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Simply Defining Health Consciousness

Posted By Joel B. Bennett, PhD, Tuesday, October 16, 2018
Updated: Tuesday, October 16, 2018
Because of his team’s recently published research paper on how to improve health consciousness, Dr. Joel Bennett has been asked for a simple definition. This is a challenge because health consciousness can be as much a process as it is a fixed trait or a steady state. Think of other processes like resilience or intimacy. Resilience is the process of bouncing back and continually learning and growing. Intimacy is the process of getting to know someone at deeper and deeper levels. The strength and the joy can lie more within the discovery and the journey than in arriving somewhere.

 

Health Consciousness step 1

Similarly, health consciousness has processes and levels. When we understand the idea that we can have different levels and that health consciousness is a process, we can start off with a simple definition.

Waking Up. The simplest definition is “Paying attention to what we ingest.” As adults, most of us know we should be aware of what we ingest or put in our bodies. While we usually think of food, many thousands of adults a year experience poisoning due to food, drugs, or alcohol (with pain medications as the most frequent). Paying attention to what we eat is especially important in a culture given to gluttony, fast-food, and major growth in ultra-processed foods and food varieties due to innovation in food flavoring and ingredient technologies. But it isn’t only food or sugar-laced drinks. Many people have health problems when they mindlessly use tobacco, alcohol, illicit drugs, and prescription and over-the-counter (OTC) drugs. Since the early 1900s, there have been a number of fads in OTC or non-prescription products for weight loss that have led to disease. This includes Amphetamine, Gelatin diets, Phen/Fen, PPA, and Ephedra. The most recent opioid epidemic is partly due to strong and not always ethical sales strategies in the pharmaceutical industry. So, the first definition is waking up to the fact that we need to pay attention to what we ingest.

Tuning Up: A Quick Health Consciousness Exercise

(adapted from Raw Coping Power, by Joel Bennett)

Journal your responses to these four questions

  1. Am I healthy?
  2. How do I know I am healthy?
  3. Could I be healthier?
  4. What would it take?

Health Cosciousness step 2Leveling Up. This next definition adds “… and how I treat my body.” At this next level, we begin to realize that what we put in our body may be due to other factors. Are we tired? Are we under stress? When was the last time we ate? Are we at a party where there is cake? Do we have a condition that requires us to pay even more attention (e.g., diabetes, obesity)? We are not only paying attention to what we ingest but also to the general condition of our mental and physical state and the situations that may be a risk factor. When we “level up” we start going down a path of a healthy lifestyle. We make some commitment. Many of us attempt to level up when we make New Year’s resolutions. We know that our habits and paying attention are not functioning at the level they should be.

 

Health Consciousness step 3Tuning Up. At this next level, process consciousness really kicks in. We come to the realization that leveling up is important but we have to keep leveling up; it’s a continuous process. We keep correcting ourselves in the face of risk. When it comes to lifestyle, the vast majority of us just don’t level up once. Many people cycle through stages when changing a habit: from not doing anything, to taking action, to relapsing, to starting over again. The more we cycle, the more aware (conscious) we are that we need to watch out for—stay attuned to— certain “triggers.” These triggers include cravings, difficult emotions (see NWI's Understanding Emotional Triggers Tool), and certain places (e.g., restaurants or bars). The acronym of HALT (Hungry, Angry/Anxious, Lonely, and Tired) has been used in many 12-Step or addiction recovery programs. It means it is time to pause, to halt, and stay on top of our game. In a way, when we keep waking up to our vulnerability, we are tapping into and strengthening our health consciousness.

Going Meta. “Meta” refers to going beyond the details and seeing the big picture or integrating all the levels at once. All three previous levels really work together. As we grow in health consciousness, we keep Health Consciousness step 4waking up, leveling up, and tuning up. At a deeper level, we value our health, we value staying conscious, and we value staying conscious of our health. Essentially, we value self-care. These values: (1) help us to recognize when our behavior puts at risk; (2) lead us to correct our behavior (tuning up); and (3) also find – or prepare ahead of time – resources and alternatives before we get into trouble. We lead a protective lifestyle. We have our shield up. We don’t go it alone. In the figure above, we see examples of different resources: talking to someone (getting support), exercising, getting rest, and taking time alone for contemplation or meditation (spirituality). These are just some examples and there are dozens of others.

Click here to learn more about our Health Consciousness Facilitator Certificate course .


Joel Bennett, PhDJoel Bennett, PhD, is President of Organizational Wellness & Learning Systems (OWLS), a consulting firm that specializes in evidence-based wellness and e-learning technologies to promote organizational health and employee well-being. Dr. Bennett first delivered stress management programming in 1985 and OWLS programs have since reached close to 50,000 workers across the United States and abroad.


He is primary developer of “Team Awareness” and “Team Resilience,” evidence-based, culture of health programs recognized by the U.S. Dept. of Health as effective in reducing employee behavioral risks. Team Awareness has been adapted by the U.S. National Guard as one of their flagship prevention programs and it has been used by municipalities, hospitals, restaurants, electrician training centers, small businesses, Native American tribal government, and in Italy and South Africa.

Tags:  facilitator certificate course  health consciousness  Joel Bennett  resilience 

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4 Questions About Risk We All Must Answer

Posted By Brent Hines , Monday, October 15, 2018

Each of us have different goals, preferences, and fears.

This world is full of risk. Some risks are worth taking, while others are not.

Risk comes in many flavors and variations. Just to name a few that first come to mind…risks can be physical, emotional, relational, professional, or financial.

In the financial world, we hear the talking heads associate “risk” with “return”. In essence, if we are 100% risk averse, we will experience very little opportunity for growth. However, we might be willing to take on large amounts of risk with the hope of large upside potential.

Well, not everything is black and white in this world and consumers (or investors) don’t always act rational. 

Distilled down to everyday language…each of us have different goals, preferences, and fears.

Please understand, I’m not here to tell you what specific risks you should mitigate or what insurance policies you should own, but rather, I want you to be well-informed, know the right questions to ask, and be able to put a plan in place that is tailored for you and your family.

John F. Kennedy said “There are risks and costs to action. But they are far less than the long-range risks of comfortable inaction.”

 

Regarding financial risk, there are 4 critical questions that we should all have answered:

 

What if I get sued?

You’re right to be worried. There are over 100 million cases filed each year in American courts and there are only 370 million people in the United States.  So, you do the math…in just 4 years’ time, there are as many court cases filed as there are citizens of the country.

 

What if I become sick or hurt?

This is an often-underappreciated topic. Take a moment to think through what next month would look like financially if the paycheck stopped. According to Bankrates Financial Security Index, only 39% of us have savings over $1,000. So, even needing to take just a week or two off without pay could lead to devastating financial consequences.  

 

What if I die younger than expected?

In our youth, we were invincible and would live forever. Now as adults with families we love and care for, it’s not unusual for us to begin contemplating “What if I die before I ever get a chance to grow old?”. So, forgive me for being Mr. Downer here, but over 40,000 Americans died in car crashes last year alone!  Not to mention the risk of heart attack, stroke, cancer and so on…So, if you were to die unexpectantly, what would that do to your family financially?

 

What if I need long-term care at some point?

The Alliance Health Policy research shows that 58% of men and 79% of women aged 65 and older would need long-term care at some point as they grow older; and it’s expensive. According to Genworth, in 10 years from now, the cost of 1 year of care will between $60,000 and $130,000 depending on the level care. If we don’t have a plan for this, the assets we worked so hard to save and build will be wiped out, rather than going to your family.

 

1. Cover your Assets

An umbrella policy is typically one of the cheapest policies you can purchase and for the broad type of coverage it provides, generally speaking they are worth it.  Especially when you have ‘attractive nuisances’ like a trampoline that neighbor kids play on or you have a job that is prone to lawsuits. The first step is to make a list of your assets and liabilities. We help you with that in the next section…the good news is that you may find that you look a lot wealthier on paper than you feel in real life…but that’s also the bad news because that is exactly what an attorney who wants to sue you will see as well. Umbrella Insurance can be an important protection from someone injuring themselves on your property or even in the course of your professional duties at work.

 

2. You’d insure a money tree, wouldn’t you?

Even more than dying or being sued, the most substantial risk you face is your inability to earn an income due to an illness or an accident.  But here’s the good news; the risk of being sick or hurt is an “insurable risk”. It’s called disability insurance and often times is a group benefit offered through your employer. So, this week make it a priority to confirm with your HR person if you have long-term disability coverage. If you do, then confirm the eligibility period (the amount of time between the date of disability and when benefits begin), and the percentage of your income it covers. This is not a place to pinch pennies; crank up the percentage as high as they will allow (normally, you’ll be capped around 70%).

 

3. Build a plan, don’t just buy a policy

Here’s a question you’ll never hear asked in an insurance agent’s office, “Do you need insurance?”. Not everyone does. And, those of us who do need it, don’t always the need the same type. Through the Foundation, we teach a methodology that we call PURPOSE – PLANNING – PRODUCT. If the conversation begins with financial product (features, benefits, bells, whistles, etc.), politely excuse yourself and get out! Begin defining your purpose as it relates to life insurance and long-term care insurance. Start simple. Take three sheets of blank paper. On the first sheet, across the top, write “1-Year Perfect Day”, the second sheet write “5-Year Perfect Day”, and on the third sheet, write “10-Year Perfect Day”. On each sheet, now describe (free flowing, stream of consciousness, no boundaries, no rules) what your perfect day would look like on each of those milestone years. Then, below each of those descriptions, describe what your family members’ lives would look like on those same milestones with out you here and/or if you needed long-term care. This exercise in essence, is a gap analysis. What is the gap between your best-case scenario and your death and/or long-term care scenario? This is how you answer the question that should be asked, “Do you need insurance?”.

National Wellness Institute + Foundation for Financial Wellness

The National Wellness Institute has partnered with the Foundation for Financial Wellness (FFW) to develop financial wellness trainings.


Brent HinesBrent Hines, CFWE, CFWC is the founder and Chairman of the educational non-profit, Foundation for Financial Wellness. The Foundation’s mission is to improve people’s lives by empowering them with the knowledge and the motivation to take control of their financial lives. The Foundation’s curriculum is rooted in the principles of Behavioral Finance which makes every class topic taught by the Foundation unique, innovative and extremely valuable.


Tags:  Education  Finance  Financial Wellness 

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15 Plants That Help Improve The Air Quality In Your Home

Posted By Gavin Wilson, Friday, October 12, 2018
Originally posted on Good Air Geeks. Used with permission.

One of the most significant environmental problems in the United States is indoor air pollutants, according to federal scientists. Believe it or not, your indoor air quality has just as much of an effect on you as the outdoor air quality does. The effects of the pollutants we find indoors can range from short term effects to long term effects. Your symptoms can range from mild-eye and throat irritation, to severe-cancer and respiratory disease. If you are exposed to high levels of carbon monoxide, there’s the risk of death.

Fortunately, rather than spending thousands of dollars on fancy machines and home improvements to try to keep your indoor air quality up to par, there’s an even simpler solution-a houseplant! You read that right. A houseplant can help improve your indoor air quality to give you a healthier living environment. Check out this list!

 

1. Aloe Vera

Aloe Vera Plant

Aloe Vera is one of the best plants you could keep in your bedroom. It’s one of the most powerful plant air purifiers that exist. It’s highly effective when it comes to clearing the air from benzene and formaldehyde. Not only that, but it’s also great for absorbing CO2 levels that the darkness creates. You need to keep it in direct sunlight in order for it to perform the best. It’s also ideal for soothing scars, burns, and inflammation.

 

2. Snake Plant

Snake Plants

Also known as “Mother-in-Law’s Tongue, this houseplant provides quite a bit of oxygen to indoor environments, especially at night. It can help to reduce eye irritation, headaches, respiratory symptoms, and the need for ventilation. These plants are also very resilient, so you can leave them for long periods of time without care.

 

3. Eucalyptus

Eucalyptus plant

The Eucalyptus plant has been used for centuries to cure many kinds of ailments. They are a tad hard to find for a houseplant, but if you do, the leaves of it can raise healthy fluids in the air passages of your body. The leaves are filled with tannins, which is what helps with this process. Just by breathing in the scent from this plant, it can help to lower congestion issues and keep colds at bay.

 

4. Areca Palm

Areca Palm

The Areca palm is another common household plant. It helps filter the air around you and it can add moisture to the surrounding atmosphere. It also has the amazing ability to purify trichloroethylene, benzene, and formaldehyde. You can also substitute it as an air humidifier if you don’t have a regular dehumidifier. These plants like bright sunlight, but not too much as it can scorch the leaves. You should also not overwater them and they live better in moderate temperatures.

 

5. Dracena

Dracaena

The Dracaena comes in an outstanding 40 different varieties, unfortunately, if you have cats or dogs, you cannot have this plant because it’s toxic to them if eaten. On the plus side, if you don’t have cats or dogs, this plant is ideal for removing benzene, formaldehyde, xylene, and trichloroethylene. The Corn Plant version of this is great for removing cigarette smoke from your home.

 

6. Boston Fern

Boston Fern

This pretty fern is ideal for removing formaldehyde and xylene. It’s best when used in a room that’s relatively cool with high humidity and indirect light. It needs to stay moist to survive as well. Check it daily to see if it needs a drink and you should soak it once a month.

 

7. Peace Lily

Peace Lily

These plants are much smaller than many of the other plants on the list, but don’t let that fool you. These beautiful plants are great for cleaning the air and they’re easy to grow. This plant removes ammonia, formaldehyde, benzene, and trichloroethylene. They do let off some pollen and a floral scent, so you may want to avoid having too many of them in one room.

 

8. Ficus

Ficus Plant

The Ficus is quite the large plant. If grown indoors, they can reach 10 feet tall. This plant is very low maintenance, but it packs a punch when it comes to its air-cleaning abilities. It can remove trichloroethylene, formaldehyde, and benzene. These plants love the bright, indirect sunlight.

 

9. Garden Mum

Garden Mums Orange

NASA spent quite a bit of time researching the ability of these plants. These colorful flowers are very common in gardens and can be seen at almost every garden store in the world. They are great for clearing the air of benzene, formaldehyde, xylene, and ammonia. Once they reach full bloom, you can transport them outside if you would like.

 

10. English Ivy

English Ivy Plants On Wall

The English Ivy is the number one best air purifying houseplant, according to NASA. In a 2005 experiment, the English Ivy removed 94% of airborne feces and a whopping 78% of mold in the air in just 12 hours. It also has the ability to improve allergy and asthma symptoms and it absorbs formaldehyde. These plants are easy to grow in moderate temperatures and medium sun exposure. These can be toxic if eaten by kids or pets.

 

11. Chrysanthemum

Chrysanthemum

This colorful plant can help filter benzene, which is commonly found in detergents, plastic, paint, and glues. These plants are also great for treating high blood pressure, headache, dizziness, swelling, fever, cold, type 2 diabetes, and even chest pain. These plants need a lot of sunlight to grow indoors, so make sure you place them in an area where there’s sun in the winter. Keep the soil damp at all times.

 

12. African Violets

African Violet

These purple flowers have an array of benefits. Just looking at these plants can help stimulate adrenaline release and can increase the flow of oxygen to your brain. In turn, this helps you relax. These are very easy to care for and they like indirect sunlight.

 

13. Heart Leaf Philodendron

Heart Leaf Philodendron

This climbing vine is excellent when it comes to removing formaldehyde from the home. These are very easy to care for although toxic to kids and pets. If you plan to keep this in your home, keep it out of reach of them.

 

14. Lady Palm Plant

Lady Palm

This unique plant has the ability to get rid of all indoor air toxins in your home. It has also been very effective in getting rid of cancer causing chemicals in the house, such as formaldehyde. This is a very toxic chemical and this plant can rid your home of it and help your lungs.

 

15. Bamboo Palm

Bamboo Palm

Also known as the reed palm, this plant is rather small and loves shady indoor spaces. It also has the ability to grown small flowers and red berries. This plant filters out trichloroethylene and benzene. It’s great for using around furniture that may offgas formaldehyde. It grows to about 5-7 feet tall and loves humidity with bright, indirect light.

 

Conclusion

And there you have it, a list of 15 of the most effective plants for ridding your home of indoor air pollutants. These plants and flowers have the amazing ability to keep your home fresh and smelling great. You would not believe how many dangerous toxins are floating around the house. Just one of these plants can keep those toxins away and your lungs clean and clear. If you enjoyed this list, feel free to share it with your friends and family.


Gavin Wilson is the director of content over at goodairgeeks.com. He lives with his wife, his dog (Mr. Peanut Butter), and his "attack cat" (Bojack!). He is a nature lover and cares deeply about the environment. He hopes to help make a cleaner and greener Earth with this website.


Tags:  Air Quality  Clean Air  Health  Plants 

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Out with the Budget; In with Alignment

Posted By Brent Hines, Friday, October 12, 2018
Updated: Wednesday, October 10, 2018

Shame, guilt and judgment are liars and I suggest we kick them out of here. Would you rather I try to shame you into living off a budget, or would you rather we have a two-way conversation about aligning your personal values, mission and vision? Yeah, me too.

Pulling money from your emergency cash reserves should feel terrible, agonizing, and cause loss of sleep.

Budgeting, debt elimination, and emergency cash are all foundational. However, it seems everything we’ve heard from the talking heads on this topic falls in the “How” and “What” categories and runs right past the “Why” (thank you Simon Sinek for this vernacular). The alignment of our thoughts and behaviors with our values is the nearly magical place where lives are carried out with purpose and intentionality. Once we find this untapped power source, the budget, debt elimination and emergency cash will happen. And get this…you’re going to like it. You’re going to demand it! It’s no longer a best practice or principle, it’s a way of being that comes from your most meaningful reasons. Way back when, gold old Zig Ziglar said it beautifully when he said, “You can tell a lot about a man’s heart by looking at his calendar and his checkbook.” Where does your heart live? Where is it aimed? Zig also taught us that if you aim at nothing, you’ll hit it every time.

There are endless budget templates, software and ideas on how it should be built. We have our favorites at the Foundation for Financial Wellness, but whichever you decide to use, it must be a zero-sum budget. Meaning, you must “spend” every dollar on paper before the money hits your account. Dave Ramsey tells his readers to “Tell every dollar where to go, rather than wondering where it went”.

Debt elimination is a really interesting, (and unfortunately all too common) topic. We teach two types of approaches; 1) Mathematical approach, and 2) Behavioral approach. The mathematical approach would have you pay off your debt in order of highest interest rate (most expensive) to lowest. This is logical. The behavioral approach has you pay off your debt in order of smallest balance to largest balance. This is emotional. The emotional brain gets the chemical release quickly by knocking out the smallest first, then builds momentum by rolling those payments into the next debt item, and so on.

The vast percentage of people we have taught through the years prefer the behavioral approach, and for good reason. The best approach is the one you complete! Not to mention, it was emotion, not logic that got you into the consumer debt, so likely, it will be the power of the emotional brain that gets you out.

Finally, the third component of the financial trifecta, emergency cash. Nothing sexy about it. But then again, there’s nothing sexy about an Ambien either, and it’s debatable which one helps you sleep better at night.

 

1. Busting budget myths!

 Make a point this week to get real, call out and write down your own personal self-limiting scripts. Then, write down an empowering belief to replace each one. Be sure to share these with someone who cares about you. Here are just a few examples to get the juices flowing…

  • “Budgeting means being deprived and uncomfortable.”
  • “I make enough money to pay my expenses so I don’t need a budget.”
  • “This will take too much of my time to maintain. I have better things to do.”
  • “I’m comfortable with my current spending habits.”
  • “I’ve tried this and never stick to it anyway so why bother.”

 

2. Gate check your pride

 This flight is bound for freedom! Gate check your pride and take care of business. Start selling “stuff”! Seriously, sell all that junk!! Apply it to your debt elimination plan. Stop pretending and get real. If that makes you uncomfortable, then you’re really not going to like this one. Get a second, or third, job! I know you already work hard. So what? Are you going to choose to be, a “Victim” or “Owner” of your current situation? Sorry, nothing but tough love here my friend. If you want sugar cookies and tea, call your grandma. I know…I know, it’s probably a bit much, but this is serious. This is your future, your life, your financial freedom. Why am I more fired up about your life than you are?!

 

3. Define and commit to your new “zero”

 Define it. Calculate it. Protect it. It’s that simple.

  • Define what an emergency is before it happens. Meaning, it looks a lot more like a hot water heater going out than it does a new flat screen the week prior to the Super Bowl. You decide.
  • Calculate your minimum emergency cash reserve balance. There is a really simple rule of thumb for this. Go to your budget and determine which of the line items are “non-negotiable”. They must get paid even if your income went away. Then, multiply that number by at least 3. The reason for this is because most long-term disability policies have an “eligibility period” of 3 months (more on this later, so just trust me for now).
  • Protect it means not putting it at risk. Market risk, liquidity risk, default risk…no risk! So, basically this means putting it in a checking, savings or money market account that is preferably just out of arms reach from your sweaty little fingers! Pulling money from your emergency cash reserves should feel terrible, agonizing, and cause loss of sleep. This dollar amount of emergency cash is your new “$0.”

National Wellness Institute + Foundation for Financial Wellness

The National Wellness Institute has partnered with the Foundation for Financial Wellness (FFW) to develop financial wellness trainings.


Brent HinesBrent Hines, CFWE, CFWC is the founder and Chairman of the educational non-profit, Foundation for Financial Wellness. The Foundation’s mission is to improve people’s lives by empowering them with the knowledge and the motivation to take control of their financial lives. The Foundation’s curriculum is rooted in the principles of Behavioral Finance which makes every class topic taught by the Foundation unique, innovative and extremely valuable.


Tags:  Education  Finance  Financial Wellness 

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Financial Well-being — No one is coming!

Posted By Brent Hines, Wednesday, October 10, 2018
Updated: Tuesday, October 9, 2018

Financial wellness is different than just financial education.No one is coming. No white knight, no silver bullet, no bail out. This is up to each of us to get right, and our lives and legacies depend upon it.

Financial wellness and financial education are two very different things. Financial wellness is based in behavioral science, adult learning theory and even in the neuroscience of improving our odds of higher performance in the financial component of this game called life.

We all want to have the tools, tactics and techniques to obtain financial well-being. But first, we need to take a step back and acknowledge that it is the doing, or better known as the behavior, that is the engine that drives our success. And, if we want to understand what fuels those behaviors, we must take one more step back and unpack our thoughts, beliefs and assumptions around money; in other words, how we are being.

This is partially why financial wellness is different than just financial education. The formula for success is more than only having the head knowledge, facts and figures. It must include the healthiest behaviors along with the empowering beliefs.

And, it’s this powerful concept of aiming how we are being that makes the financial wellness so special., and rarely understood, much less harnessed. The behavioral scientists refer to these beliefs as “scripts, tapes, or records” and the crazy part is that the vast majority were given to us by authoritative figures from the earliest years in our lives. That’s right, it’s not our fault! We were taught all of this head trash!

So, let’s make a deal. For the remainder of the time you spend with me in these writings, we agree that you’re going to leave Mom in the car…crack the windows, give her a bottle of water; she’ll be fine.

Poor Mom! OK, just kidding about Mom, but serious about the self-limiting beliefs from the authoritative figures from our youth!

 

1. Could our most powerful strength also be our biggest barrier?

 Let's take a look at how we think each and every day. Scientists estimate that the average person has 50,000 to 60,000 thoughts a day. The brain essentially wants to be as efficient as possible, so it repeats many of the same thinking processes again and again, rather than taking the effort and energy to carve out new types of thought pathways. About 90% of the thought pathways we have built, we use again. These are very efficient and repetitive. 

What science has learned is that unfortunately 70% to 85% of these repetitive thoughts are negative or have a negative connotation. If we're repeating the same thoughts many, many times a day and many of those thoughts have a negative bias, you can see how our thinking may in fact be tripping us up.

 

2. Who exactly are you trying to convince?

 Larry Burkett famously said, “We buy things we don’t need, with money we don’t have, to impress people we don’t like.”. Fear and pride are real things and play into our behavioral decision making each and every. What are some ideas that you might implement to counter some of your most common financial soothing mechanisms?

 

3. Take the helm; this is your ship.

 You’re worried about some things, and we get it…you’re not alone.  We have all faced financial distress…no matter how much money we have, our career choice or what stage of life we happen to be in. To give just a few examples which reflect American workers: The American Psychological Association’s survey on stress determined that 72% of American adults are stressed about money, at least some of the time and 26% are stressed about money most or all of the time. And factors like being female or being a parent increases the likelihood that you feel stress around money. 

In a separate report, it was found that 60% of American workers distress over financial issues impacts their ability to focus at work and has caused 1 in 3 of us to miss or be late for work because of their financial situation.

Money impacts every single area of our lives, with our work, our families and that stress certainly isn’t doing our health any favors.  So, how do we fix it?  Well it starts with our thinking.  So much so, that much of our lives are pre-occupied with negative thoughts about money.  And by allowing those thoughts to exist, we allow no space for creating solutions.  

Please don’t misunderstand, financial wellness is not some mumbo-jumbo, positive self-talk solution…instead it’s about real life, practical application that you can implement right away.  

Remember, financial wellness isn’t just about education, it’s about taking action…and sometimes that action is simply making a decision. Oftentimes, the first decision is what we chose to think or believe about money, which will then create healthier financial behaviors.

National Wellness Institute + Foundation for Financial Wellness

The National Wellness Institute has partnered with the Foundation for Financial Wellness (FFW) to develop financial wellness trainings.


Brent HinesBrent Hines, CFWE, CFWC is the founder and Chairman of the educational non-profit, Foundation for Financial Wellness. The Foundation’s mission is to improve people’s lives by empowering them with the knowledge and the motivation to take control of their financial lives. The Foundation’s curriculum is rooted in the principles of Behavioral Finance which makes every class topic taught by the Foundation unique, innovative and extremely valuable.


Tags:  Education  Finance  Financial Wellness 

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