The self-esteem factor of not having enough money is underestimated. You know what I mean don't you? The agony of financially struggling and the ecstasy of financial abundance are dramatically different moments in a person's life. And I for one would choose the abundance over the struggling any day.

A particular emotional challenge structured settlement and annuity recipients face is the dilemma of having money but not having access to it. You have money coming to you but it is out of reach. The annoyance of such a situation would be exacerbated by a period of financial stress. Imagine if you were going to lose your home, and you have $300,000 coming to you over the next 20 years, but you can't access that future money to meet your immediate needs.

Financial stress can be the catalyst of a downward spiral. Depression, addiction, isolation, are just a few of the storms spawned by the weight of financial burden. Instead of being dragged down, find help, find an answer to your money concerns, find a way to get out from under the weight of money worry. Professional counseling in both the mental health and financial strategies areas of your life could get you on the healthy and happy track.

If necessary, there are ways to cash out annuities and cash in on future payments. There are settlement companies that have the means and legal experience to accelerate your payout for a lump sum of cash now. Exercise caution and seek legal and financial advice when dealing with these third party settlement companies. The cost of getting an advance on future payments can be exorbitant. But the emotional cost of not getting help when you are struggling financially can be even more costly.

Jason Rigler http://www.ppicash.com Educating structured settlement recipients and lottery winners nationwide.