This article develops an interdisciplinary analytical study based strictly on the references provided, integrating two bodies of literature that are rarely discussed together: the financial distress prediction tradition in accounting and corporate finance, and the contemporary psychological literature on social media use, digital stress, fear of missing out, and psychological well-being. Although these literatures originate in different domains, they converge around a common intellectual concern: the identification of early warning indicators of distress, the interpretation of vulnerability before full crisis emerges, and the development of conceptual models capable of explaining deterioration in functioning. Building on this convergence, the article proposes that the financial distress literature offers a useful analytical lens for understanding how cumulative digital exposure, problematic engagement, and psychosocial pressures may predict declines in adolescent and emerging adult well-being. At the same time, the psychological literature provides the substantive empirical basis for understanding the mechanisms through which social media intensity, fear of missing out, social comparison, sleep disturbance, self-esteem dynamics, and digital stress affect mental and emotional functioning. The study uses a qualitative integrative review and thematic synthesis of the supplied references. The analysis finds that social media use cannot be characterized as uniformly harmful or beneficial; rather, its effects depend on the interaction of engagement intensity, emotional dependency, social comparison processes, developmental stage, and contextual mediators such as self-esteem and physical interaction. The financial distress literature contributes a parallel logic of prediction, suggesting that deterioration often becomes visible through patterns rather than isolated events. This article therefore argues for a “psychological distress prediction” framework in which digital behavior functions analogously to financial ratios: not as deterministic causes, but as warning signals requiring interpretation. The findings underscore that social media environments can increase vulnerability to anxiety, depression, sleep disruption, and reduced psychological well-being, especially when fear of missing out and compulsive connectedness intensify. The article concludes that interdisciplinary distress modeling provides a richer way to understand digital-era well-being and offers a foundation for preventive interventions aimed at adolescents and emerging adults.
From Financial Distress Prediction to Digital Stress and Psychological Well-Being: An Interdisciplinary Analytical Study of Social Media Engagement, Fear of Missing Out, And Emerging Vulnerability
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