Of course it does but the impact on your life is minimal in comparison. Compare "I need to pay this financial adviser thousands a year to handle my medium and long term financial goals" with "I need to make $500 for a car repair appear out of thin air or I'll be forced to walk to work in the middle of the winter, and if I miss work I'll be fired in which case the money problems will increase tenfold."

While I've never been rich, I've been objectively poor and I've been comfortable, and the difference in mental load is unbelievable if you haven't experienced it.