I, too, read that and my first reaction was it isn’t so much the ‘financial’ stress as ANY stress

At least, that’s my inclination. Any sort of stress is quite distracting; so much so that one isn’t going to do as good a job on anything when their attention is splintered.
A budgeting buddy is always a very good idea, though, as in most aspects of life, second opinions are always food for though.