This document summarizes research conducted by FreshMinds and Nationwide to understand the experiences of people facing financial difficulty. The research found that the most common triggers of financial difficulty were job-related factors, personal or family changes, and the economy. When facing financial worries, 63% of people reacted immediately while 37% delayed their response. The research identified common emotions experienced, like denial, anger, and identity crisis. FreshMinds and Nationwide believe their collaborative research approach, which focused on customers' perspectives, provided valuable insights into financial difficulty.