Cashflow FI: More Flexibility with Your Money and Schedule

Want more flexibility with your budget and life? Learn how mastering your cash flow brings you closer to financial independence and freedom!

How to Have More Options with Cashflow FI

It can be a challenge to break out of the paycheck to paycheck cycle. One recent survey found that 64% of Americans are in that cycle; that's nine and half million more than 2021.

You might be thinking that it is because of income and for sure that’s a major issue, but your income is only part of the equation.

Fortune reported that over half of Americans earning $100,000 or more are living paycheck to paycheck.

Again there are various reason why people are struggling even with a healthy income and we’ll cover a few of them here in future episodes, but one big factor is they haven’t taken the time to prioritize their spending.

Whether you’re looking to pursue financial independence or something in the more traditional time frame, you have to master your cash flow.

When you have a gap between what you’re spending and earning while still enjoying life, you’re giving yourself more options and flexibility with your budget and schedule.

It’s not automatic though, it’s skill you have to learn.

That’s why I’m happy to have Cody Berman on today’s show.

He's the co-founder of the Financial Independence Show and the co-founder of Gold City Ventures.

In this episode, we’ll cover:

  • why financial independence is more than just leaving the rat race
  • diversifying your income in a way where you’re not trading your time for money
  • why Cody is focused on cash flow FI vs waiting to hit a more traditional FI number

We have a lot to go over, so let’s get started!

Resources to Hit Your FI Number Faster

Ready to knock out your debt? Check out these tools and resources to easily manage your family’s finances!

If you want to chat more about creating better money habits, questions, or share your own tips, please join us at Thriving Families on Facebook. We’d love to see you there!

Thank You to Our Sponsor Coastal!

Support for this podcast comes from Coastal Credit Union! Come check out Coastal today if you’re living in the Raleigh Durham area and looking to bank better.

As a credit union, Coastal serves its members first and foremost including an annual loyalty bonus.

We've been members for years and love their service and competitive rates on checking and savings accounts!

Support the Podcast!

Thank you so much for listening to the podcast! If you enjoyed this episode and found it helpful, here are some ways to support it.

  • Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share.
  • Join our coffee group ☕: Get access to exclusive behind the scenes videos, chats, and more!
  • Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple or Stitcher.
  • Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in four weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!

How to Be Happy with Your Money and Enjoy Life

Do you have a huge financial goal you’re chasing, but you’re not sure how to fit it in with everything you have going on right now?

Learn how you can be happy with your money and your life!

Finding a Healthy Balance with Your Money and Your Life

One of the biggest challenges when working on family and financial goals is finding that balance.

It can be easy to go from one extreme to another without even realizing it.

Before we started knocking out our debts, I wouldn’t say I gave much attention to finances.

However, there’s another extreme where you’re completely focused on your financial goals. It can get to the point where you say, ‘We’re going to do this when we pay this debt off, or have this much invested, or XYZ‘, you get the idea.

This approach can rob you of joy of the journey and can add undue stress to your family.

Taking care of your family and financial goals can be enjoyable. It can also be more holistic, improving different areas of your life, including social, mental health, and more.

That’s why I’m thrilled Jason Vitug is on the show today. He’s the author of You Only Live Once, and his new one one, Happy Money Happy Life.

In this episode we’ll:

  • look at finances through a holistic lens
  • share how you can make sure that you're enjoying the journey
  • how to take care of yourself and your family

We have a lot to cover, so let’s get started!

Resources to Find More Balance with Your Health and Wealth

If you’re ready to jump into the year and knock out some of your health and wealth goals, here are a few of my favorite.

If you’d like to chat more your money system, please join us in our private and free Facebook group – Thriving Families.

We’re families looking to support and help one another out.

Hope to see you there!

Thank You to Our Sponsor Coastal!

Support for this podcast comes from Coastal Credit Union! Come check out Coastal today if you’re living in the Raleigh Durham area and looking to bank better.

As a credit union, Coastal serves its members first and foremost including an annual loyalty bonus.

We've been members for years and love their service and competitive rates on checking and savings accounts!

Support the Podcast!

Thank you so much for listening to the podcast! If you enjoyed this episode and found it helpful, here are some ways to support it.

  • Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share.
  • Join our coffee group ☕: Get access to exclusive behind the scenes videos, chats, and more!
  • Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple or Stitcher.
  • Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in four weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!

Photos by Daniel Torobekov and Tatiana Syrikova

Family Trips: How We Do Low-Key Travel with Kids

Getting ready to travel with your kids this year? See how you can have less stress and more fun with your next family vacation!

How to Low Key Travel with Kids

Travel with kids is an interesting experience. If you’re a parent I think you understand that dichotomy of those magical moments where you feel like you’re connecting with your kids, you’re all seeing something incredible for the first time together, or they’ve discovered something and it gives you a fresh perspective on something you may have looked over.

And then there’s the car fights, cranky and exhausted airport, and schedule overload.

I want to share five ways you can have more fun and less stress on your next family vacation!

How Fill Your Family Trip with Fun

Let’s start of with planning out your trip because it’s so easy to go over budget and overschedule when you’re trying to keep everyone happy.

I recently had the pleasure of chatting with Everyday Bucket List author Karen Cordaway about how families can have more meaningful and fun experiences. In her book, she has a ton of ideas and systems that you can use and one of my favorties is step seven about how to FILL Your time with fun.

Karen offers a way to plan your trips so you’re still having and enjoying unique experiences and keeping to your financial goals.

Free

What’s better than free?

Obviously going for some free options definitely helps with the vacation budget, but something else to consider is the example we set with our kids. I think it’s wonderful to show them that you don’t always have to spend money to do something fun.

Besides the usual parks and beach options, you may be surprised to see that are some wonderful ways to hang out together. Check out to see if local museums have free days or tours.

Depending on where you are, walking tour of historical areas or exploring architecture can be fun. While I was in a conference for work in Chicago, my husband Rob did a self guided tour with our firstborn checking out the location inspirations for the Dark Knight movies.

Interesting

You’ve seen those lists online, 10 things to do when you’re at___, 72 hours in___, and so on.

While those lists can sometimes include tourist traps or crazy-expensive options, there are usually a gem or two in there that may grab your attention.

This is more of personal preference, which I think makes it a more meaningful trip. You could for example do a half day tour of consignment shops or local zoo.

Our oldest is a huge fan of red pandas so whenever we’re in Asheville, we take her to the Western North Carolina Nature Center.

Local

Here’s where you really need to talk to a local or friends who have been there. What special festivals or features do they have in town?

Recently we went to Burnsville, NC in the fall to enjoy the changing of the leaves. There’s something amazing about being in the mountains where you can see waves of autumn colors.

It’s a really popular thing and yes, it was busy. We had originally planned to be at Mt Mitchel on Saturday, but it was full even before lunch. (We went the next day.)

Another feature of the town is it has a Dark Sky Observatory. Not having the light pollution of a big city meant you can get incredible views of the stars.

Heads up, tickets go fast, which found out the hard way. Thankfully we had an AirBnb near there and brought our telescope. An amazing evening for us and the kids.

Low-Cost

Everyone is different, but one of my favorite things to do when scouting is see if there are any local spots that have cheap deals on certain days.

This includes food. We’ve found that that happy hour of 4-6pm can be a sweet spot for deals. We grab a bite with the kids and head out for a little more exploring.

Don’t Overload Your Schedule

As for planning, my final tip would be avoid over-scheduling your itinerary, and let everyone choose an activity.

If you’re doing a long weekend or day trip, pare it down.

Double Up with Your Family Trip

Finally, another way to enjoy our family trips more is by sharing a space with friends.

  • Sharing costs, you can reduce your costs significantly.
  • Depending on their age, kids can hangout and entertain themselves for a bit for those times you want to relax.

Now something you want to talk about with the other family is what activities you want to do together and which ones you’ll split up.

Having a clear idea of what to expect makes it easier for you to schedule.

Your Family Travel Plans

As you can see, there are some fantastic ways you can spend time together as a family on your vacation. I hope these help you have a memorable and meaningful time as family.

I'd love to hear from you! What trips are planning this year?

Photo Credit: Tatiana Syrikova

Busy Parents Guide to Adopting Healthy Habits

Do you feel you’re too busy to keep up with your health goals for this year? Check out this easy and effective way you can adopt healthy habits even if you're a busy parent!

Why We Parents Need to Prioritize Our Health

Being a work from home parent who homeschools, I have a full plate and you probably also do as well.

Guess what? That’s not a bad thing to have a schedule full of projects that you enjoy and people that are important to you.

The problem comes up when you start putting crucial things like your health on the back burner.

That's what I did these last few years; a big part of it was just dealing with this pandemic.

However, it looks like things are turning a new page and we're entering into a new phase. I want to change things up and give my attention back into getting into shape and adopting a healthier routine.

Besides the obvious medical and physical benefits of losing extra weight, there’s also this motivation of more time and energy to hang with my family and do more stuff.

I can't do that fully if I'm not taking care of my health.

This year I want to make space in my schedule to take care of those essentials. Here are three key goals I want to work towards:

  • Get to a healthy weight. (physical)
  • Find a sport/activity that I enjoy. (mental)
  • Schedule time to catch up with loved ones. (emotional)

If you want to see how that works, I'll break it down or you can watch my video.

Healthy Habits to Add to Your Routine

First off, you can absolutely do a deep dive and get into the weeds with your health and if that's your focus, go for it.

However for many parents, the idea of finding the most optimized routine tends to lead us to analysis paralysis. With too much to do and the toxic productivity culture's push to do more, it can either burn us out or not even want to try.

To counteract that, I decide was only going to focus on key habits.

Here are the two criteria for these habits:

  • there’s objective evidence of their effectiveness
  • it’s sustainable and realistic for a busy parent to do

When analyzing the data and reading expert opinions, I identified three key areas where we should focus our efforts.

In those areas, there are a few key habits that can improve physical, mental, and emotional health.

  • Create a consistent wind-down routine before you sleep.
  • Design room to be more sleep-friendly.
  • Limit how much processed food you eat.
  • Be mindful when you eat.
  • Stay hydrated, but be mindful of calories when you drink.
  • Focus on foods primarily from plants.
  • Staying active with a physical activity that you enjoy and will keep up with.
  • Incorporate strength training as part of your exercise routine

You may have already picked up on this, but can you guess what those critical three areas are?

I know, I know….

But that’s why I didn’t say pay attention to because pretty much everyone knows we need to exercise consistently plus sleep and sleep well, but how many actually follow through?

Data shows it’s not much at all.

So how do we break this cycle of quitting?

Turning Health Goals Into an Actual Plan

My chat with Rich about his amazing journey really motivated me to figure out how can I change my routine to align my schedule better towards those goals.

 Really it's making better choices and breaking things down into three key steps.

  • The first is making smart goals with my health.
  • Then taking those goals and breaking them down into key habits.
  • And then building up a system that makes it easier for me as a busy parent to move towards those goals.

Let's see how this would work for my goals.

Create SMART Goals

I’ve talked about this quite a few times, but I’m big fan of SMART goals.

One reason is that it’s an easy way to breakdown whatever goal you have into an action plan you can then use.

  • Specific
  • Measurable
  • Achievable
  • Relevant
  • Time-Based

I’m scheduling an annual physical to confirm what a healthy weight is for me, but as a ballpark I’m planning on losing 30 lbs of fat.

Because I’m looking for something sustainable and not interested in a crash diet, the timeline I set is mid-December, around our next anniversary. That means I’m looking at around 2 1/2 lbs month, certainly achievable.

Keystone Habits for Healthy Living

For eating, one huge keystone habit is meal planning.

If you want to get fit and build up your exercise routine, two keystone habits to consider are do it first thing in your day and move.

Pick one of those and follow through on it for at least a month.

Finally if you want to hone in on sleeping well, the keystone habit to give your attention to is creating a wind down routine. Find something that you enjoy that isn’t screen based to help you slow down and relax. It could be reading some fiction, journaling, or if you two have the same sleep schedule a conversation where you catch up.

Building Systems to Get Fit

The last key ingredient is creating systems.

Don’t worry, these aren’t crazy productivity hacks. Think of systems as an easy on-ramp to developing better habits.

Instead of trying to change everything at once, I’ll only be focusing on one habits from each category each month.

Why? Because I want something that is sustainable. I want to develop a habit not just cross something on my list.

If you follow a lot of productivity books, like James clear atomic habits and other experts, You've seen this trend as well where you're not going for these big swings necessarily, but each day you're moving in increments.

 That's what I'm doing with my healthy habits. I'm breaking them down into something that I can accomplish monthly and track.

Your Health Goals

I hope this give you a way to turn your health goals and create a game plan that fits your schedule.

I would love to cheer you on for your health goals. So please let me know in the comments! What are you working towards?

 If you want to join in, make sure you're subscribed. I will be posting more tips and interviews with others about how they've hit their health goals!

Fun and Affordable Bucket List Ideas for Your Family

How do you translate your wish list into an actual to do list? Learn how you can create an everyday bucket list and an incredible year!

Why Your Family Needs an Everyday Bucket List

One of my hopes for you and other families listening is show you how pursuing your financial goals doesn’t mean you have to put your life on hold.

There is a certain amount of intensity you need in that initial phase to knock out things like high interest debt. That doesn’t mean you completely sacrifice fun in your schedule.

There are ways you can enjoy trips, achieve some personal goals, and just have fun while you’re working towards those financial goals.

It takes some creativity, but it’s not overly complicated.

Everyday Bucket List author Karen Cordaway is on the show to show us how. As a busy working parent, she spent years struggling to find free time for herself.

Karen figured out how to reclaim her schedule and infuse more exciting bucket list experiences into her family’s everyday life.

In this episode, we’ll get into:

  • how you can create your everyday bucket list
  • creative ways to travel more without breaking your budget
  • strategies to help you

Let’s get started!

Resources to Create and Knock Out Your Everyday Bucket List

If you’d like to chat more your money system, please join us in our private and free Facebook group – Thriving Families.

We’re families looking to support and help one another out.

Hope to see you there!

Thank You to Our Sponsor Coastal!

Support for this podcast comes from Coastal Credit Union! Come check out Coastal today if you’re living in the Raleigh Durham area and looking to bank better.

As a credit union, Coastal serves its members first and foremost including an annual loyalty bonus.

We've been members for years and love their service and competitive rates on checking and savings accounts!

Creating Your Family's Everyday Bucket List with Karen Cordaway

Elle Martinez: I love your book, the Everyday Bucket List. I feel like after the two and a half years, there's a lot of families that are just ready to enjoy the life again, whether it's travel, whether it's just hanging out with each other, but they're stuck. Right?

We've either or been stuck at home. We don't have any idea of what we wanna do. How do you come up with these ideas or we have a budget that we wanna keep?

I love how it helps you not just save bucket lists for like these big milestones or events, but put it into your everyday life.

What made you come up with this idea in particular? I mean, an everyday bucket list sounds awesome, but what was the genesis of that?

Karen Cordaway: Well, there's a few layers to it. The simple answer is I used to notice that my friends in New York or other big cities, they often wouldn't see those iconic things even though they live there for multiple years.

People in New York, you know, hadn't seen the Statue of Liberty. They didn't go to Ellis Island.

People in California not seeing Venice Beach or just other things that if anybody else went there, they'd try to soak all of this in. That struck me as, wow, they have that right there and they're not accessing it.

Another big life event is that I lost my mom and she was 60 and I just Oh, wow. Felt like, yeah, 60 to someone who's 30 might sound old, but when you think of people who live into their eighties and nineties, she really was young.

I go into depth in my book, the Everyday Bucket List book, but the short way to say it is life can be very short and we don't how long we have, so why not try to have fun and do the things we wanna do in everyday life or regularly?

Affordable Bucket List Ideas for Travel

Elle Martinez: I think, not that you wanna have a big life event motivate you, but the pandemic, when we were stuck at home, at least for a portion of time, made us reevaluate what was important.

We were trying to figure out. How can we make the most of this time that we are together? And we started for us traveling more.

But I love this idea of don't wait for those opportunities. Don't wait for, oh, when I'm, you know, this age or when I've paid off this debt, or I've accomplished this thing, I'm going to do this.

How can you even now have some extra fun, some extra joy, especially with families and still keep it affordable?

Karen Cordaway: Well, for myself, I live in New England. I'm lucky that the states are small so I can visit a bunch of states doing road trips. But if you're in a big state, I mean, sometimes you can go to another county or if you like road trips you could potentially drive to another state depending on how much time you have.

If you're willing to do that, I feel you can control your food. There's a lot of things you can stop, you can get out, you can go to the bathroom, things like that.

If you wanna fly domestically there are all different types of sites where you can try to find cheap deals. So here you're paying with time, with research and potentially, layovers might not be as fun.

I know when I would fly with my kids, I actually like the layover cuz it broke up the flight and we got to get off, go to the bathroom and not feel like you're squished in a little box. So much easier.

But you know, that's part of the sacrifice. If you can plan and research and maybe jot down when you can go away. There is a site you live in Raleigh.

I wanted to give you something that fit, if people are from your area, and I just found a simple, hop from Raleigh to Orlando, Florida. If you look on avelo.com and they will show there were flights that were starting at like $29.

Elle Martinez: Oh, nice.

How to Save on International Trips

Karen Cordaway: Yeah, so sometimes it's a one way, sometimes it's round trip or you have to play with the dates a little. I mean, you could leave on a Thursday and come back on a Monday. That's another way to keep it affordable if you keep it a little shorter. Right? We're not paying as much for accommodations and food and all of that.

If you wanna do like a nice little quick trip, that could be an option. You can look in your area and there's a site called secret flying.com.

What I like about this is it aggregates the different sites like Priceline and Sky Scanner. I like the way that you can search on this site because if you can be really flexible and leave out of a different airport, you can really land some deals on domestic flights and international.

I know you've been wanting to go to Spain and you're trying to see how you can make that work. There are flights. I know for me in my area outta New York, you can spend like 200 to 300 round trip, you know?

Flying out of Miami seems to save, so if you can fly out of a different airport that it's not so inconvenient and you could find a cheap flight, you're still saving a lot of money. Because when I look at the regular prices, you know, when it's like 600 per person, 800, 900, you know, two, $300 isn't gonna be a lot.

Maybe you tack on, like I say, another flight that could be affordable. That's, yeah, that's what you're gonna save. And it all comes back to your budget. What is your idea?

There's a woman called the traveling child on TikTok. Sometimes she just brings one child. She went to Paris with her daughter. They had this beautiful picnic lunch, near the Eiffel Tower.

And you have to think outside the box a little too. And I always tell people too, just go with your significant other, bring one kid. Or sometimes maybe you have to, you can't sit together on the plane or maybe, you take one kid, he takes another if you have to break it up or if somebody can't get off work.

It just depends on what your travel goals are and how flexible you are with certain situations. It's not like you always have to do that, but it can open things up so that you can really save a lot of money.

Elle Martinez: Yeah, that's, that sounds like a good idea. I totally enjoy what you're saying about, finding opportunities to be creative.

Taking Memorable and Meaningful Family Trips

For some families you have a big age gap so maybe doing a trip with your oldest might be easier for you and you have that one-on-one time, or going off season and taking some time off can get you a good deal, but you're still having those memorable experiences.

I love that because I don't think you should, I don't think it's an either or, right? Like you could still have a good time, find creative ways off season to kind of travel, but you know, still make it enjoyable. Still have it be memorable and meaningful.

Yeah. I love these tips. So you're one of those people I know that love to find deals and to explore new places. During the pandemic, were there any adventures, whether it was local or a little further off, that you really enjoyed and you're happy that you did?

Karen Cordaway: Absolutely. I absolutely loved Boston. It's one of my favorite cities. I have a whole Boston bucket list and I never stayed in the North End and my husband and I were checking like when we could go and we actually left on a Sunday. We just stayed one night. But I wanted to try a fancy hotel. It was like one of these unique places.

There was a deal because it was a Sunday and there weren't any like special events at the Garden in Boston where like the Celtics play and there's also like big concerts there. Mm-hmm. . So we hit it at a time where nothing was going on. Like I said, it was a Sunday to Monday, I believe it was indigenous People's Day.

We had that Monday off and it was just so much fun. Like I said, I'm close to Boston, so it's a little different.

The experience alone of the hotel and then there was like a celebrity chef restaurant right next door. There were so many things to do.

Something simple like that if you are just starting and venturing out, just practice staying at hotels that aren't that far away from you and you could have that total like spa experience or access to a pool that maybe people aren't there on that day.

I've done that during the winter. Sometimes I would just stay at hotels that were in a nice town in my own state and we're feeling like we have this warm vacation. We're in a pool, we're in our swimsuits and everybody else is like, you know, off on a snow day just doing whatever at home.

We got out the day before of the snowstorm and was like, Yeah, I wanna be chilling in luxury here. . .

Elle Martinez: Yeah. I did appreciate what I was reading your book, how there's certain things that if you go to a city or if you go to a place, you must see, but you're not stuck in just the tourist traps.

I saw that you had how to fill in your time for the free and the interesting and the low cost and the local things. I thought that was a fantastic way to approach it.

Then I also loved when you were going through the system with a bucket list. You talk about understand what you value. So I know for us, mentioned travel with this, but your bucket list book can be helpful for any kind of goal that a family has, right?

Karen Cordaway: Absolutely. I'm trying to learn another language. Mm-hmm and I'm also trying to figure out TikTok, which is really for everybody. It's not just young people dancing, even though that's super popular.

I've been looking at simple YouTube videos to learn the basics of the greetings and everything like that. But then I follow people who speak Italian. You can hit the C translation button and the words will be translated for you, so you hear the conversations in context. So instead of just repeating what somebody says on YouTube, whether you're saying, excuse me, or I'm sorry.

You can see how those are used differently in a language like Italian, it's very similar to Spanish. Like if you bump into somebody, you don't say, I'm sorry, you say, excuse me. And I just notice little things like that, that they will say, and I'm like, okay, I get how to use this now, or I see multiple examples of how this is used or how it's said with like a little emotion or a little punch to it.

So that's a great way. I think of it as a bucket list idea. I wanna learn Spanish and Italian, so. Mm-hmm. , like I said, going on TikTok, YouTube, that's easy, right? You could do that every day if you wanted and when you're planning your trip to go to one of these places, you already have like a foundation in the language.

Elle Martinez: Yeah, absolutely. So are you planning a trip soon to Italy?

Karen Cordaway: You know what, I'm really hoping to go for a 25th wedding anniversary. Nice. I'm currently researching If there's any way I could go sooner and I see a deal, I'm gonna, you know, go for it. I already I'm setting aside money for that.

So yes, I, I absolutely wanna do that. That's my goal. And I do feel motivated in kind of taking these little steps of trying to learn the language, trying to research and find areas that maybe I never heard of.

Like you're saying, I don't always wanna do the touristy things. I went there for my honeymoon, so that's why I wanna go back.

Elle Martinez: Oh, okay. Gotcha, gotcha. Yeah, but I think great. Because like you said, it would be nice for the milestone 25th. That would be incredible. But if you find a deal before, like, why wait.

I think it's important also to mention for those listening that yes, and Karen is too, like I, I do talk about, you know, paying off unnecessary debts, making sure you have your emergency fund, but just as important, I do think in your budget should be things where you spend their planned spending. Things that matter to you, experiences that bring you joy because it is a balance.

It's a balance of taking care of the now, planning for the future, but then enjoying what you have in front of you.

Support the Podcast!

Thank you so much for listening to the podcast! If you enjoyed this episode and found it helpful, here are some ways to support it.

  • Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share.
  • Join our coffee group ☕: Get access to exclusive behind the scenes videos, chats, and more!
  • Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple or Stitcher.
  • Grab a copy of Jumpstart Your Marriage and Your Money. My book is designed for a busy couple to set up their finances in four weeks. Get tips and tools that have worked for other couples on their journey of building their marriage and wealth together!

Enjoying a Rich Life: Prioritizing Your Health

Has the last few years been a much for you and it’s taken a toll on your health? See how you can enjoy a rich life by getting healthy and fit!

The Challenge: Fit at 40ish

These past three years have been quite the ride. The pandemic has definitely affected me.

Nothing dramatic, but when you put it together I can see how things have shifted. Good and bad.

I have family and friends who are vulnerable to COVID because of health issues they already had, so I’ve been more cautious and that’s translated to me worrying a bit more.

On the plus side, I knew that social isolation wouldn’t be good for me or my family we started meeting up with others outdoors. I believe that was real helpful with keeping in touch with our friends and getting that fresh air.

Same thing with eating. On the plus side we cooked and ate more at home, but looking at the meals we picked, comfort foods topped the list.

Again, nothing crazy, but you stack these together for a few years and it starts. I see it on the scale, with my energy levels, and more.

So I’m turning that around this year and I’m prioritizing my health. Because I think it’s a core component to that rich life we talked about last week.

I want to enjoy hanging with our kids, become more active, and maybe find a new activity or hobby.

Besides the obvious physical benefits of getting fit, there’s also a mental and an emotional boost when you’re taking care of yourself that spills over to other areas of your life.

Which is why I’m thrilled to have Rich Jones on the podcast. He’s the award-winning creator founder of Find More Balance and the Mental Wealth Show where he discusses holistic health for high achievers.

A few years ago, Rich had his own transformation. By focusing on his mental and physical, Rich had some incredible personal and professional wins.

In this episode we’ll get into:

  • Rich’s amazing journey of sobriety to becoming a national track champion
  • healthy habits you can adopt to have meaningful improvements to your health
  • how to take and make your health goals into reality

We have so much to cover, so let’s get started!

Resources to Get Healthy

If you’re ready to jump into the year and knock out some of your health and wealth goals, here are a few of my favorite resources and includes what we covered in the podcast.

If you’d like to chat more your money system, please join us in our private and free Facebook group – Thriving Families.

We’re families looking to support and help one another out.

Hope to see you there!

Thank You to Our Sponsor Coastal!

Support for this podcast comes from Coastal Credit Union!

If you live in the Triangle area of North Carolina and you’d like someone to work with you on your goals, you really want to check out Coastal’s Wealth Management team.

They’d love to help you start investing for retirement and more!

Focus on Systems, Not Just Healthy Habits

After my discussion with Rich, I was inspired. I hope you are too. It’s amazing how prioritizing his health snowballed into so many other opportunities.

But here’s the big challenge we face: actually following through. How do you do it?

To jumpstart things, I’ll share how I’m breaking down my goals into habits and then into system. You can hopefully work through your goals and setup yours.

Create SMART Goals for Your Health

something I took away from my chat with Rich is think beyond the numbers when it comes to health. I need to look at my health holistically.

So for this year here are three key goals I want to work towards:

  • Get to a healthy weight. (physical)
  • Find a sport/activity that I enjoy. (mental)
  • Schedule time to catch up with loved ones. (emotional)

Let’s turn these into SMART goals.

I’ve talked about this quite a few times, but I’m big fan of SMART goals. One reason is it’s an easy way to breakdown whatever goal you have into an action plan you can then use.

  • Specific
  • Measurable
  • Achievable
  • Relevant
  • Time-Based

Let's see how that break down for one my goals.

I’m scheduling an annual physical to confirm what a healthy weight is for me, but as a ballpark I’m planning on losing 30 lbs of fat.

Because I’m looking for something sustainable and not interested in a crash diet, the timeline I set is mid-December, around our next anniversary. That means I’m looking at around 2 1/2 lbs month, certainly achievable.

This goal is relevant to me because I want to improve my quality of life by enjoying more activities with my family and friends.

Polishing up, my SMART goal would look like this:

I want to lose 30lbs by December 15, 2023.

Keystone Habits for Healthy Living

Now that you have a goal you're working towards, let's look at which habits can help us achieve it.

For my goal, I need to focus on two area: exercising more and eating better.

For eating, one huge keystone habit is meal planning.

Building Systems to Get Fit

The last key ingredient is creating systems.

Don’t worry, these aren’t crazy productivity hacks. Think of systems as an easy on-ramp to developing better habits.

Instead of trying to change everything at once, I’ll only be focusing on one habits from each category each month. Why?

Because I want something that is sustainable. I want to develop a habit not just cross something on my list.

I truly hope this episode inspires you to prioritize your health.

Support the Podcast!

Thank you so much for listening to the podcast! If you enjoyed this episode and found it helpful, here are some ways to support it.

  • Spread the word! If you enjoyed this episode and think it can help a buddy get on the path to dumping debt and become financially free, please share.
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  • Leave a review. Honest feedback and reviews make a big difference and gets the word out about the podcast. Leave your review on Apple or Stitcher.
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Photo by Ella Olsson

Helping families with kids find the right path and pace to financial independence that fits them

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