Machiavellianism is a personality trait characterized by manipulativeness, deceitfulness, high levels of self-interest, and a tendency to see other people as means to an end. People who display especially elevated levels of Machiavellianism—referred to by some psychologists as “high-Machs”—lack empathy and take a cynical, unemotional view of the world; their primary interests center on power and status, and they’ll do whatever is necessary to achieve their goals .
The Machiavellianism-Financial Stress Cycle
Machiavellianism and financial stress form a particularly vicious cycle. Each worsens the other, and both drain the cognitive and emotional resources needed to address either.
How Machiavellianism affects finances:
- Impaired decision-making leads to poor financial choices
- Avoidance of bills, statements, and financial planning
- Retail therapy or impulsive spending as coping
- Reduced work performance affecting income
- Higher healthcare costs from managing machiavellianism
- Social withdrawal reducing networking and opportunities
How financial stress worsens Machiavellianism:
- Chronic financial stress activates the same stress systems as machiavellianism
- Scarcity mindset reduces cognitive bandwidth
- Housing and food insecurity directly harm mental health
- Debt shame compounds existing shame and anxiety
- Lack of access to treatment due to cost
Breaking the Cycle
Financial Self-Compassion First
Before tactics: recognize that financial struggles during machiavellianism are not moral failures. Circumstances, illness, and systems all play roles.
Low-Energy Financial Strategies
- Automation: Auto-pay bills, auto-save a small amount — removes decision burden
- Simplification: Reduce accounts, subscriptions, and financial complexity
- One financial task per day: Small consistent actions beat occasional overwhelm
- Financial therapy: A specialty that addresses psychological barriers to financial wellbeing
Accessing Help
- Employee Assistance Programs (EAPs) often include financial counseling
- Nonprofit credit counseling (NFCC members)
- Sliding-scale mental health treatment reduces healthcare costs
- Community mental health centers for lower-cost care
- Government programs for those experiencing financial hardship