?

One popular idea is the 50/30/20 budget, which suggests using 20% of take-home pay to save, invest for retirement and pay down debt. We recommend taking advantage of any match your company offers in a workplace retirement account, like a 401(k). You also might consider setting up other retirement accounts outside of your workplace, like a Roth IRA.

3. Too much credit card debt

About 1 in 4 Americans (23%) are concerned about having too much credit card debt. NerdWallet’s annual Household Credit Card Debt Study found that Americans with credit card debt owed over $10,000, on average, in 2024.

Carrying a credit card balance from month-to-month is costly, so paying down this debt should be a high priority. There are many strategies for paying off these high-interest debts.

One popular option, known as the debt snowball, focuses on paying off your balances from smallest to largest. Once your first balance is paid down, you can apply more to the next smallest balance, and so on. Another strategy — the debt avalanche — calls for putting that money towards paying down your highest interest balances first.

Of course, the best debt payoff plan for you is the one you’ll stick with.

If your credit is in good standing, a no- or low-interest balance transfer credit card could buy you some time to address your debt load. If your credit is suffering and you can’t keep up with your payments, a debt management plan from a nonprofit credit counseling firm could lower your balances and/or payments to make them more manageable.

4. Not making enough money

More than 1 in 5 Americans (21%) are worried about “not making enough money at my job.”

This is another concern backed up by the data. Growth in real median personal income has been relatively flat since 2019 according to the Census Bureau, and the Bureau of Labor Statistics consistently finds that 1 out of 3 college graduates is underemployed — meaning their job doesn’t require their level of education.

The most direct solution is to ask for a raise. Though these conversations can be difficult, they’re often worth the discomfort.

If you’re unable to get a raise, consider ways to make money outside of a full-time job. That can mean a part-time job or gig work, if you have the capacity to work more hours.

But more money might not be the answer. After all, the concern about making too little money was similar across income groups, with no statistically significant difference between the highest and lowest earners, according to the survey.

Luckily, people across the income spectrum can often find ways to lower their monthly bills. Ditching unused subscriptions, finding a less expensive cell phone plan and shopping around for better insurance rates are easy ways to get started.

The survey also had a bit of good news. Roughly 1 in 5 Americans (21%) say they don’t have any concerns about their personal financial situation. That’s the same share of the population as Texas and California combined, according to 2024 data from the U.S. Census.

The complete survey methodology is available in the original article, published at NerdWallet.

Daniel Lathrop writes for NerdWallet. Email: articles@nerdwallet.com.