xixi

Blog

  • What Actually Worked For Me

    What Actually Worked For Me


    Cortisol, often referred to as the “stress hormone,” is one of the most powerful hormones in the body. While cortisol’s primary function is to help manage stress, it also plays a crucial role in a wide range of bodily processes, from metabolism to immune function, and even brain activity. When cortisol levels are out of balance, they can cause a variety of health problems, including chronic stress, fatigue, weight gain, and poor sleep.

    It’s gotten a lot of attention lately and has been trending on social media, with many people claiming that just “fixing” their cortisol drastically improved their health and helped them lose weight. This points to just how important cortisol is, but before we jump into believing that a stack of herbs is a miracle cure, it’s important to understand some background context. 

    The Low Down on Balancing Cortisol

    Specifically, “cortisol cocktails” including ingredients like orange juice, coconut water, and salt are trending as miracle cures. Personally, I’ve found some other (no-cost) factors to be more effective. Even though I did create my own version of the cortisol cocktail drink!

    In this article, I’ll break down my understanding of cortisol and what’s worked for me. As always, this is my opinion, shared only for inspiration and general information and is never for comparison or advice!

    So, how can we manage and optimize our cortisol levels to feel our best? The answer lies in understanding how cortisol works and supporting its natural rhythm with simple lifestyle habits. These habits include things like light exposure, supplements, and sleep practices. 

    In this post, we’ll take a deep dive into the science of cortisol, explain how light impacts cortisol levels, explore the top supplements for supporting healthy cortisol patterns, and show you how sleep can be a game-changer for hormone balance. Plus, I’ll share what I do to keep my cortisol levels in check.

    What Does Cortisol Do?

    Cortisol is a steroid hormone produced by the adrenal glands, which are found on top of your kidneys. It’s primarily known for its role in the “fight or flight” response, helping the body respond to stress by increasing blood sugar, enhancing brain function, and suppressing non-essential functions like digestion and reproduction. While cortisol is essential for survival in stressful situations, chronic cortisol imbalance (too high or too low) can lead to serious health problems.

    Our cortisol levels follow a natural circadian rhythm, peaking in the morning shortly after waking and gradually declining throughout the day. This daily pattern is essential for maintaining energy levels, sleep quality, and emotional balance. When cortisol levels are chronically elevated or suppressed, this rhythm is disrupted, leading to feelings of fatigue, difficulty focusing, and mood swings. 

    In the past, there was a point when my cortisol patterns were exactly opposite of the ideal natural pattern. My deep dive into helping my body find balance taught me a lot about cortisol, light, sleep, and other factors that can help. 

    The Impact of Light on Cortisol

    One of the most powerful and often overlooked influences on cortisol patterns is light exposure. In fact, I’d dare say this was the most important factor for me in finding balance, and the good news is that it’s free. Light has a direct effect on cortisol production, helping regulate the body’s internal clock or circadian rhythm. Exposure to natural light, especially in the morning, plays a crucial role in maintaining healthy cortisol patterns.

    1. Morning Light to Balance Cortisol

    Getting natural sunlight in the morning is critical for resetting your circadian rhythm and ensuring cortisol levels peak at the right time. When you wake up and are exposed to sunlight, it triggers the release of cortisol to help you feel alert and energized. This cortisol surge is designed to support your wakefulness and focus throughout the day.

    Research shows that morning light exposure, preferably within the first 30 minutes of waking, has a significant impact on the timing and intensity of your cortisol release. Studies suggest that people who receive adequate morning light exposure tend to have better sleep quality, improved mood, and a more stable cortisol rhythm.

    A study published in The Journal of Clinical Endocrinology & Metabolism found that morning light exposure increases cortisol production. This in turn improves alertness and reduces sleep inertia (the grogginess many people experience after waking). The timing of light exposure matters though. Blue light exposure at night can interfere with your ability to fall asleep and disrupt cortisol patterns.

    2. Natural Light Throughout the Day

    Not just the morning light, but consistent exposure to natural light throughout the day helps to maintain healthy cortisol rhythms. When you’re indoors all day, especially under artificial lighting, your body doesn’t receive the necessary signals to effectively regulate its circadian rhythm. This can result in disrupted cortisol patterns, leading to fatigue and increased stress.

    Spending time outdoors during daylight hours helps synchronize your body’s internal clock. This can improve sleep, reduce stress, and enhance overall well-being. If you’re working from home or spend most of your day indoors, try to step outside every few hours for a short walk or simply sit by a window with natural light.

    I love Dr. Courtney Hunt’s recommendation of: sunrise, sunlight, sunset, repeat. 

    3. The Effect of Artificial Light

    Artificial lighting (especially blue light from screens) can throw off your cortisol patterns. Exposure to blue light late at night suppresses melatonin (the sleep hormone). It also delays the natural decline of cortisol in the evening, making it harder for you to unwind and get restful sleep. To minimize the negative effects of artificial light, consider using blue light filters on your devices in the evening. You can also limit screen time at least an hour before bed.

    In my house, we try to avoid screens after the sun goes down and I have red and amber bulbs in lamps that we use after dark. I don’t go as far as just using candles, though some people have tried this as well. If I’m going to be in a car, airport or store after dark, I’ll often wear blue light blocking glasses. 

    Top Supplements to Support Healthy Cortisol Levels

    While light exposure and sleep play foundational roles in managing cortisol, certain supplements also help. They support healthy cortisol levels and alleviate the negative effects of chronic stress. Here are some of the most effective, evidence-backed supplements to consider.

    1. Ashwagandha

    Ashwagandha, an adaptogenic herb, helps the body adapt to stress and regulate cortisol levels. Several studies show ashwagandha supplementation can reduce cortisol levels and improve the body’s stress response. Cherry rose moon milk is a great way to get some ashwagandha before bed!

    In one study published in The Indian Journal of Psychological Medicine, participants who took ashwagandha showed a significant reduction in cortisol levels and reported less stress and anxiety. Ashwagandha has also been shown to support improved sleep and better physical performance.

    2. Rhodiola Rosea

    Rhodiola rosea is another adaptogen that can help the body manage stress and balance cortisol rhythms. Studies suggest rhodiola can reduce fatigue, improve mood, and decrease cortisol levels during times of stress.

    A review published in Phytomedicine found that rhodiola supplementation helped reduce cortisol secretion and improved mental performance in individuals exposed to stress. This herb is particularly helpful for people who experience energy crashes during the day, as it helps maintain balanced cortisol levels throughout the day.

    3. Phosphatidylserine

    Phosphatidylserine is a phospholipid found in the brain that plays a critical role in cognitive function and cell signaling. Research has shown that phosphatidylserine supplementation can help reduce cortisol levels in response to exercise and stress.

    A study published in The Journal of the International Society of Sports Nutrition showed that participants who took phosphatidylserine experienced lower cortisol levels after intense physical activity. This supplement is beneficial for managing cortisol spikes after exercise or stressful events.

    Taking choline supplements in the morning was also helpful for my energy and focus. I rotate between this choline supplement, this one, and this one. I did this while also taking these cortisol supplements. 

    4. Magnesium

    Magnesium is a vital mineral that plays a crucial role in over 600 biochemical reactions in the body. It’s also known for its ability to help regulate the stress response. Studies have shown that magnesium supplementation can help reduce cortisol levels, especially in people experiencing chronic stress.

    A study in The Journal of Research in Medical Sciences found that magnesium supplementation helped lower cortisol levels in individuals under stress, improving both mood and relaxation. Magnesium-rich foods like leafy greens, nuts, and seeds can also support healthy cortisol rhythms. I also like to supplement with Magnesium Breakthrough which has 7 different types of magnesium 

    5. Omega-3s

    Omega-3 fatty acids are essential fats that play a crucial role in supporting overall health, and they’ve been shown to help regulate cortisol levels. Research indicates that omega-3s, found in fatty fish like sardines, can reduce inflammation and lower cortisol levels in response to stress. They also help improve brain function and mood, further supporting your body’s ability to manage stress effectively. 

    There are Omega-3 supplements and I occasionally take these but some people worry about oxidation in these supplements. Whenever possible I try to get Omega’s from food sources like seafood. 

    Adding sardines to your diet a few times a week is an excellent way to boost your omega-3 intake. Sardines are not only rich in omega-3s, but they’re also an affordable and sustainable option for enhancing your overall nutrition, helping to maintain balanced cortisol levels and improve your stress resilience.

    6. Magnolia Bark

    Magnolia bark is an ancient herb that has gained attention for its potential to support cortisol balance and promote relaxation. The active compounds in magnolia bark, particularly honokiol and magnolol, have been shown to help reduce cortisol levels by interacting with the body’s stress response systems. Studies suggest magnolia bark can help manage anxiety and promote a sense of calm, which is essential for keeping cortisol levels in check during stressful situations. 

    Additionally, magnolia bark may help improve sleep quality by supporting the natural decline of cortisol in the evening. Incorporating magnolia bark as a supplement or in a calming tea can be a beneficial addition to your routine for managing stress and promoting balanced cortisol levels.

    A supplement blend like this one has magnolia bark along with other supporting herbs for balanced cortisol. 

    How to Use Sleep to Improve Cortisol Levels

    Sleep is one of the most effective ways to balance cortisol levels and support overall hormone health. The relationship between sleep and cortisol is complex, but it’s essential for keeping your body’s stress response in check.

    1. Prioritize Sleep Quality

    Chronic sleep deprivation can elevate cortisol levels and disrupt your body’s natural rhythm. To optimize cortisol levels, focus on improving your sleep quality. Aim for 7-9 hours of sleep per night, and ensure that your sleep environment is conducive to rest. This means a dark, quiet, and cool room.

    Avoid caffeine and heavy meals close to bedtime, and incorporate relaxing activities like reading or meditation to wind down. Here’s how to create an ideal sleep environment.

    2. Maintain a Consistent Sleep Schedule

    Going to bed and waking up at the same time every day helps regulate your cortisol patterns. Irregular sleep schedules can confuse your body’s internal clock, leading to fluctuations in cortisol levels. Try to get up at the same time each morning, regardless of whether it’s a workday or weekend, and avoid sleeping in excessively.

    3. Use Sleep to Lower Cortisol at Night

    The body naturally releases cortisol in the morning to help you wake up, but cortisol should be at its lowest point at night to prepare your body for restful sleep. A consistent sleep routine, combined with reducing stress during the day, will help promote this natural decline. 

    Avoid stimulating activities in the evening, like intense exercise or stressful work tasks. These can raise cortisol levels and disrupt sleep. Here’s a peek into my nighttime routine.

    What I Do to Support Healthy Cortisol Patterns

    For me, balancing cortisol is about creating a routine that respects my body’s natural rhythms. In my opinion, supplements alone won’t work without these other lifestyle factors as well. Here’s what I do:

    • Morning sunlight: I aim to get outside within 30 minutes of waking up to soak up some natural sunlight. This helps reset my circadian rhythm and supports a natural cortisol surge to get my day started. I also try to eat breakfast and all meals outside when I can. 
    • Light exposure throughout the day: I make a point of staying active during the day, taking short breaks to step outside or sit near a window with natural light. This keeps my cortisol levels balanced throughout the day. I feel best when I get enough bright light 
    • Supplements: I take ashwagandha and magnesium in the evenings to support relaxation and help lower cortisol levels before bed.
    • Sleep routine: I stick to a consistent bedtime, avoiding screens for at least an hour before bed, and make sure my bedroom is cool, dark, and quiet.

    Action Steps

    • Get outside for 20-30 minutes in the morning to get natural light.
    • Consider adding supplements like ashwagandha or magnesium.
    • Establish a consistent sleep schedule and create a relaxing bedtime routine.

    By supporting your body’s natural rhythms with light, supplements, and sleep, you can help maintain balanced cortisol levels. This can lead to improved energy, mood, and overall health. 

    What do you do to support your cortisol levels? Leave a comment and let us know!

  • Gold Cup standings 2025: Full group stage schedule, results

    Gold Cup standings 2025: Full group stage schedule, results


    The 2025 Gold Cup kicks off on Saturday, June 14, with the final scheduled for July 6, 2025. The United States is hosting the tournament and is a co-favorite with Mexico to win the championship trophy. Both nations are installed with Gold Cup odds of +190 at FanDuel Sportsbook.

    Mexico or the United States have won the biennial tournament all but once dating back to its start in 1991. Canada won the tournament in 2000 after the US and Mexico were both eliminated in the quarterfinals of the knockout stage. Mexico has won the tournament nine times while the US has won it seven times.

    The group stage opens on June 14 with Mexico and the Dominican Republic facing off in Group A play. Group play wraps on June 24 at which point two nations from each group advance to the knockout stage. The quarterfinals will take place on June 28 and 29, the semifinals will take place on July 2, and the final will take place on July 6 in Houston.

    We’ll be tracking the full slate of matches of the group stage, with the schedule, results, and live updates of the standings until the eight quarterfinalists are determined. All times listed are ET.

    Gold Cup group schedule, standings

    Group A

    1. Mexico: 2-0-0, 4 GF 2 GA (+3), 6 points
    2. Costa Rica: 2-0-0, 6 GF 4 GA (+2), 6 points
    3. Dominican Republic: 0-0-2, 3 GF 5 GA (-2), 0 points
    4. Suriname: 0-0-2, 3 GF 6 GA (-3), 0 points

    Schedule

    June 14: Mexico 3, Dominican Republic 2
    June 15: Costa Rica 4, Suriname 3

    June 18: Costa Rica 2, Dominican Republic 1
    June 18: Mexico 2, Suriname 0

    June 22: Mexico v. Costa Rica, 10:00 p.m., Las Vegas, NV
    June 22: Dominican Republic v. Suriname, 10:00 p.m., Arlington, TX

    Group B

    1. Canada: 1-0-0, 6 GF 0 GA (+6), 3 points
    2. Curaçao: 0-1-0, 0 GF 0 GA (+0), 1 points
    3. El Salvador: 0-1-0, 0 GF 0 GA (+0), 1 points
    4. Honduras: 0-0-1, 0 GF 6 GA (-6), 0 points

    June 17: Curaçao 0, El Salvador 0
    June 17: Canada 6, Honduras 0

    June 21: Curaçao v. Canada, 7:00 p.m., Houston, TX
    June 21: Honduras v. El Salvador, 10:00 p.m., Houston, TX

    June 24: Honduras v. Curaçao, 10:00 p.m., San Jose, CA
    June 24: Canada v. El Salvador, 10:00 p.m., Houston

    Group C

    1. Panama: 1-0-0, 5 GF 2 GA (+3), 3 points
    2. Guatemala: 1-0-0, 1 GF 0 GA (+1), 3 points
    3. Jamaica: 0-0-1, 0 GF 1 GA (-1), 0 points
    4. Guadeloupe: 0-0-1, 2 GF 5 GA (-3), 0 points

    June 16: Panama 5 Guadeloupe 2
    June 16: Guatemala 1, Jamaica 0

    June 20: Jamaica v. Guadeloupe, 7:45 p.m., San Jose, CA
    June 20: Guatemala v. Panama, 10:00 p.m., Austin, TX

    June 24: Panama v. Jamaica, 7:00 p.m., Austin, TX
    June 24: Guadeloupe v. Guatemala, 7:00 p.m., Houston, TX

    Group D

    1. United States: 2-0-0, 6 GF 0 GA (+6), 6 points
    2. Saudi Arabia: 1-0-1, 1 GF 1 GA (+0), 3 points
    3. Haiti: 0-1-1, 1 GF 2 GA (-1), 0 points
    4. Trinidad and Tobago: 0-1-1, 1 GF 6 GA (-5), 0 points

    June 15: USA 5, Trinidad and Tobago 0
    June 15: Saudi Arabia 1, Haiti 0

    June 19: Trinidad and Tobago 1, Haiti 1
    June 19: USA 1, Saudi Arabia 0

    June 22: Saudi Arabia v. Trinidad and Tobago, 7:00 p.m., Las Vegas, NV
    June 22: USA v. Haiti, 7:00 p.m., Arlington, TX

  • Translating the real meaning of risk in Cotality’s 2025 Hurricane Risk Report

    Translating the real meaning of risk in Cotality’s 2025 Hurricane Risk Report


    This post is part of a series sponsored by Cotality.

    Hurricane risk isn’t exclusive to Florida — or to coastal areas at all, for that matter. Many people, including insurance professionals, do not realize how far hurricane risk can spread.

    Migration patterns within Florida show that people are aware of risks in the coastal areas the Sunshine state. But, even as more people move out of coastal Florida to areas further inland, or to other states entirely, they may not realize that hurricane risk can follow them. As we say in this business, lower risk is still risk.

    Also, not only does hurricane risk stretch further than many assume, but the social impacts of hurricanes are far-reaching (reverberating for longer than just the year these storms strike).

    Understanding the full extent of hurricane risk, both in time and space, is important for everyone, especially those in the driver’s seat of this system.

    The more insurers understand about hurricane risk, the more proactive they can be about assessing hurricane risk in their decisions, and the better they can prepare claims resources for hurricanes, and sub perils like heavy winds and flooding that come with them.

    With this in mind, Cotality™ has taken a new approach to the way it presents risk data in its 2025 Hurricane Risk Report.

    Turning data into stories

    Instead of focusing primarily on the forecast for the 2025 Atlantic hurricane season (June through November) and reporting only on the reconstruction values of the millions of likely to-be-impacted properties, we’ve built stories around the data. In this year’s report, we illustrate how areas beyond coastal communities could also suffer.

    We also restructured our report to analyze the long-lasting social impacts that hurricanes and their subperils have. We’ve have also captured how increased property mitigation efforts can fortify more than just the structure.

    While reading data is helpful, information is easier to absorb when it is framed in a captivating story.

    When insurers understand all the implications of hurricane risk, they are better able to communicate with policyholders on such matters as mitigating their properties against precipitation, winds, and flooding. Smart mitigation is critical to lowering community hurricane risk.

    Hurricane risk is set to impact tens of millions of communities from Maine to Florida in the coming months. Read Cotality’s newest Hurricane Risk Report today, and you’ll discover:

    • How risk affects not just insurers and policyholders, but the entire property ecosystem.
    • Why awareness is key to stabilizing home values, preventing displacement, and preserving generational wealth.
    • How inland areas are increasingly vulnerable to hurricane-related impacts.
    • Real-world anecdotes to help communicate the real meaning of risk to both colleagues in the ecosystem and to policyholders.

    It’s a short read, but it will change your approach to hurricane preparation and proactive customer engagement.

    © 2025 Cotality. All rights reserved. While all of the content and information is believed to be accurate, the content and information is provided “as is” with no guarantee, representation, or warranty, express or implied, of any kind including but not limited to as to the merchantability, non-infringement of intellectual property rights, completeness, accuracy, applicability, or fitness, in connection with the content or information or the products referenced and assumes no responsibility or liability whatsoever for the content or information or the products referenced or any reliance thereon. Cotality™, the Cotality logo, and Intelligence beyond bounds™ are the trademarks of CoreLogic, Inc. d/b/a Cotality or its affiliates or subsidiaries.

    Topics
    Catastrophe
    Natural Disasters
    Trends
    Hurricane

    Interested in Catastrophe?

    Get automatic alerts for this topic.

  • Top Elements of Investment Explained

    Top Elements of Investment Explained


    Investing can seem overwhelming at first, especially for beginners—but with the right understanding, it becomes a strategic and empowering way to build long-term wealth. Whether you’re planning for retirement, funding your child’s education, or aiming for financial independence, knowing how investments work is key to making informed decisions. This blog breaks down the core elements of investment and explains how they shape your financial journey.

    By understanding key concepts like risk, return, diversification, and time horizon, you can avoid common pitfalls and make choices that align with your goals.

    What Is Investment?

    At its core, investment is the act of putting your money into assets—like stocks, bonds, or real estate—with the expectation of generating a return over time. Unlike saving, which prioritizes safety and liquidity, investing involves some level of risk in exchange for the potential of higher returns.

    However, building wealth through investment isn’t just about choosing assets. It’s about understanding the elements of investment that influence risk, performance, and growth.

    Why Understanding the Elements of Investment Is Crucial

    You wouldn’t build a house without a blueprint—and similarly, you shouldn’t invest without understanding the key components that determine success. These elements guide how you choose assets, manage risk, and plan your financial future.

    Let’s explore them one by one.

    1. Risk

    Risk is the possibility that your investment may not perform as expected, or worse, may result in a loss. Every type of investment comes with some level of risk, including:

    • Market Risk: Price fluctuations in the stock or bond markets.
    • Inflation Risk: When inflation outpaces your investment returns, reducing real purchasing power.
    • Interest Rate Risk: Especially relevant to fixed-income instruments like bonds.
    • Credit Risk: The chance a bond issuer may default on payments.

    Understanding your personal risk tolerance—how much loss you can emotionally and financially bear—is the first step toward effective investing. An investment advisor can help you assess and align your investments with your risk appetite.

    2. Return

    Return is what you earn from your investments, typically expressed as a percentage. It comes in two primary forms:

    • Capital Gains: Profit from selling an asset at a higher price than you paid while purchasing.
    • Income: Dividends from stocks or interest from bonds.

    High returns often come with higher risk, so balancing your portfolio to match your goals is key.

    3. Time Horizon

    It is the duration for which you plan to keep your money invented before you need it. Time horizon influences your choice of investment assets.

    • Short-Term (0–3 years): Low-risk instruments like fixed deposits, liquid mutual funds.
    • Medium-Term (3–5 years): Balanced mutual funds, debt funds.
    • Long-Term (5+ years): Equity mutual funds, stocks, real estate.

    Longer horizons allow you to absorb market volatility and benefit from compounding.

    4. Diversification

    In this strategy you spread investments across different asset classes, sectors, or geographies. It reduces the impact of poor performance in a single area.

    For example, if the tech sector crashes, having investments in healthcare, FMCG, or real estate can offset losses. 

    5. Liquidity

    Liquidity measures how quickly and easily you can convert an investment into cash without significantly affecting its value.

    • High Liquidity: Stocks, mutual funds.
    • Moderate Liquidity: Bonds, ETFs.
    • Low Liquidity: Real estate, private equity.

    If you anticipate needing access to your funds soon, prioritizing liquid investments is essential.

    6. Compounding

    Often called the “eighth wonder of the world,” compounding is the process where your investment returns generate their own returns over time.

    Here’s a quick example:

    • You invest ₹10,000 at 8% annual interest.
    • After 1 year: ₹10,800.
    • After 2 years: ₹11,664 (interest on ₹10,800).
    • Over 10–20 years, this snowball effect can significantly multiply your wealth.

    Starting early and staying invested is the secret to harnessing compounding.

    7. Costs, Fees & Taxes

    Investing comes with costs that can erode returns if not managed wisely:

    • Fund Management Fees: Charged by mutual funds and portfolio managers.
    • Brokerage Fees: For buying/selling shares.
    • Exit Loads: Charged when exiting certain mutual funds early.
    • Taxes:
      • Short-Term Capital Gains (STCG): Taxed at 15% for equities held less than a year.
      • Long-Term Capital Gains (LTCG): Taxed at 10% beyond ₹1 lakh per year on listed equities.

    A reliable investment advisory service helps you optimize for tax efficiency and net returns.

    Types of Investments (With Comparison Table)

    Understanding different investment vehicles helps you diversify wisely and choose options aligned with your financial goals, risk tolerance, and liquidity needs. Here’s a quick comparison:

    Investment Type Risk Level Liquidity Return Potential Best For
    Stocks (Equity) High High High Long-term capital growth, wealth creation
    Bonds Low to Medium Medium Moderate Steady income, capital preservation
    Mutual Funds & ETFs Varies (Low to High) High Moderate to High Diversification, beginners, passive investing
    Real Estate Medium to High Low High Passive income, portfolio diversification
    Commodities (Gold, Oil, etc.) Medium Medium Medium Inflation hedge, asset diversification
    Public Provident Fund (PPF) Low Low (15-year lock-in) Fixed (Government-backed) Tax-saving, retirement planning
    Savings A/C & Fixed Deposit Very Low Very High Low Emergency fund, capital safety
    Cryptocurrency Very High High Very High High-risk investors, speculative opportunities

    8. Goals & Strategy Alignment

    Every investor should define clear financial goals—buying a home, funding education, or planning retirement. These goals shape your asset allocation and risk strategy.

    For example:

    • A 25-year-old investing for retirement can afford to invest heavily in equities.
    • A 55-year-old nearing retirement may prioritize safety and capital preservation.

    A qualified investment advisor will help align your portfolio with your personal goals and milestones.

    9. Monitoring and Rebalancing

    Once you’ve invested, the journey doesn’t end there. Regularly monitoring your investments ensures you’re on track to meet your goals. Over time, the weight of different assets in your portfolio may shift due to market performance.

    Rebalancing is the process of realigning your portfolio to its original target allocation. It helps maintain the desired risk level and captures profits from overperforming assets.

    10. Professional Guidance

    Even with a solid understanding of the elements of investment, the financial world can be complex. Partnering with an experienced investment advisor can provide personalized guidance, save time, and enhance decision-making.

    A good investment advisory service offers:

    • Risk assessment
    • Tailored asset allocation
    • Tax-efficient planning
    • Regular updates and reviews

    At Fincart, our seasoned advisors work with you to build a strategy that fits your life and financial vision.

    Steps to Start Your Investment Journey

    Here’s a simplified roadmap:

    1. Define Your Goals: Be clear about what you’re saving for and when you need the money.
    2. Assess Your Risk Tolerance: Know how much volatility you’re comfortable with.
    3. Choose the Right Asset Mix: Based on your goals, time horizon, and risk profile.
    4. Start Small, Stay Consistent: Use SIPs in mutual funds to build a habit.
    5. Review Periodically: Track performance and rebalance when needed.
    6. Seek Expert Help: Use professional investment advisory services to make informed choices.

    Behavioral Aspects of Investing

    While technical knowledge and asset selection are essential, an often overlooked yet critical factor in successful investing is investor behavior. Emotions such as fear, greed, and impatience can heavily influence investment decisions and sometimes do more harm than market volatility itself.

    Common Behavioral Traps to Avoid:

    • Herd Mentality: Following the crowd without understanding the fundamentals of an investment can lead to poor choices. Just because everyone is buying a certain stock doesn’t mean it aligns with your financial goals.
    • Overconfidence Bias: Some investors believe they can time the market perfectly. However, even experienced professionals often struggle with market timing. Relying on a disciplined strategy is far more effective.
    • Loss Aversion: Many investors fear losses more than they value equivalent gains. This can lead to premature selling during market downturns or hesitance to invest altogether, stalling long-term growth.
    • Short-Term Thinking: Investing requires patience. Jumping from one asset to another in pursuit of quick profits can result in excessive fees and missed opportunities. A long-term outlook, supported by solid research or investment advisory services, typically yields better results.

    This is where the value of an investment advisor becomes apparent. A seasoned advisor helps clients navigate market emotions, stay focused during downturns, and avoid reactive decisions that could derail long-term plans.

    Ultimately, successful investing is a balance of strategy and psychology. The best investment plan can fail if not executed with discipline and emotional control.

    Pro Tip: Before reacting to market news or volatility, revisit your goals and speak with your advisor. A calm, informed approach often leads to better outcomes than emotionally driven decisions.

    Conclusion

    Mastering the elements of investment is the first step toward building long-term financial security. By understanding risk, return, time horizon, diversification, compounding, and liquidity, you can create a strategy tailored to your goals.

    But remember, investing is not a one-size-fits-all solution. Everyone’s financial journey is unique, and the smartest way to succeed is by working with the right partner.

    Fincart offers personalized investment advisory services designed to help you make smarter decisions with confidence. Whether you’re a beginner or a seasoned investor, our team is here to guide you at every step.



  • Bumping Up Training – BionicOldGuy

    Bumping Up Training – BionicOldGuy


    My problems with sciatica are pretty dormant right now so I have been able to bump up my training. I still get a little soreness in my right SI joint if I walk or stand around too much and it sometimes refers minor pain down my leg. I’ve researched how SI joint issues might cross over into sciatica and it seems there are at least two mechanisms. The piriformis muscle crosses the SI joint and can get irritated, which in turn can affect the sciatic nerve which runs right under it (or in some people, it runs through the piriformis muscle). A second way is that if the SI joint is inflamed, it can release inflammatory enzymes (cytokines) which can cross over to the nearby sciatic nerve. There is also a detailed discussion of how the SI joint affects sciatica in this youtube video. Whatever the mechanism, I nip this in the bud by cutting walks short or sitting as needed. Also, I’ve found it helps to wear an SI joint belt. Fortunately, none of my main exercise activities of cycling, arm-cycling, or strength training with resistance bands cause any symptoms.

    So lately I’ve been going a bit harder and longer on all these activities and it feels good. Yesterday I did 30 minutes of easy arm-cycling, then a three hour ride with my local group. We went out to the end of Redwood Retreat Road southwest of Morgan Hill, one of my favorite routes. It was a brisk pace and pretty pleasant most of the way but was getting a little hot towards the end. This is the time of year to wear lighter layers and remember to bring ice water in my hydration bladder.

    Taking a break at the entrance to Kirigin Winery at the top of Day road
    The view towards the West from the same spot, with Mount Madonna in the distance

    Unknown's avatar

    Published by BionicOldGuy

    I am a Mechanical Engineer born in 1953, Ph. D, Stanford, 1980. I have been active in the mechanical CAE field for decades. I also have a lifelong interest in outdoor activities and fitness. I have had both hips replaced and a heart valve replacement due to a genetic condition. This blog chronicles my adventures in staying active despite these bumps in the road.

    Published



  • How to find the Right Accountant

    How to find the Right Accountant


    With End of Financial Year (EOFY) quickly approaching, you’re probably starting to think about who you need to assist with processing and lodging your tax returns. If you are looking for an accountant for your new business or are unhappy with your current advisor, now is a good time to be looking for one that fits your needs.

    No matter the industry you are in lawyer, tradie, service or hairdresser, you’ll know it’s important to choose the person you outsource work to carefully.

    Here are some good questions to ask an accountant before you hire them.

    1. What services do you provide?

    You need to ensure that your accountant will provide all the services that you need assistance with.

    For example, you could require an accountant to work on your annual tax documents, app advisor, tax advisory, business reporting, structure planning or auditing services.

    Make a list of all your needs as there is no point hiring someone who is only willing to work on one or two of the areas you need help with.

    2. How does your fee structure work?

    Asking about fees is important however ensure you get all the info about different charges and not just their general charges.

    You need to know if they have any potential ‘hidden’ fees you should be aware of. This could include things like additional charges for getting work done in a short timeframe, fees for photocopying or postage, costs for working with a particular type of accounting software, and so on.

    Learn as much as you can so that when you compare fees for different accountants you’re doing so fairly and accurately. See if they do a fixed price agreement that covers all of your fees for the year. This can be a great way to manage cashflow with a regular monthly payment.

    3. What kinds of clients/industires do you work with?

    This question is a great one because you need to find out if an accountant has enough experience working with your type of business. Some industries have to follow certain criteria on how income and expenses are recorded and it may take some time to find the right accountant that has up to date experience in specific industries.

    4. What accounting software do you support?

    Not all accountants use online software, I have seen many accountants pull figures from xero and put them into a desktop based software. If you want your file to be accurate and up to date make sure your accountant will be completing your accounts in your software.

    If you don’t have a system yet now is a great time to see what is available and hear some different opinions on what is best for you.

    5. How do you communicate?

    A good relationship comes down to communication so make sure you are happy with the communication methods the accountants use. If you want a meeting each year to sign off your accounts and go through the figures or regular face-to-face meetings check that they will do this.

    6. Will I always deal with you?

    This can be important to some people to only deal with one person at a firm, the person you meet with will typically be a partner and they most likely will not be completing your accounts. You will need to ask if this will be the case or if you will have a different person completing your work each year. Some firms will allocate work to specific accountants and you are just their client however larger firms may have several accountants working on your accounts depending on the size.

    This may help you answer the question of scalability within your company. If you intend on growing your business will the firm be able to handle the company becoming larger and more complex. A smaller firm may not be able to handle to workload if your business grows.

  • Are Sardines Good for You?

    Are Sardines Good for You?


    Most people think of sardines as old-fashioned pantry food, but the truth is far more powerful. Aside from being versatile and budget-friendly, they’re one of the healthiest foods you can easily purchase.

    Sardines offer bioavailable protein, critical amino acids like taurine and arginine, and highly absorbable omega-3s, all in one bite. Their impressive nutritional profile is what makes them a foundational food that helps fight inflammation, protect your heart, and restore metabolic health.

    Sardines Deliver a Nutrient Matrix That Protects Your Heart and Brain

    Small and fast-growing, sardines are a type of oily fish that belong to the herring family. These silvery fish, which can be distinguished by having one small dorsal fin, are found in almost every ocean in the world.1 Sardines are available fresh or canned, preserved in cans with oil, water, or sauce. They have a meaty texture and a mild, fishy flavor,2 making them a versatile ingredient for various seafood dishes.

    Despite their size (they typically do not exceed 12 inches in length) sardines deliver a comprehensive matrix of nutrients that provide myriad benefits, from supporting bone health to promoting red blood cell formation. They are packed with healthy fats, vitamins, minerals, and protein, all in one whole food. To give you a clearer idea, here’s what you’ll get from a 100-gram serving of sardines,3 as detailed by News-Medical.net:4

    • Protein (24 grams) — The high-quality, bioavailable protein in sardines provides fuel for your muscles, supporting repair, growth, and energy. Sardines also provide you with taurine and arginine, which are essential amino acids that support heart and blood pressure health, as well as boost your antioxidant systems.

    • Vitamin B12 (8.9 micrograms) — This nutrient helps improve your energy levels and supports red blood cell production. It’s also essential for brain health. Other vitamins found in this food are vitamins E and D (sardines are actually one of the few food sources of this nutrient5).

    • Calcium (382 mg) — Sardines are a good dairy alternative because of their high calcium content (for context, an 8-ounce cup of milk contains 300 mg of calcium.6), making them a wonderful food for bone and cardiovascular function.

    • Selenium (52.7 ug) — According to the article, the selenium in sardines supports immune health and promotes DNA repair. Your body also uses this mineral to create and recycle glutathione, your body’s “master antioxidant;” without enough selenium, your cells are left unprotected from damage.7

    • Phosphorus (490 mg) and magnesium (39 mg) — Together with magnesium, these nutrients work to keep your bones mineralized and strong. They also stabilize your heart rhythm, support muscle contractions, and help your nerves fire correctly.

    • Coenzyme Q10 — Although the quantity is not well-established, CoQ10 is also found in sardines. This compound is not only essential for mitochondrial energy production, but it also reduces oxidative stress, which contributes to fatigue and chronic disease.

    One of the top advantages of sardines is that, unlike larger fish varieties like tuna or swordfish, they do not bioaccumulate high amounts of mercury. These make them a wonderful choice for people who need to be cautious about their exposure to this heavy metal, such as pregnant women, breastfeeding mothers, and young children.

    “Unlike fish oil supplements, sardines provide nutrients in a whole-food form that is easily accessible and well-tolerated. The growing popularity of sardines reflects a shift toward natural, nutrient-rich options that promote long-term health,” News-Medical.net reports.8

    What’s more, sardines beat processed meats for clean, lean protein. Compared to heavily processed meats like sausage, bacon, and deli cold cuts, sardines offer a cleaner, more efficient way to meet your protein needs without piling on harmful additives or excess polyunsaturated fats (PUFs).

    Sardines Are Rich in Omega-3 Fats

    Sardines offer some of the highest concentrations of omega-3 fats, specifically docosahexaenoic acid (DHA) and eicosapentaenoic acid (EPA), among all seafood options. These healthy fats are good for your cardiovascular health, as they reduce inflammation, stabilize heart rhythms, lower blood pressure, and improve the quality of your blood lipids.9

    • Why EPA and DHA are superior omega-3s — There are actually three types of omega-3 fats — these are EPA, DHA, and alpha-linolenic acid (ALA). ALA differs from the two because it is sourced from plant-based foods. However, EPA and DHA surpass ALA in terms of their bioavailability. To put it simply, your body uses these two animal-based omega-3s more easily, allowing you to better reap their benefits.10

    • Omega-3s play a vital role in cell membrane structure and function — They influence how your cells communicate and operate. Omega-3s maintain membrane flexibility, which is essential for various processes, including nerve function and immune responses. However, your body cannot produce these essential fatty acids, so you must obtain them through your diet.

    • Omega-3 DHA boosts your brain health — DHA is a major structural component of the brain, essential for development in infants and children and for maintaining cognitive function throughout life. Research suggests potential benefits for memory, focus, mood regulation, and even reducing symptoms of depression and anxiety.11

    As for adults, one study notes that regularly eating sardines and other fish high in DHA were found to have healthy brain MRIs compared to people who consume fried fish or have a lower seafood intake.12

    • Omega-3s from sardines are good for your heart — In optimal amounts (more on this later), omega-3s EPA and DHA offer significant heart benefits, such as reducing inflammation, supporting vascular health, and improving heart rhythm. An analysis published in the JAMA Internal Medicine journal notes:13

    “[A] minimal fish intake of 175 g (approximately 2 servings) weekly is associated with lower risk of major CVD [cardiovascular disease] and mortality among patients with prior CVD but not in general populations. The consumption of fish (especially oily fish) should be evaluated in randomized trials of clinical outcomes among people with vascular disease.”

    • Remember, you must get the right amount of omega-3s to reap its cardiovascular health benefits — Apparently, consuming too much omega-3s, particularly from supplements, is harmful as well, as it puts you at risk of atrial fibrillation (AFib),14 a type of arrhythmia that causes an irregular and often rapid heartbeat.

    In fact, the relationship between omega-3s and heart health can be visualized as a U-shaped curve, where both deficiency and excess are detrimental. Learn more about this concept in my article, “The Omega-3 Paradox — How Much Is Too Much?”

    However, by prioritizing your intake from whole food sources like sardines and other wild-caught fatty fish, and eating them in moderate amounts, you’ll sidestep this concern, since you’re getting omega-3s in their natural form along with other essential nutrients.

    Other Health Benefits of Sardines

    Sardines aren’t just for older adults or those who want to protect their heart health. They’re powerful for almost any age, as they help prevent disease, stabilize energy, and protect long-term health. Below are some additional benefits you could get when you add sardines to your diet:15

    • Supports eye health — Regular consumption of DHA and EPA has been associated with a reduced risk of retinal disorders, including dry eye disease and age-related macular degeneration (AMD). If you’re constantly dealing with dry and irritated eyes, bumping up your sardine consumption will boost your tear production and reduce inflammation.16,17

    • Helps promote healthy fetal growth — Since pregnant women are advised to manage their seafood consumption because of the mercury in many fish varieties, sardines is one safe option for them. Studies found that omega-3s in sardines and other fish provide vital support for fetal and infant neurodevelopment.18

    • Boosts bone health — A 2023 study found that adults who consumed moderate amounts of healthy fats have improved bone mineral density. By consuming sardines, they will get moderate amounts of fatty acids to ensure sufficient bone mass.19

    Eating 2 Sardines a Day Helps Keep Diabetes at Bay

    Prediabetes is a condition in which your blood sugar level is too high, but not high enough for Type 2 diabetes. Today, 97.6 million American adults are dealing with this “invisible” condition — While you may not feel any changes, the damage is happening under the surface. Chronically elevated blood sugar quietly wears down your vascular system, creates inflammation, and reduces insulin sensitivity.

    Sardines counter this by providing clean protein and essential minerals, and by supplying nutrients that support stable glucose metabolism. A 2021 study published in the Clinical Nutrition journal found that consistently consuming sardines may help protect against Type 2 diabetes.

    • Researchers designed a study to test sardines’ effects — To conduct their experiment, the researchers enrolled 152 prediabetic adults at least 65 years old and placed them on a nutritional program aimed at reducing their risk of developing Type 2 diabetes. They were grouped into a control group and an intervention group.

    • The intervention involved eating sardines with specific instructions — The intervention group was asked to consume approximately two cans of sardines in olive oil each week. The participants were given instructions to eat the entire sardine without removing the bones and were given a list of recipes.

    • Sardine consumption significantly reduced diabetes risk — At the end of the year-long intervention, the researchers compared the risk of developing diabetes from the beginning of the study and the end of the study.

    In the control group, 27% were at high risk of developing Type 2 diabetes at the start of the study, which dropped to 22% at the end of one year with nutritional changes. However, in the sardine group, 37% were at high risk of developing Type 2 diabetes before the intervention began. At the end of the year, this dropped to 8%.

    • Additional health markers improved in the sardine group — The researchers also found there were other measurable parameters that improved in the group that consumed sardines each week. These included a reduction in insulin resistance, a rise in HDL cholesterol and an increase in adiponectin, a hormone that accelerates the breakdown of glucose. They also measured a decrease in blood pressure and triglycerides.

    “Not only are sardines reasonably priced and easy to find, but they are safe and help to prevent the onset of Type 2 diabetes. It is easy to recommend this food during medical check-ups, and it is widely accepted by the population,” Diana D. Rizzolo, the study’s lead researcher, said.

    “As we get older, restrictive diets (in terms of calories for food groups) can help to prevent the onset of diabetes … the results lead us to believe that we could obtain an equally significant preventive effect in the younger population.”

    A Few Notes When Buying and Eating Sardines

    Sardines don’t require refrigeration, they’re available year-round, and they’re incredibly versatile. You can add them to salads, sandwiches, and rice dishes. The flavor is bold, but when balanced with citrus, herbs, or tomato-based sauces, sardines become a savory, satisfying part of any meal.

    • If you’re new to sardines, start small — Mix them into dishes where you’d normally use tuna, or mash them with mustard or Greek yogurt for a simple, nutrient-dense spread.20

    • Fresh or canned? If you live in a coastal area and have access to fresh sardines caught locally, you’re in luck; they’re superior to canned varieties. Not only do they have a milder and sweeter taste, but they are also lower in sodium and have less nutrient loss as they are minimally processed.

    • Fresh sardines require more preparation time — Look for fresh sardines that smell fresh (not fishy or stale). They should be firm to the touch, with bright eyes and a shiny skin.21 You’ll need to clean them properly before cooking them. The ones that you will not be cooking must be placed in the freezer immediately.

    • Canned sardines are a more convenient option — If you don’t have access to fresh seafood, this is an ideal option. Canned sardines are already cooked and come in different varieties — packed in water, oil, tomato sauce, and even mustard. They have a long shelf life, and will last in the pantry for years.

    • There are drawbacks to choosing canned sardines — For one, they could be high in sodium because of the liquid they’re brined in. Wash the sardines under cold water or remove the excess oil before eating. Canned sardines could also have bisphenol A (BPA), which may transfer from the can. To sidestep this, look for sardines sold in glass jars.

    Frequently Asked Questions (FAQs) About Sardines

    Q: Why are sardines considered one of the healthiest fish to eat?

    A: Sardines are rich in essential nutrients like omega-3 fats (EPA and DHA), high-quality protein, calcium, selenium, and vitamin B12. They provide whole-body support for heart health, brain function, bone strength, and immune balance — all in a clean, low-toxin form.

    Q: Can sardines help prevent Type 2 diabetes?

    A: Yes. A 2021 study found that adults with prediabetes who ate two servings of sardines per week had a dramatic drop in diabetes risk — from 37% to just 8% in one year — alongside improved cholesterol, insulin sensitivity, and reduced blood pressure.

    Q: How are sardines better than other protein sources like bacon or deli meats?

    A: Unlike processed meats that are loaded with saturated fat, additives, and inflammatory compounds, sardines offer lean protein with heart-protective omega-3s and no harmful preservatives. They also support energy, blood sugar control, and metabolic repair.

    Q: Are sardines safe to eat regularly given concerns about mercury in fish?

    A: Yes. Sardines are small, fast-growing fish that don’t accumulate mercury the way larger fish like tuna or swordfish do. This makes them a safer option for regular consumption, even for pregnant women, breastfeeding mothers, and children.

    Q: What are some practical ways to add sardines to your diet?

    A: Sardines are incredibly versatile — use them in salads, pasta, rice bowls, or spread them on crackers. If you’re new to the flavor, try mashing them with mustard or Greek yogurt. Choose BPA-free canned varieties or fresh sardines if available.

  • Triple-I Blog | Insurance Affordability, Availability Demand Collaboration, Innovation

    Triple-I Blog | Insurance Affordability, Availability Demand Collaboration, Innovation


    Triple-I Blog | Insurance Affordability, Availability Demand Collaboration, Innovation

    By Lewis Nibbelin, Contributing Writer, Triple-I

    Insurance industry executives and thought leaders gathered yesterday for Triple-I’s Joint Industry Forum (JIF) in Chicago to discuss the trends, economics, geopolitics, and policy influencing the market today, as well as ways to navigate these complexities while focusing on making their products affordable and available for consumers.

    Triple-I CEO Sean Kevelighan in his opening remarks, noted that effective risk management depends on collaboration across stakeholder groups, as interconnected perils “present a community problem, not just an industry problem.”

    JIF keynote speaker Louisiana Insurance Commissioner Tim Temple said facilitating community resilience planning is a top priority for the National Association of Insurance Commissioners (NAIC). The NAIC’s 2025 initiative  – “Securing Tomorrow: Advancing State-Based Regulation” – aims to improve disaster mitigation and recovery by consolidating “the collective expertise of experienced state regulators from across the country, who can share real-time insights and proven strategies,” Temple said.

    Among the initiative’s goals is aggregating more data from insurers to better understand challenges to affordability and availability on state levels, which the NAIC can then translate into actionable policy proposals. Such data calls, Temple said, help regulators, legislators, and policyholders focus on improving the cost drivers of insurance rates.

    Louisiana has consistently been among the least affordable states for homeowners and auto insurance, according to the Insurance Research Council (IRC), in part because of its reputation for being plaintiff-friendly in civil litigation. Significant tort legislation has been approved in the state, but resistance to reform remains a challenge.

    Getting to the roots of high premiums

     After a recent data call in his home state, Temple told the JIF audience, “For the first time in Louisiana, we’re not talking about only premiums. We’re talking about why premiums are where they are.”

    A critical lack of transparency surrounding cost drivers persists, however. Temple criticized the National Flood Insurance Program’s Risk Rating 2.0 reforms for not publicly disclosing more information “for individuals and communities to identify and address factors driving up their premiums,” such as “whether increased rates take into account levee systems, pump stations, and other things designed to help mitigate against floods.”

    Conversely, government programs like Strengthen Alabama Homes – and the numerous programs it inspired, including in Louisiana – have demonstrated success in communicating the benefits of resilience investments for consumers and policymakers.

    “We’re seeing major positive results after just a few short years,” Temple said, noting that, since early 2024, over 5,000 homeowners not chosen for Louisiana’s grant program still decided to invest in the same hazard mitigation, as they may still qualify for the corresponding state-mandated insurance discounts.

    “As natural disasters become more frequent and severe, state regulators will continue to drive forward common-sense policies that protect consumers and ensure that insurance remains available and reliable for at-risk communities,” Temple concluded. Developing the database required for such policies is a necessary first step.

    Keep an eye on the Triple-I Blog for further JIF coverage.

    Learn More

    Significant Tort Reform Advances in Louisiana

    Louisiana Senator Seeks Resumption of Resilience Investment Program

    Louisiana Reforms: Progress, But More Is Needed to Stem Legal System Abuse

    Louisiana Is Least Affordable State for Personal Auto Coverage Across the South and U.S.

    Who’s Financing Legal System Abuse? Louisianans Need to Know

    Study Touts Payoffs From Alabama Wind Resilience Program

    Outdated Building Codes Exacerbate Climate Risk

    Resilience Investments Paid Off in Florida During Hurricane Milton

  • Am I RICH or POOR? Who decides this – Me or Society?

    Am I RICH or POOR? Who decides this – Me or Society?


    Am I rich or poor? It’s a question many silently ask but rarely answer for themselves. Is it income, lifestyle, or peace of mind that defines our true wealth?

    Am I rich or poor? It’s a question of perception, not numbers

    Am I RICH or POOR? Who decides this – Me or Society?

    Recently, my daughter commented on our small car, comparing it with others around us. I shared my reply to her on Twitter. That turned bit viral, and few asked me the price of the car (to judge my net worth), and few branded me as I am poor 🙂 (Sharing the tweet below) That small remark sparked a big thought in my mind — Am I rich or poor? Who decides this — is it me, my family, or the society I live in?

    This isn’t just about wealth on paper. It’s about how we feel about our financial lives. For some, richness means a luxury lifestyle. For others, it might simply mean living without debt, peacefully and healthily.

    How Society Distorts Our Financial Self-Worth

    We often measure our wealth by comparing it with others. Live in a modest neighbourhood, and you may feel rich. Move to a more affluent area, and you may suddenly feel poor.

    “Too many people spend money they haven’t earned, to buy things they don’t want, to impress people they don’t like.” — Will Rogers

    Our perception of wealth gets hijacked by society. But in reality, whether you’re rich or poor should be defined by you, not the crowd around you.

    If you live in a society where your neighbours are poorer than you, then you always feel RICH. Inversely, if you move to a wealthier society than you are, then you will always feel poor in yourself. In simple terms, if you surround yourself with people who are financially poorer than you, then you will be rich and vice versa.

    Peace of Mind and Health: The True Measures of Wealth

    For me, real richness is not about crores in the bank. It’s about peace of mind and good health.

    You might have Rs.100 Cr in assets, but if you’re stressed, unhealthy, or constantly comparing, then what’s the point?

    “It’s not your salary that makes you rich, it’s your spending habits.” — Charles A. Jaffe

    I’m not denying the importance of money. It matters. But what matters more is knowing how much is enough for you and your family to live a meaningful life.

    Status of My Financial Life: A Personal Reflection

    Let me share a bit from my own journey.

    I had only two financial goals:

    1. My daughter’s graduation and post-graduation
    2. My own retirement

    Fortunately, I achieved the first goal much earlier than expected. Now, I focus solely on the second.

    Today, I have a retirement corpus that can cover about 25 years of my current expenses. Some may say it’s enough, others may disagree. But I’m satisfied — and that’s what matters most to me. But it does not mean I set my retirement age. For me the retirement is when my body and mind no longer support working for me. Until that period, I am happy to work, and I love working.

    I started with zero net worth in 2011, right after I quit my BPO job and completed my CFP certification. Since then:

    • I purchased an independent house and cleared the loan in 2–3 years
    • Bought a car without any loan
    • Built my life completely debt-free

    No shortcuts, no magic — The secret is “never increasing our expenses (subject to inflation) even though our income increased drastically”.

    Simple Living = Rich Living

    Despite a rise in income over the years, our lifestyle hasn’t drastically changed. Apart from accounting for inflation, we live with the same simplicity. This decision played a huge role in helping us accumulate wealth.

    Around 90% of our expenses are needs, and only 10% are wants. That’s the kind of balance we try to maintain.

    “Wealth consists not in having great possessions, but in having few wants.” — Epictetus

    Am I Rich or Poor? My Answer

    I feel rich — not because of a fancy car or house — but because:

    • I have no EMIs
    • I’m debt-free
    • I have peace of mind
    • I’m healthy as of now (Daily, I walk around 10,000 steps and do yoga)
    • And I sleep peacefully at night (I get a sound sleep at around 10 AM and get up at around 5.30 AM)

    Even if today, our family income drops to zero, we can live a king-size life comfortably in our native place with our current corpus. That’s true financial freedom.

    So, yes — I am RICH, in my own terms. I don’t need validation or certification from others to feel rich 🙂

    What’s the Real Problem Then?

    This blog is not about boasting. Nor am I saying you should follow my path. Your age, career, responsibilities — everything is different.

    But here’s the issue I’ve noticed:
    Most people crave society’s approval of their financial life.

    We often forget to look inward — to assess where we started and where we’ve reached. Instead, we copy others, chase trends, and fall prey to FOMO (Fear of Missing Out).

    I’ve never been jealous of my clients, many of whom have a higher net worth than me. I don’t compare myself to neighbours, friends, or relatives.

    At the end of the day, what matters to me is:

    • Can I sleep peacefully?
    • Am I healthy?
    • Am I able to provide basic comforts for my family?

    If the answer is yes, then I am rich, regardless of what society thinks.

    The Trap of Lifestyle Inflation and Overconfidence

    The biggest mistake of our generation is assuming that:

    • Our current income is forever
    • Our current health is permanent

    We spend recklessly assuming we’ll earn forever. Living paycheck-to-paycheck without any buffer or backup plan is nothing less than a crime — especially if you have dependents.

    Final Thoughts: Define “Rich” in Your Own Terms

    So, am I rich or poor? I define it for myself — and so should you.

    Avoid the noise. Forget what society wants you to project. Each rupee spent to impress others is a crime against your future financial freedom.

    “Spending money to show people how much money you have is the fastest way to have less money.” — Morgan Housel

    Define what is enough for you. Live a life based on values, not comparisons. Stay away from the FOMO mindset, and build a life that offers you peace — not pressure.

    Because true richness lies not in what you own, but in how little you need to be happy.

    For Unbiased Advice Subscribe To Our Fixed Fee Only Financial Planning Service



  • Friday Energy Dumbbell Circuit! | Powercakes

    Friday Energy Dumbbell Circuit! | Powercakes


    Friday Energy Dumbbell Circuit!

    July 28, 2023 –

    Happy Friday, friends! How are we doing? Summer is in full swing and I loooove getting in an outdoor workout whenever possible.

    Friday Energy Dumbbell Circuit! | Powercakes

    If you’re anything like me, sometimes Friday workouts are a little bit harder to get motivated for than a Monday workout. Just me?

    To get in some movement, switching it up into something a different may help motivate you to get that workout in!

    I’m a big believer in the basic lifting movements with progressive overloading principles always being my go-to’s, but sometimes it’s fun to switch it up with some combo moves.

    I threw on my new favorite loose shorts which I originally got for soccer but I love the high waist so you could totally wear these for any workout or run. It was 85 degrees so we’re rockin’ a sports bra and my shoes from last post that I’m still obsessed with! I’ve worn these now to run, train, and work and I love them at all times.

    • Set a timer for 30 seconds on and 30 seconds of rest.
    • You will complete 5 rounds total of all movements back to back.

    30 seconds on/30 seconds off

    1. FRONT SQUAT TO ARNOLD PRESS
    2. DUMBBELL SWING
    3. PLANK ROW INTO TRICEP PUSH UP
    4. STRAIGHT ARM SIT UP

    Let’s break down this workout!

    1. Hold the dumbbells in front of the body, elbows up and core locked in for your squat. From there, come to standing and complete an Arnold Press (rotate the dumbbells as you press overhead and bring them back to your starting point).
    2. Hold the top end of the dumbbell and initiate the hips back, keeping chest open, as you swing the dumbbell between the legs. Use the hips to power the dumbbell back in front of you and squeeze the glutes at the top.
    3. In a plank position, row the dumbbells one at a time back towards your hip, keeping your hips as still as possible and core locked in. Add in an optional tricep push up keeping elbows tucked to the body. You can also modify by coming to the front of the thighs for the push up.
    4. Start on your back with your arms and dumbbell extended straight up. Use your core to initiate the sit up but keeping your shoulders locked in and finishing with the biceps by your ear at the top of the movement. Keep your spine nice and stacked at the top of the movement. Control on the way down.

    Let me know if you give this a try!!

    Be true to you,

    xo Kasey