Even a Personal Finance Writer Could Use a ‘Body Double’

Body doubling can make it easier to finally tackle tedious financial tasks.

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Edited by other Published Jun 27, 2024 After interviewing financial experts on how body doubling can help people complete financial tasks, I was excited to try the technique. While the concept grew out of the ADHD community as an effective way to help people focus, it’s increasing in popularity and, according to the experts I interviewed, can help almost anyone accomplish more. The term can evoke aliens or Hollywood stunt performers, but body doubling simply means that you work on a task in the presence of someone else, whether it’s a group of strangers on a video call or a friend. Christine Hargrove, a researcher and clinician who specializes in financial therapy and treatment for attention-deficit/hyperactivity disorder in Athens, Georgia, shared that she used body doubling herself to finally upload a stack of health care receipts so she could get reimbursed from her health savings account. “It’s such a cumbersome process; I had let it go for over a year,” she says. She realized she could do it with a body double, so she enlisted her husband. “I said, ‘Can you just stay here with me and keep me company?’” He did just that, sitting nearby while she uploaded almost $5,000 worth of receipts. “It was so helpful, and he was happy with the results,” she says.

Trying the technique at home

As she told me this story, a pile of dental reimbursement checks from my own health insurance company sat nearby. I hadn’t gotten to the tedious task of scanning and depositing them yet. It involves signatures, logins and paperwork, so I had put it off. With Hargrove’s experience in mind, I called my husband, who was at work about 5 miles away, and asked him if he would serve as my body double for this task. His first reaction was one of confusion. “You want me to do what?” he asked, since he’d never heard of the term before. I quickly explained and he agreed to jump on a video call with me. While I worked on processing the checks, he started swiveling on his chair, which was distracting. But after I explained that he could use the time to continue his work as well, he delved into some reading and we both focused. Our cameras remained on, but we weren’t looking at the screens. We both completed our tasks and even squeezed in an extra planning conversation about the groceries we needed. After sitting on my desk for a week, the dental checks were finally deposited. We both agreed we would body double again in the future, especially when it comes to financial tasks we keep putting off.

Applications beyond finances

It turns out I’ve been using body doubling as a technique for years without even realizing it. Writers’ groups, coworking spaces and group exercise classes can all be considered a form of body doubling. Ellyce Fulmore, a financial educator and author of “Keeping Finance Personal,” says she loves using a body double to complete tasks like decluttering her closet or running errands. “Even going to the gym at the same time as a friend is a form of body doubling,” she explains. “You might find yourself working harder because someone else is there.” In my own experience, that was certainly the case. If I hadn’t tried body doubling, those dental reimbursement checks wouldn’t be in my bank account finally earning interest. Read more Read more How being neurodiverse affects your relationship with money Financial therapist: What they do and how to find one How to budget money in 5 steps Explore more on About the author Palmer Kimberly Palmer is a personal finance expert at NerdWallet. She is also the author of three books about money: "Smart Mom, Rich Mom," "The Economy of You" and “Generation Earn.” Kimberly's work also appears at NerdWallet Canada. Published in How to Pay Off Debt: Top Strategies for 2026 Credit Score Ranges: What They Mean and How They Work How to Budget Money in 5 Steps 28 Proven Ways to Save Money Get Your Free Credit Score By NerdWallet How to Pay Off Debt: Top Strategies for 2026 By Lauren Schwahn, Jackie Veling 50/30/20 Budget Calculator By Amanda Barroso, Elizabeth Ayoola