The some telling figures appeared in an article on Advisor.ca, an online newsletter to which I subscribe. At first, I thought it was simply showing support for the work I do as a financial educator and advisor. Yet, after pondering the statistics further, I realized there was a huge clue to building personal wealth that would likely be overlooked by most readers.Nearly half (46%) of all respondents reported feelings of anxiety when confronted with their finances. Those feelings subside slightly as incomes rise, but even among those with a household income over $100,000 more than one-third said they had lost sleep worrying about money.

The single greatest concern regarded retirement with 43% worrying they would not have "enough" money to fund their post-work years. Spending beyond one's means was the second most frequently cited concern, at 20%.

Only one-quarter of respondents said they felt completely fluent in money matters, with 71% admitting they needed help understanding their finances. And 51% said financial institutions were only making matters more complicated.

Interesting statistics, and ones I would agree with given the type of conversations I have with money minding members on a regular basis. It seems that this article is just restating what everyone already knows - so my question is, "What's the answer?"

First, the article has demonstrated a general awareness of the anxiety surrounding money topics. It has also uncovered the key areas of money stress and that the situation exists regardless of income level. These aren't new statistics.

Armed with this awareness, it's clear that simply taking some courses on money matters, or finding a new advisor to work with, is not the answer. We also know that setting a goal to save more money or make better investment decisions isn't the answer either. If it was as easy as recognizing the stress, and setting a goal to address the area of concern (retirement or debt management for example), everyone would have done it long ago.

The answer is much more subtle because recognizing the fear and facing it is actually like pouring salt on an open wound - it's painful. I heard an amazing speaker tell her story of struggling with a cancer diagnosis. She said the distance between where you are and where you want to be (or where you expect to be) is like a yawning chasm. It's a gap that needs to be closed. Yet the path to closing the gap isn't usually known because no one wants to admit they have concerns that they might not be on the right path.

There is also the perception of a huge obstacle of time, work, money or some sort of physical or emotional energy that will be necessary to crossing the chasm and closing the gap. So, most people do nothing and pretend the situation isn't there, all the while secretly hoping it will go away or a windfall of money will come (the lottery thinking) and solve all their problems so they don't have to expend the energy to closing the gap on their own.

The answer to money stress, and the secret to building wealth from this awareness, is to start right where you are with the awareness of your anxiety; to be grateful for where you are because now you have a place to map out your journey towards your goal. Without this first step, you don't even know where the road starts let alone which road to take. When you have a starting place and a destination, you can start to ask questions to get answers to the things that might seem daunting until you face the fears, face the unknown, face the potential 'what if' and take one small step at a time to accelerate your results and increase your performance.