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  • Top Gifts For Men (Ideas For Father’s Day, Bday, and More)

    Top Gifts For Men (Ideas For Father’s Day, Bday, and More)


    What do you do for gifts when the man in your life is hard to shop for? I’ve been trying to answer that question for years. It always seems tougher to find good gift ideas for men than it does for women.

    Men usually aren’t as happy with some herbal tea and a new skein of yarn for a knitting project. And motorcycles and football tickets are bigger ticket items. The best Father’s Day gift ideas are something they’ll enjoy and actually use!

    This post includes some of the best Father’s Day gifts I’ve found over the years. It also includes unique Father’s Day gifts that other family members have enjoyed and items on their wishlists. You can also check out my Christmas gifts for men gift guide for even more ideas!

    If you need a great gift idea for Dad (or father figure in your life) that isn’t a tie or golf balls, then read on.

    Father’s Day Gift Guide

    Your dad, husband, uncle, etc., probably doesn’t need a paperweight or another gift card. And a lot of gift guides for men recommend things like an Apple Watch, Airpods, and gadgets like Bluetooth speakers. These give off a lot of EMF waves that I’m not comfortable with.

    If you’re looking for a gift he’ll use and love, here are some of my favorite ideas for men that I’ve given or that my dad mentioned he loves. You can even pair it with a heartfelt Father’s Day gift card.

    Solo Outdoor Fire Pit

    I got this amazing backyard fire pit as part of my backyard makeover (I also more recently built a backyard sauna!). I can’t say enough good things about it and it would make the perfect present for any dad! The Solo stove burns wood much more efficiently and directs heat exactly where you’d want it, without the smoke. It looks super sleek too.

    Blue-Light Blocking Glasses

    I’ve worn blue-blocking glasses for years. These glasses help reduce eye fatigue from computers and reduce blue light for better sleep. I put them on after the sun goes down each night to block the blue light from computer screens, television, and phones. These are some stylish blue-light-blocking glasses and I like that they’re metal instead of plastic.

    A Good Knife

    This folding knife is high-quality and something your husband or dad can use all the time. Many men carry knives that they use for anything and everything. It’s handy for opening boxes, cutting threads off a sweater when you’re out, etc. A folding knife (or any knife really) is a classic guy gift and a pretty safe bet he’ll love and appreciate it.

    Another really great option is this Gasper 4 Knife from Rewild.

    Good Wine + An Aerator

    If your man is a wine drinker, wine (and maybe a decanter) is always a great gift option. It’s consumable and typically lends itself to spending quality time together. Sometimes, even just sipping wine on the back porch with your sweetie can be a great date night.

    Just try to choose a high-quality organic wine. I always stick to natural wines whenever possible, which are organically grown and lab-tested to have no mold, mycotoxins, or additives. This wine aerator also improves the flavor of wine and removes sediment as you pour it.

    And if Dad isn’t a wine person, then maybe he’d like these whiskey glasses instead. They come in a gift set that includes whiskey glasses, a wooden storage and gift box, granite cubes to chill, and cocktail cards.

    Tumbler For Drinks

    If Dad needs to stay hydrated on the go, then a nice water bottle or tumbler can be a good gift. I like this RTIC Tumbler. It performs as well as the high-priced Yeti, and I use mine all the time. Great for coffee, smoothies, and water.

    This water bottle from Clearly Filtered is another great option. It has a built-in water filter so Dad can refill it from anywhere.

    The Last Wallet He’ll Ever Need

    Men are tough on wallets! My dad used to go through one every year or two. That was almost always what we knew we could get him for Christmas each year. If your husband or dad likes the best of things (that will last!) here’s a wallet from Amazon that will meet their expectations.

    A Notebook or Journal

    Every man needs a good notebook or journal. They’re perfect for jotting down thoughts and ideas, taking notes, setting goals, and keeping track of schedules. This dot matrix bullet journal is a popular option because it’s so nice and easy to use. It also serves as a journal, calendar, and notebook in one. And at under $15, it’s a great value too!

    Another popular notebook he’ll love is the Moleskine. They have many different sizes and styles available.

    Fitness Equipment Gifts For Men

    It’s hard to come up with gifts that are both useful and fun. So when I saw this kettlebell in the shape of a gorilla (or Bigfoot!) I knew it was a winner.

    Guys will also love Onnit’s digital bodyweight programs. What I’ve spent on fitness equipment doesn’t even come close to a gym membership. Plus, he’ll save time by working out at home.

    In between (and during) workout days I like to get some sauna sessions in for better fitness too. Try gifting Dad this portable and compact sauna blanket from HigherDOSE (they also make great PEMF mats!). Use code WELLNESSMAMA15 for 15% off.

    Some Good Ol’Fashioned BBQ

    It’s a well-known fact that most dads consider the grill their domain. A grill upgrade or a new set of grilling tools is a classic Father’s Day gift. It’s the gift that keeps on giving in the form of delicious barbecue all summer long. And you can learn some tips for keeping grilling as healthy as possible here.

    The Spice of Life

    Looking for something small for the kids to give? These healthy BBQ sauces come in different flavors and have a list of ingredients I can get behind. Another option is Laila Ali’s spice blends. My friend Laili Ali (yes, the daughter of Mohammed Ali!) handcrafted her own line of delicious spices and seasonings with quality ingredients. Pick up some here and get 15% off with code WellnessMama15

    You can even make your own gift box or gift set with a variety of seasonings, marinades, and unique yet healthy food items.

    More Foodie Gifts for Men

    If the man in your life likes unique, tasty foods, try some of these.

    • ButcherBox – Forget the fruit of the month club (although I’m not hating on fruit!). Dad can get grass-fed and organic meat with a subscription box from ButcherBox.
    • Coffee maker – Get him an espresso machine or a new French press for flavorful coffee. Try it with Purity Coffee for a smooth flavor without any of the toxins or pesticides found in regular coffee. And Four Sigmatic mushroom coffee is the perfect portable, convenient coffee mix that’s also healthy.
    • Hot Sauce – Gift Dad some tasty (and healthy) buffalo sauce or steak sauce from Primal Kitchen. Or try some of this organic habanero hot sauce.
    • Pizza Oven – This is a bigger item but it adds ambiance to your outdoor space. Ooni pizza ovens can be more affordable than the handbuilt brick versions and they cook the food on a stone surface for amazing flavor. They’re not just for pizzas, but they’re great for adding a smoky flavor to meat and veggie dishes too.

    A Great Flashlight

    Our family loves this Surefire flashlight and it goes with us when we travel. This flashlight is super bright and small enough to fit in a pocket. We’ve had this flashlight forever and use it for everything! It makes for a practical and functional gift for the dad in your life.

    Clothing

    Some dads really appreciate a pair of warm wool socks or a new cozy hoodie. Get Dad a new beanie hat, some comfy organic joggers, or a new sustainably made blazer jacket. This company sells organic cotton, linen, and hemp clothing with some really great options for Dad.

    Better Shaving Tools

    For men who have sensitive skin or really thick facial hair, natural shaving options are a great gift.

    Disposable and conventional razors (even good ones) have a reputation for irritating skin. And then there are the toxic and synthetic chemicals in regular shaving cream. An old-fashioned style shave set is a unique gift many men will love!

    Instead of a battery-powered trimmer, try gifting a classic double-sided safety razor with a badger hair brush, stand, and stainless steel bowl razor set. Dad will go from dreading shaving to actually enjoying it. You can make homemade shaving soap for him to go in the mug (recipe here). There are also some really good store-bought ones available if you don’t want to make it.

    Skincare Gifts For Men

    We often think of skincare when it comes to women, but men have skin too. If your man doesn’t shave, consider a high-quality beard oil like one of these. Or make your own DIY beard oil here.

    He also might enjoy some homemade men’s lotion or good-quality organic skincare products from Alitura.

    Air Filter for Office, Home Gym, or Basement

    I added a Jaspr air filter to my bedroom and I’ve really noticed a difference in the air quality. I can tell from the filter how much dust and air particles it’s collected. Plus, it adjusts the filter according to how dirty (or smelly!) your space is. An air filter has also been a game-changer for us during allergen and pollen seasons.

    Rumble Roller

    The rumble roller is one of my favorite gifts of all time. Basically, it’s a deep tissue massage at home. It’s a lot cheaper than regular massages in the long run! The big spikes make it great for athletes and people who get stressed out/tense easily (me). The rumble roller is also the perfect gift for someone who doesn’t like taking an hour out of their day to get a massage.

    It doesn’t take up much room and it’s wonderful for sore muscles! I use this regularly and it’s made a big difference in my muscle tension. Plus, it looks manly and tough, so men don’t mind using it. You can check out the different Rumble Roller options here.

    Myobuddy Massager

    If I had to pick one favorite gift on this list, this would be it. There are a lot of massagers out there, but the Myobuddy is like getting a professional massage at home. This has 3 speeds and uses heat and percussive technology to work trigger points and relieve sore muscles. It’s not only relaxing but is like getting a therapeutic massage at home.

    Camping Gear Gifts For Men

    These gifts are great because they combine a physical gift that leads to a camping experience as well. Camping is a great family activity with some major health benefits. One study found that a week of camping without artificial light drastically improved circadian rhythm and sleep. If your guy likes camping, here are a few great gear options:

    Protective EMF-Blocking Laptop Board

    If your guy works on a computer a lot, a protective laptop board is a great gift. This board makes it easier to work with a laptop on your lap. It also protects the legs and stomach from the heat and radiation. We use the Defender Pad and love it.

    DIY Fleece Quilt (The Easy Way!)

    If your husband or dad has a lot of old, sentimental t-shirts, here’s a fun way to get some more use from them. Instead of them sitting in a box in the closet for years, you can make a handmade keepsake quilt.

    It uses a simple fleece backing and only takes a few hours on the sewing machine. This would be a great gift for a child or other relative as well! Get the easy tutorial and instructions here (it really is simple to make!).

    A Drone!

    The dream of flying is something most men have had at one time or another. A drone is a great way to experience it by flying his own personal aircraft. There are a lot of options available now, but this is one of the better affordable drones on the market and would make any man a happy camper!

    And if you feel like splurging, you can see all of their drone options here with even more features.

    “I Love You Because” Calendar

    If you’re looking for a budget-friendly gift that’s also sentimental, try a scrapbook calendar. You can add your own photos from date nights, your wedding, family trips, etc., to each month. To make it extra special, you can handwrite a note for each day of the year with something you love about them. These can range from heartfelt and romantic to silly.

    They’ll actually use the calendar and look forward to reading the reason you love them each day. You can make your own at Shutterfly. To be really budget-friendly, you could even make or print the calendar on your computer and write the reasons in.

    I make photobooks from Mixbook for the kids every year and they’re a great way to document fun memories. Try making one for Dad or your significant other!

    Experience-Based Gifts for Men

    I firmly believe the best gifts are often things you can’t wrap. In our house, experiences always beat material gifts and we choose these whenever possible. They can also make a great last-minute gift since you don’t have to wait for shipping.

    I share all of our favorite experience-based gift ideas here if you’re looking for some ideas. If you want to give a physical gift, just make sure it’s practical, useful, and long-lasting. This way, it doesn’t end up in the back of the closet or a landfill.

    These are some experience-based gifts for Father’s Day or birthdays:

    Time Off

    One thing all parents need is some time off to recharge! Find some time in the schedule for him to camp, hunt, go hiking, or play sports. If you like, buy him some gear to go with the experience present so he has something to open.

    Massage Classes

    Can you tell how much I love a massage?! The Melt online massage course (all PG, I promise!), makes a great gift for couples. Pair it with some homemade massage oil. Get more details on the massage videos here.

    An Adventure/Experience

    Think fishing charter with his friends, a surfing or water skiing lesson if you live by the water, or if your guy is adventurous, sky diving! Scuba certifications can make a great couple’s gift too. You can go through the process together and end up with a great hobby to enjoy in the future.

    Search your area for adventurous offerings like pole vaulting, fishing, diving, sailing, rowing, kayaking, or even juggling! Mixing it up keeps things interesting and could lead to a new date night idea or family pastime.

    Something to Inspire a Hobby

    If your man likes beer, get him an organic (or at least non-GMO) beer. You can also get him a homebrewing beer kit as a fun hobby. This book is a great guide for getting started and you can find the ingredients and supplies in-store from a local homebrew place.

    You can get him a complete homebrew kit here with some organic hops to go with it.

    Sports Gifts For Men

    Sports-related experiences are a hit with many guys. One of my biggest gifts ever was gifting tickets to spring training for their favorite team. Tickets to go see their teams play are also a big hit. These all tend to be more expensive, but it can end up being an amazing and memorable experience!

    Tell Him You Appreciate Him!

    I suspect most husbands/dads would love to hear more that we appreciate them! A handwritten Father’s Day card and a big hug can go a long way when it comes to the perfect gift for Dad.

    What gifts for men have been a hit in your experience? Which of the ideas above do you think he’d like? Leave a comment and share below!

  • How End-of-Life Planning Can Ease Financial Concerns – Life Happens

    How End-of-Life Planning Can Ease Financial Concerns – Life Happens


    Too often, families are left unsure of the way forward when grieving the loss of a loved one, as plans for their final arrangements and corresponding finances are left unsettled before their passing. Taking a proactive approach to end-of-life planning can help ease these burdens and support a smoother transition for your loved ones.

    Tips for preparing your end-of-life finances

    Consider who you want as beneficiaries of your estate. Ensure you take time to consider which family members you want to have as decision-makers and beneficiaries of your estate. You may also need to update them across different financial accounts. For example, your spouse may have died since you originally listed your beneficiaries, which could affect the plan for your estate. Changes like these should be reported as encountered and can help your assets be released quickly after your passing.

    Get life insurance coverage. Life insurance is one financial resource that helps make it easier for your loved ones to carry on financially after you die. Your beneficiaries will initiate a claim once the death certificate has been issued, and they’ll receive the death benefit (cash) to use how they see fit. This could mean funding your funeral costs, paying off your medical bills and much more.

    Appoint an executor and power of attorney (POA). Even with the most meticulous pre-planning, there are often loose ends left untied. For this reason, it’s a good idea to have a trusted family member or friend appointed as the executor of your will and possibly a power of attorney who can step in and make decisions on your behalf should you be unable to.

    Finalize plans in a written will and last testament. Once you speak to your loved ones and confirm who will facilitate your end-of-life plans, meet with an estate lawyer to have your will and last testament notarized. This will include the outlined roles of your family, any beneficiaries and an advanced directive should you see fit.

    Consider meeting with funeral or burial experts to pre-plan your services. Pre-planning and budgeting for any services after your passing is an excellent way to relieve some of your family’s stress. Consider whether you want to be buried or cremated, where you would like to rest and any third parties you would like to have officiate. Further, write your preferences into your will to help give everyone peace of mind. While not legally binding, it helps guide your power of attorney on how to proceed during a challenging time.

    Enlist the help of experts

    Once your documents are finalized and you’ve made copies for the necessary parties, consulting with an attorney, financial professional and funeral consultant can help ensure everything is set in stone. An attorney will notarize your will, a financial professional can help you understand your life insurance options and your estate’s worth, and a funeral director can help ensure your end-of-life preparations are precisely what you envision. While this can feel like a somber task, it can help ensure your wishes are met and take stress off your loved ones in the future.

  • Split-Year Backdoor Roth IRA in FreeTaxUSA, Year 2

    Split-Year Backdoor Roth IRA in FreeTaxUSA, Year 2


    [Updated on January 30, 2025 with screenshots from FreeTaxUSA for the 2024 tax year.]

    The previous post Split-Year Backdoor Roth IRA in FreeTaxUSA, Year 1 dealt with contributing to a Traditional IRA for the previous year and recharacterizing a previous year’s Roth IRA contribution as a Traditional IRA contribution. This post handles the conversion part in FreeTaxUSA. If you use TurboTax or H&R Block tax software, see:

    We cover two example scenarios in this post. Here’s the first:

    You contributed $6,500 to a Traditional IRA for 2023 in 2024. The value increased to $6,700 when you converted it to Roth in 2024. You received a 1099-R form listing this $6,700 Roth conversion.

    You should’ve already reported the contribution part on your 2023 tax return by following Split-Year Backdoor Roth IRA in FreeTaxUSA, Year 1 last year. The IRA custodian sent you a 1099-R form for the conversion in 2024. This post shows you how to put it into FreeTaxUSA.

    Here’s the second example scenario:

    You contributed $6,500 to a Roth IRA for 2023 in 2023. You realized that your income was too high when you did your 2023 taxes in 2024. You recharacterized the Roth contribution for 2023 as a Traditional contribution before April 15, 2024. The IRA custodian moved $6,600 from your Roth IRA to your Traditional IRA because your original $6,500 contribution had some earnings. The value increased again to $6,700 when you converted it to Roth in 2024. You received two 1099-R forms, one for $6,600 and another for $6,700.

    You should’ve already reported the recharacterized contribution on your 2023 tax return by following Split-Year Backdoor Roth IRA in FreeTaxUSA, 1st Year last year. The IRA custodian sent you two 1099-R forms, one for the recharacterization, and the other for the conversion. This post shows you how to put both of them into FreeTaxUSA.

    If you contributed for 2024 in 2025 or if you recharacterized a 2024 contribution in 2025, you’re still in year 1 of this journey. Please follow Split-Year Backdoor Roth IRA in FreeTaxUSA, Year 1.

    If neither of these example scenarios fits you, please consult our guide for a normal “clean” backdoor Roth: How to Report Backdoor Roth In FreeTaxUSA (Updated).

    If you’re married and both you and your spouse did the same thing, you should follow the steps below for both yourself and your spouse.

    1099-R for Recharacterization

    This section only applies to the second example scenario. If you contributed directly to a Traditional IRA for 2023 in 2024 and didn’t recharacterize (the first example scenario), please skip this section and jump over to the conversion section.

    We handle the 1099-R form for recharacterization first. This 1099-R form has a code “R” in Box 7.

    Find “Retirement Income (1099-R)” under the Income menu.

    Click on the “Add a 1099-R” button.

    It’s just a regular 1099-R.

    Enter the 1099-R for the recharacterization exactly as you have it. Box 1 shows the amount transferred from the Roth IRA to the Traditional IRA when you recharacterized your 2023 contribution in 2024. Box 2a shows that the recharacterization isn’t taxable. Box 2b “taxable amount not determined” isn’t checked. The code in Box 7 is “R.” The “IRA / SEP / SIMPLE” box isn’t checked.

    Your 1099-R shows 2024 but FreeTaxUSA says you should’ve reported it on your 2023 tax return. The problem is you didn’t have it back then. You couldn’t have reported something you didn’t have. Select the correct year and continue anyway.

    The recharacterization wasn’t a rollover.

    FreeTaxUSA shows some alerts. The zero taxable income on the 1099-R is correct. Code “R” in Box 7 is also correct. Although you didn’t include this 1099-R last year because you didn’t have it at that time, you don’t need to amend last year’s tax return if you reported the recharacterization in a different way when you followed Split-Year Backdoor Roth IRA in FreeTaxUSA, Year 1 last year. You may need to amend last year’s return only if you didn’t report the recharacterization last year at all.

    You’re done with the 1099-R form for the recharacterization. Click on the “Add a 1099-R” button to add the other 1099-R for the conversion.

    1099-R for Conversion

    The 1099-R for the conversion has a code “2” in Box 7 if you’re under age 59-1/2 or a code “7” if you’re 59-1/2 or older.

    It’s also a regular 1099-R.

    Box 1 shows the amount converted to Roth. If you contributed to a Traditional IRA for 2024 in 2024 and converted in 2024 (a “clean” backdoor Roth) on top of converting the 2023 contribution in 2024, the amount on the 1099-R includes two years’ worth of contributions. It’s normal to have the same amount as the taxable amount in Box 2a when Box 2b is checked saying “taxable amount not determined.” Make sure to choose the correct code in Box 7 to match your 1099-R. The “IRA / SEP / SIMPLE” box is checked.

    Your refund number drops after you enter the 1099-R. Don’t panic. It’s normal and temporary. The refund number will come up when we finish everything.

    It’s not an inherited IRA.

    It’s a Roth conversion. 100% of the amount on the 1099-R was converted from a Traditional IRA to a Roth IRA.

    You are done with this 1099-R for the conversion. Repeat if you have another 1099-R. If you’re married and both of you converted to Roth, pay attention to whose 1099-R it is when you enter the second one. You’ll have problems if you assign both 1099-R forms to the same person when they belong to each spouse. Click on “Continue” when you have entered all the 1099-R forms.

    Answer “Yes” here because you had a Traditional IRA contribution from last year.

    Get the value for the first box from last year’s Form 8606 Line 14 (assuming that you did last year correctly). If you didn’t have a Form 8606 last year because you didn’t do it correctly, your basis is the amount of your 2023 Traditional IRA contribution minus any deduction you took on last year’s Schedule 1 Line 20. The total basis is $6,500 in our example.

    The second box should be zero when you emptied all your Traditional IRAs after converting them to Roth and you don’t have any SEP or SIMPLE IRAs. If you had a few dollars of earnings posted in the Traditional IRA after you converted and you left them in the account, get the value from your year-end statement and put it in the second box. The software will apply the pro-rata rule.

    The third box should also be zero when you made your 2024 contribution in 2024.

    We didn’t take any disaster distribution.

    Now continue with all other income items until you are done with income.

    Clean Backdoor Roth On Top

    If you did a “clean” backdoor Roth on top of converting the 2023 contribution in 2024 (contributed to a Traditional IRA for 2024 in 2024 and converted in 2024), the conversion part of the clean backdoor Roth is already included in the 1099-R form we just completed. Now we do the contribution part.

    Find the “IRA Contributions” section under the “Deductions / Credits” menu.

    Did you contribute

    Answer “Yes” to the first question. An excess contribution means contributing more than you’re allowed to contribute. We didn’t have that.

    IRA contribution amount

    Enter the amount you contributed to the Traditional IRA for 2024 in the first box. Leave the answer to “Did you switch or recharacterize” at No. We converted. We didn’t switch or recharacterize. We didn’t repay any distribution either.

    Your refund number goes up again after you enter the contribution.

    We didn’t contribute to a SEP, solo 401k, or SIMPLE plan. Answer Yes if you did.

    “Withdraw” means pulling money out of a Traditional IRA back to your checking account. Converting to Roth is not a withdrawal. Answer “No” here.

    FreeTaxUSA shows the same page we saw before in the conversion section. Confirm and continue.

    Decline IRA deduction

    You see this screen only if your income falls below the income limit that allows a deduction for your Traditional IRA contribution. You don’t see this if your income is above the income limit. Answering “Yes” will make your contribution deductible but it will also make your conversion taxable. Although it works out to be a wash in the end, it’s less confusing if you answer “No” here and make the entire amount that could be deducted nondeductible.

    It tells us we don’t get a deduction because our income is too high or because we chose to make our contribution nondeductible. This is as expected.

    Taxable Income

    You’re done with the 1099-R forms. Let’s look at how they show up on your tax return. Click on the three dots on the top right above the IRA Deduction Summary and then click on “Preview Return.”

    Look for Lines 4a and 4b in your Form 1040.

    Line 4a shows the amount on your 1099-R for the Roth conversion. Line 4b shows the taxable amount, which is the earnings between the time you contributed to your Traditional IRA and the time you converted it to Roth. The taxable amount on Line 4b would be zero if you didn’t have any earnings.

    Form 8606

    Go toward the end of the pop-up to find Form 8606. It shows these for our example:

    Line # Amount
    1 7,000 (only if you also did a “clean” backdoor Roth on top, otherwise blank.)
    2 6,500
    3 The sum of Line 1 and Line 2
    5 The same as Line 3
    8 The amount on your 1099-R with a code 2 or 7
    13 The same as Line 3
    14 blank (or a small amount if your Traditional IRA had a small balance at the end of 2024)
    16 The same as Line 8
    17 Line 3 minus Line 14
    18 The difference between Line 16 and Line 17
    Form 8606

    Troubleshooting

    If you followed the steps and you are not getting the expected results, here are a few things to check.

    The Entire Conversion Is Taxed

    If you don’t have a retirement plan at work, you have a higher income limit to take a deduction on your Traditional IRA contribution. If you have a retirement plan at work but your income is low enough, you are also eligible for a deduction on your Traditional IRA contribution. FreeTaxUSA gives you the option to take a deduction if it sees that your income qualifies.

    Part of your conversion could be taxed because you took a deduction on the Traditional IRA contribution last year or this year. You see whether you took a deduction by looking at Schedule 1 Line 20 on last year’s and this year’s tax returns.

    You can’t change what you did last year but you can still decline the deduction this year by answering “No” on the “Do you want to take your IRA deduction?” page. Declining the deduction lowers the taxable amount in your Roth conversion.

    Self vs Spouse

    If you are married, make sure you don’t have the 1099-R and the IRA contribution mixed up between yourself and your spouse. If you inadvertently assigned two 1099-Rs to one person instead of one for you and one for your spouse, the second 1099-R will not match up with a Traditional IRA contribution made by a spouse. If you entered a 1099-R for both yourself and your spouse but you only entered one Traditional IRA contribution, you will be taxed on one 1099-R.

    Say No To Management Fees

    If you are paying an advisor a percentage of your assets, you are paying 5-10x too much. Learn how to find an independent advisor, pay for advice, and only the advice.

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  • Best Snack For Weight Loss: Smart Choices For Success

    Best Snack For Weight Loss: Smart Choices For Success


    If you are on a weight loss journey, chances are you have second-guessed every bite. That innocent-looking 20g chip packet? It probably felt harmless. But in reality, these tiny indulgences often derail your progress more than full meals do. The need to munch between meals is real, especially when you are on a calorie deficit or exercising more. Hunger hits harder, energy dips more often, and cravings become louder.

    Now, with the snack aisle exploding with “low-fat,” “guilt-free,” and “high-protein” labels, choosing the best snack for weight loss can feel like navigating a maze. And that is where most mistakes happen. Because not all that is marketed as healthy actually supports your goals. From hidden sugars to deceptive serving sizes, poor snack choices can spike your calorie intake and throw off your fat-burning rhythm.

    In this article, we unpack the fundamental role of snacks in weight loss. From understanding calorie science to picking the best snacks for a low-calorie diet, we guide you through it logically, scientifically, and with real snack options that work. And yes, we will help you identify which snacks are genuinely aligned with fat loss, and which ones only pretend to be.

    The Science of Weight Loss: What Really Works

    Weight loss is not about starvation; it is about creating a sustainable calorie deficit. That means your energy expenditure must exceed your energy intake. Every calorie you consume needs to have a purpose. It should either fuel your workouts, sustain your body functions, or keep you full enough to avoid overeating.

    But here is the challenge: when you eat less, you often feel less satisfied. Hunger and low energy creep in, leading to binge-eating later or giving up altogether. That is where good snacks for fat loss come in. They bridge the gap between meals, maintain your blood sugar levels, and help prevent impulsive choices like sugary drinks or ultra-processed food.

    According to a 2020 meta-analysis, meal frequency and quality play a bigger role than just calorie count. Having 1–2 nutrient-dense snacks per day can help regulate appetite, reduce hunger-driven overeating at meals, and improve metabolic health.

    The Role of Snacking in Weight Loss

    Snacking often gets a bad reputation in weight loss discussions, but it is not the act of snacking itself that is the problem. The real problem lies with what, why, and how we snack that matters. Healthy snacking can play a key role in bridging nutritional gaps, regulating hunger, and even preventing overeating at main meals. When done strategically, it helps sustain energy levels, improve portion control, and contribute to better dietary choices throughout the day.

    Healthy snacking can:

    • Prevent extreme hunger between meals, which often leads to binge eating. By keeping blood sugar levels steady, it reduces the likelihood of overeating at the next meal.
    • Support better portion control at lunch or dinner because you’re not arriving at the meal starving.
    • Stabilize blood sugar to avoid energy crashes, which can trigger cravings for sugary foods.
    • Improve overall nutrient intake, especially fiber, protein, and healthy fats that are often missing from larger meals.

    Unhealthy snacking, on the other hand, can:

    • Snacks consumed out of habit, boredom, or stress rather than actual hunger can lead to higher overall calorie intake.
    • Disrupt hunger cues, making it harder to recognize when you’re genuinely full or hungry.
    • Increase preference for high-sugar, high-fat foods due to constant exposure to hyper-palatable snack options.
    • This results in gradual weight gain and poor diet quality over time.

    In one study, researchers found that people who snacked on high-protein, low-sugar foods between meals had better satiety and improved weight management compared to those who chose carb-heavy snacks like cookies or crackers.

    Best Snacks for Weight Loss: What to Choose

    Snacking becomes effective for weight loss when the foods chosen are purposeful and nutrient-dense. The best snack for weight loss is not just about being low-calorie; it should also help manage hunger, provide nourishment, and fit into your daily routine. To be considered a smart snack, it must offer satiety, essential nutrients, and convenience without adding empty calories.

    Let us look at 16 scientifically supported snack options and what makes them a wise choice:

    1. Roasted Mung Dal

    Rich in plant-based protein and fiber, roasted mung dal is a crunchy and satisfying option. It helps control appetite and keeps you full between meals. Low in fat and calories, it works well as a mid-morning or late-evening snack.

    2. Greek Yogurt with Chia Seeds

    Greek yogurt is high in protein, while chia seeds add fiber and omega-3s. Together, they slow digestion, promote satiety, and support gut health. It is ideal post-workout or during afternoon slumps.

    3. Baked Beetroot Chips

    These are antioxidant-rich and lower in calories than traditional fried chips. High in dietary fiber and vitamins, they improve digestion and help reduce oxidative stress.

    4. Hard-Boiled Eggs

    A complete source of protein, hard-boiled eggs provide all nine essential amino acids. They are filling, portable, and perfect for maintaining muscle mass during weight loss.

    5. Mixed Nuts (Unsalted)

    Although calorie-dense, nuts offer protein, fiber, and healthy fats that promote fullness. Almonds and walnuts are great options, but must be eaten in controlled portions (a handful per snack).

    6. Apple Slices with Peanut Butter

    This sweet-savory combo offers natural sugars, fiber, and healthy fats. It stabilizes blood sugar and keeps hunger at bay. It can be a great afternoon snack.

    7. Edamame

    Packed with protein, fiber, and iron, edamame is filling and supports metabolic function. Steam or boil and enjoy it warm with a sprinkle of sea salt.

    8. Cottage Cheese with Berries

    Cottage cheese is a slow-digesting protein that helps preserve muscle mass. The combination of cottage cheese and antioxidant-rich berries makes this snack excellent for recovery and reduces sugar cravings.

    9. Carrot and Cucumber Sticks with Hummus

    This snack is fiber-rich, hydrating, and low in calories. Hummus provides protein and healthy fats. That makes it an excellent crunchy snack that satisfies.

    10. Soya Chips

    Baked and loaded with protein and fiber, soya chips are ideal for those seeking a savory snack that supports satiety and muscle recovery. They are also a perfect snack to keep you full between meals.

    11. Protein Bars (Check Labels)

    Protein bars are convenient on-the-go snacks, but one should choose them carefully. Look for bars with under 200 calories, at least 10g of protein, and minimal added sugar.

    12. Air-Popped Popcorn

    High in fiber and volume, popcorn keeps you full without too many calories. Avoid butter-laden versions. Season lightly with herbs for flavor.

    13. Chickpea Salad

    A combination of protein, fiber, and complex carbs. Chickpea salads are filling and can be prepped in advance for snack boxes.

    14. Dates with Almonds

    It is a natural, nutrient-dense sweet fix. Dates provide quick energy and antioxidants, while almonds bring in protein and fats. It is excellent for pre-workout or mid-afternoon.

    15. Beetroot and Quinoa Patties (Homemade)

    These patties combine fiber, protein, and complex carbs. Ideal as a warm snack or even a small meal replacement, they help you stay full and energized.

    16. Homemade Energy Balls

    Energy balls are an excellent choice for a healthy snack as they’re easy to make, portable, and packed with nutrients. Oats, nuts, and dried fruits give you a natural energy boost. They are also rich in fibre and protein, which helps keep you full. If you use honey or dates, they have no refined sugar, and you can customize them with flavors you love.

    Each snack serves a purpose, either to increase fiber, protein, or healthy fats, all of which play a role in fat metabolism and satiety.

    What to Avoid: Snacks That Hinder Weight Loss

    Not all snacks labeled as “healthy” actually support weight loss. Many processed snacks contain hidden sugars, unhealthy fats, and artificial flavors that spike your blood sugar and derail your efforts. These snacks offer little satiety and increase calorie consumption without delivering nutrition.

    Here are common culprits:

    • Packaged Chips: These are high in saturated fats, salt, and preservatives. The crunch may be satisfying, but they offer minimal nutrients and are easy to overeat.
    • Sugar-Loaded Granola Bars: Marketed as nutritious, but most are full of corn syrup, chocolate chips, and sugary coatings. They spike blood sugar and leave you hungry soon after.
    • Flavored Yogurt: Often packed with added sugars and artificial flavorings. They defeat the purpose of protein-rich yogurt by turning it into a dessert.
    • Instant Noodles and Soups: These are convenient but loaded with sodium, refined carbs, and MSG. They may suppress hunger temporarily, but do not support weight loss.
    • Diet Sodas and Low-Calorie Drinks: Zero calories do not mean zero effect. Artificial sweeteners can increase sweet cravings and disrupt gut microbiota.

    Ingredients to Watch Out for in Snacks

    When scanning snack labels, it is crucial to look beyond buzzwords like “low-fat” or “all-natural.” Many snacks contain hidden ingredients that sabotage weight loss.

    • High-Fructose Corn Syrup: A common sweetener linked to increased fat accumulation, insulin resistance, and inflammation.
    • Hydrogenated Oils: Source of trans fats that raise LDL (bad cholesterol) and lower HDL (good cholesterol), increasing cardiovascular risk.
    • Monosodium Glutamate (MSG): Often added to enhance flavor. It may lead to overeating by triggering reward centers in the brain.
    • Artificial Sweeteners: Although calorie-free, they may disrupt gut health, trigger sugar cravings, and create an illusion of healthy indulgence.
    • Refined Flours: Found in cookies, crackers, and white bread snacks. It is low in fiber and digested quickly, leading to hunger and blood sugar crashes.

    Choose snacks that are whole, minimally processed, and made with real ingredients like lentils, seeds, fruits, and legumes.

    Key Considerations When Choosing the Best Snacks for Weight Loss

    Choosing a snack should not be impulsive; it should be intentional and thoughtful. Here are smart criteria to use:

    • Caloric Density: Snacks should range between 120 and 250 calories. Anything above that may start competing with your main meals in terms of energy contribution.
    • Protein and Fiber: Look for snacks with at least 5–10 grams of protein and 3–5 grams of fiber. These nutrients slow digestion and help you stay full longer.
    • Quality of Fat: Always prefer unsaturated fats (from nuts, seeds, olive oil) over saturated or trans fats. Healthy fats promote hormone balance and satiety.
    • Low Glycemic Index: Low-GI snacks help maintain stable blood sugar, reduce hunger pangs, and prevent fat storage spikes.
    • Minimal Ingredients: The fewer the ingredients, the better. Choose snacks made with whole foods like lentils, legumes, vegetables, and seeds.
    • Packaging and Portions: Opt for portion-controlled packs or prepare your snacks in advance. It helps prevent accidental overconsumption, especially with calorie-dense options like nuts or protein bars.

    If in doubt, contact a certified health coach or registered dietitian who can help you select snacks that complement your eating style.

    HealthifyMe’s Smart Snacking Options

    HealthifyMe’s Healthify Store features curated snacks that meet the criteria for the best snacks for a low-calorie diet:

    • Mung Dal Chips: Packed with plant protein, baked, not fried, it is rich in B vitamins to support metabolism. These chips are low GI and gluten-free, great for blood sugar stability.
    • Beetroot Chips: These are baked, not fried. They are high in antioxidants, low in calories, and rich in fiber. They support digestive health and keep you fuller between meals.
    • Soya Chips: Each 30g serving offers 9.3g protein and 2.8g fiber. Made with soya flour, black gram dal, and chaat masala, these chips are flavorful, low in sodium, and perfect for strong bones and metabolic energy.

    These snacks are not just better; they are built for those on their weight loss journey. You can explore more options via HealthifyMe Coach Ria or by checking the Healthify AI-powered snack suggestions tailored to your goals.

    HealthifyMe Note

    Snacking is not your enemy. In fact, done right, it is your ally. But marketing can blur the lines between helpful and harmful. As a HealthifyMe coach, I often tell clients: Do not judge a snack by its front label. Look at the ingredient list. Ask yourself: Is this working for me or against me? A balanced snack should satisfy your taste buds and support your body’s needs. When in doubt, consult a coach, not a commercial. Remember, successful weight loss is not about restriction. It is about informed nourishment.

    The Final Word

    Weight loss is not a one-size-fits-all formula. What works for one may not work for another, but one thing is universal: how you snack matters. The best snack for weight loss is one that nourishes your body, satisfies your hunger, and supports your goals without compromising taste or joy.

    Whether you struggle with late-night munching or need fuel between meetings, choosing good snacks for fat loss can make all the difference. Pick high-protein, fiber-rich, and low-GI options that keep you full and energized. Avoid ultra-processed traps that quietly sabotage your progress.

    At HealthifyMe, our snack range is crafted to match real goals with real ingredients. With our AI-powered Coach Ria and personalized plans, finding the best snacks for a low-calorie diet has never been easier. So the next time hunger strikes, reach for something smarter, and trust that even small choices can create significant changes.

    Frequently Asked Questions (FAQs)

    Q: Can I snack and still lose weight?

    A: Absolutely. Smart snacking helps bridge the gap between meals, prevents extreme hunger, and improves portion control during main meals. The key is choosing nutrient-dense, portion-controlled snacks that align with your calorie goals.

    Q: What is the best snack for weight loss?

    A: The best snack for weight loss is one that is high in protein and fiber, low in sugar, and supports satiety. Snacks like mung dal chips, Greek yogurt with chia, or roasted chickpeas are great examples. They keep you full while delivering key nutrients.

    Q: How many snacks should I have per day on a weight loss plan?

    A: Typically, 1–2 snacks per day is ideal, depending on your daily calorie budget and meal size. These should contribute to overall nutrition without exceeding your total energy intake.

    Q: What are good snacks for fat loss during evening cravings?

    A: Choose low-sugar, high-protein snacks like boiled eggs, soya chips, or hummus with veggie sticks. These prevent blood sugar dips and help control late-night eating.

    Q: Are packaged snacks okay for weight loss?

    A: Yes, but only if they are low in added sugars, baked not fried, and made with whole ingredients. Brands like Healthify Store offer snacks like mung dal chips or soya chips that are designed with weight management in mind.

    Q: Should snacks be avoided completely when trying to lose weight?

    A: No, skipping snacks can lead to excessive hunger and overeating later. The goal is to snack mindfully. Hence, choose quality over quantity, and eat only when truly hungry.

    Q: How do I choose the best snacks for a low-calorie diet?

    A: Look for snacks with fewer than 200 calories, moderate protein (5–10g), fiber (3 g+), and no added sugars or refined oils. Keep servings controlled and choose foods that support your energy and digestion.

    Q: Do healthy snacks actually help with fat-burning?

    A: Yes, when paired with a calorie-controlled diet and exercise. Healthy snacks help sustain your metabolism, reduce the risk of muscle loss, and support fat oxidation by regulating blood sugar and insulin levels.

    Research Sources

    1. Meal and snack frequency in relation to diet quality in Japanese adults: a cross-sectional study using different definitions of meals and snacks

    2. Optimal Diet Strategies for Weight Loss and Weight Loss Maintenance

    3. Associations between snacking and weight loss and nutrient intake among postmenopausal overweight-to-obese women in a dietary weight loss intervention

    4. Snack Food, Satiety, and Weight

    5. The Science of Snacking – The Nutrition Source

    6. Snacks for Adults

    7. Food choices for weight loss: What dietary strategies would people use?

    8. Which foods to avoid when trying to lose weight

  • Gen Z Turns To Siblings And Side Hustles To Afford Homes Amid Soaring Prices

    Gen Z Turns To Siblings And Side Hustles To Afford Homes Amid Soaring Prices



    Steep home prices and high mortgage rates are leading Gen Z to find innovative ways to become homeowners. One popular strategy seems to be co-purchasing homes with siblings.

    What Happened: According to Bank of America’s 2025 Homebuyer Insights Report, 22% of Gen Z homeowners reported purchasing their home with a sibling in 2025.

    According to a Fortune report, the figure is up from 12% in 2024 and 4% in 2023. At the same time, 30% of Gen Z buyers said they took on a second job to fund their down payment, compared to 28% the previous year and 24% the year before that.

    Co-purchasing homes outside of romantic partnerships is on the rise. Almost 15% of Americans have done so, according to a 2024 JW Surety Bonds survey. Gen Z’s main source of support is family. 21% of future Gen Z buyers plan to depend on family loans, compared to 15% of overall respondents.

    See Also: Gen Z Feels Judged For Their Money Decisions And Half Faults Schools For Budget Blowups, Finds Poll

    Why It Matters: Uncertainty in the housing market has led 60% of current homeowners and would-be buyers to be unsure if it is the right time to purchase. This is up from 57% in 2024 and 48% in 2023.

    Despite challenges, BofA’s head of consumer lending, Matt Vernon, said Gen Z is not waiting to take action: “They are finding creative ways to afford down payments and working hard to improve their financial futures.”

    The desire to own a home is still strong: “Even with the challenges they face, younger generations still understand the long-term value owning a home offers them,” Vernon added.

    U.S. Census Bureau data shows the homeownership rate for those under 35 fell to 36.3% in late 2024 but rose to 36.5% in early 2025. Redfin now reports home prices falling in 11 of the 50 largest metro areas, stating that the “balance of power in the U.S. housing market has shifted toward buyers.”

    Even though Zillow is projecting a 1.9% decline in values by year’s end, Gen Z is not waiting for perfect conditions.

    Read Next:

    Photo courtesy: Shutterstock

    Market News and Data brought to you by Benzinga APIs

    © 2025 Benzinga.com. Benzinga does not provide investment advice. All rights reserved.

  • How Lobbyists Are Blocking Local Efforts to End Water Fluoridation

    How Lobbyists Are Blocking Local Efforts to End Water Fluoridation


    As of 2022, the U.S. Centers for Disease Control and Prevention (CDC) reports that 72.3% of Americans on community water systems — roughly 62.8% of the total population — receive fluoridated water.1 This practice began in the 1940s, based on the belief that adding fluoride to municipal water supplies would reduce tooth decay.2

    However, a growing body of research shows that fluoride offers little, if any, benefit for dental health and comes with significant risks. Fluoridating public water effectively doses the entire population without consent, including vulnerable groups like pregnant women, infants, and people with medical conditions that make fluoride exposure more hazardous.

    Globally, most countries have rejected water fluoridation. Nations such as Germany, Sweden, and the Netherlands do not fluoridate their water, yet they report dental health outcomes that rival those in the United States.3 Despite this, the U.S. remains an outlier, continuing to fluoridate water despite growing concerns about this practice.

    A recent investigation from a small town in North Dakota reveals the deeper issue — powerful interests with a stake in fluoridation are driving its continued use, despite mounting scientific evidence of harm. The result is a public health tradeoff with serious consequences, especially for children’s brain development.4

    Washburn Uncovers the Fluoride Playbook

    In April 2025, the nonprofit investigative group Children’s Health Defense published a detailed report exposing how Washburn, a small North Dakota town of just 1,300 residents, became the target of a federally backed effort to override local authorities in their effort to end water fluoridation.5

    • Washburn’s commissioners voted to end fluoridation — Washburn’s commissioners voted 4-1 to stop adding fluoride to the town’s water supply. Their decision came after months of research, public discussion, and expert testimony revealing that fluoridation offers little to no dental benefit while exposing children to documented neurological harm.

    • A growing number of communities are moving away from fluoridation — The town became the latest of rural and suburban communities rejecting water fluoridation in light of emerging research regarding its negative health effects. The evidence driving this movement links fluoride exposure to lowered IQ and impaired brain development, even at levels currently promoted by U.S. health agencies.

    • Commissioners encountered orchestrated resistance — When the issue was first raised in January, town leaders anticipated a good-faith conversation. Instead, they were immediately met with a wave of pressure that did not originate from within the community.

    Letters poured in from out-of-state dental associations, many using identical language and arguments. A closer inspection revealed they were copied from templates circulated by fluoride advocacy groups.

    • Public records exposed misuse of federal funds — In response to the unusual intensity of the lobbying, Commissioner Keith Hapip filed a public records request to investigate potential coordination behind the scenes. The documents he obtained confirmed that Jim Kershaw, a fluoride advocate and water superintendent from Bismarck, had worked with North Dakota’s Oral Health Program (OHP) to oppose Washburn’s reconsideration of fluoridation.

    Kershaw’s travel expenses to the meeting, despite his public claims of attending on his own, were reimbursed by North Dakota OHP. The OHP is funded by a $380,800 CDC grant and a $400,000 HRSA grant, both of which explicitly prohibit lobbying or influencing legislation.

    • Officials were instructed to suppress opposition, not educate — Emails uncovered in Hapip’s records request painted a picture of strategic interference rather than neutral public health support. North Dakota’s OHP Director Cheri Kiefer encouraged Kershaw to “flatten them like a pancake,” referring to Washburn’s elected officials.

    The communications included pre-approved form letters for dentists to submit and talking points crafted to maintain the appearance of independent advocacy. These tactics were designed to drown out local debate and create a false impression of unanimous expert support for fluoridation.

    • Critics of fluoridation were deliberately silenced and discredited — After identifying the uniformity of the opposition letters, Hapip contacted several of the dentists to ask their opinion on recent studies linking fluoride to neurodevelopmental harm. None responded.

    The emails revealed that these inquiries were forwarded to Kershaw, who instructed the dentists not to engage. Following this, Kershaw shifted to using a personal email account rather than his government-issued address, suggesting an attempt to shield communications from further public scrutiny and evade accountability.

    • ‘Astroturfing’ was used to manufacture fake public support — “Astroturfing is when a group with money and power pretends to be regular folks supporting something, but it’s really a planned push from the top,” Hapip explained. “Real grassroots come from the community naturally. And here, the oral health program used CDC cash to manufacture support for fluoridation in Washburn.”

    • Unprofessional and hostile behavior confirmed private disdain for public dissent — In one email, Dr. Johnny Johnson, president of the American Fluoridation Society, used vulgar language to insult Hapip before offering to respond directly to his inquiries.

    Kershaw replied, “Don’t reply to him now, I have a plan.” This behavior revealed not only a strategic intention to suppress Washburn’s efforts, but also a broader culture of disdain toward any officials questioning the fluoridation narrative.

    • Other towns are facing the same blueprint of manipulation and reversal — According to the report, nearly identical tactics were used in Grand Forks, where officials also received the same copy-paste letters from dentists ahead of a local fluoridation vote. In McVille, a nearby town that had previously voted to end fluoridation, the decision was reversed after Johnson and his allies flew in to pressure the council.

    Hapip has since filed a formal complaint with the North Dakota Department of Health and Human Services, arguing that the misuse of federal funds and the targeted silencing of local voices represent a fundamental threat to democratic health policy.

    A Public Health Tradeoff We Can’t Afford

    Even if fluoride reduces cavities, the price we pay is far too steep. Dental caries is a visible, treatable condition, but neurodevelopmental harm is invisible and permanent. Sacrificing cognition to preserve enamel is not a public health advancement but a societal regression.

    • Fluoride exposure causes measurable IQ loss in children — A 2023 meta-analysis of 12,263 children across seven countries showed an average IQ drop of 5.6 points among those with higher fluoride exposure.

    The drop in IQ got worse with higher fluoride levels, even at amounts once thought to be “safe.” Children with urinary fluoride levels of just 0.28 milligrams per liter (mg/L), equivalent to common fluoridated water consumption, had detectable cognitive deficits.6

    • Neurodevelopmental harm is permanent and population-wide — The National Toxicology Program’s 2024 report concluded with “moderate confidence” that fluoride exposure, even at levels near the current U.S. target of 0.7 mg/L, impairs cognitive performance in children. The damage occurs during vital stages of brain development, especially in utero and early childhood. These effects are consistent across studies, populations, and methodologies.7

    • Fluoride disrupts early brain development through hormone interference — Studies show that when babies are exposed to fluoride in the womb, they’re more likely to have impaired executive function and higher rates of ADHD symptoms. These effects are likely caused by thyroid hormone disruption. Florida’s top health official, Surgeon General Joseph A. Ladapo, cited these findings in calling for an end to water fluoridation.8

    • Fluoride also affects vital organs and blood function in fetuses — A 2024 study published in Environmental Health9 revealed that increasing maternal fluoride concentrations were linked to negative effects on kidney and liver function, which play important roles in systemic detoxification and are known to accumulate more fluoride than other organs in the body.

    The study also showed that fluoride exposure lowered key proteins involved in the complement cascade, a part of the immune system that helps control inflammation and affects how a baby’s body develops. Researchers also found changes in proteins linked to blood clotting, suggesting that fluoride may interfere with normal blood function during fetal development.

    For a deeper review of the science linking fluoride exposure to cognitive harm, see the article “Fluoride’s Hidden Danger — Lower IQ in Children Exposed.”

    Other Health Risks Linked to Long-Term Fluoride Exposure

    While officials continue to champion fluoridation as a win for dental health, modern toxicological research tells a different story. Over the past decade, peer-reviewed studies have drawn direct connections between fluoride exposure and various health conditions.

    • Fluoride accumulates in bone tissue, leading to skeletal fluorosis — Chronic fluoride causes it to build up in the bones, which leads to stiff joints, hardened ligaments, and trouble moving around. In areas with moderate to high fluoride exposure, this buildup leads to a serious, irreversible condition called skeletal fluorosis. The early stages often mimic arthritis and remain undiagnosed until permanent damage is done.10,11

    • It alters calcium metabolism and increases fracture risk — Fluoride impairs the balance between bone-forming and bone-resorbing cells, weakening bone structure over time. In populations with long-term fluoride exposure, studies have found increased rates of hip and wrist fractures.12,13,14

    • It disrupts endocrine function beyond the thyroid — Fluoride exposure has been linked to impaired glucose metabolism and altered insulin sensitivity, raising concerns about its role in metabolic diseases.15 Some studies suggest fluoride interferes with the pineal gland, reducing melatonin production and affecting sleep-wake cycles.16

    • It contributes to muscle atrophy with prolonged exposure — A 2022 study found that long-term fluoride exposure breaks down key proteins in muscles, which leads to muscle shrinking and weakness. The degradation was driven by the upregulation of a pathway linked to muscle wasting.17

    If fluoride were a prescription drug, it would require labeling, dosage control, and patient approval. But as a water additive, it bypasses all safety protocols. For more on how fluoride entered the water supply without proper regulatory oversight, see “Fluoride: Poison on Tap.”

    What Does This Mean for You and Your Community?

    If you live in a town where fluoride is added to the water, you need to understand that the decision was likely made decades ago without your input. These policies often stay in place simply because no one has reexamined them, not because current science supports them. In many cases, community members are unaware that they are consuming a substance with documented long-term risks.

    • You have a right to know what is in your water and how it affects your health — You also have a right to question policies that were never based on your consent. This is not just a health issue — it’s about bodily autonomy and the freedom to make informed decisions.

    • Ask your local water utility whether your town fluoridates its water — Request documentation on the exact levels and how they are monitored. If your town does add fluoride, ask your local officials to revisit the decision and hold public hearings that include updated research and diverse expert perspectives.

    • Review the current science for yourself — Check peer-reviewed studies and credible sources that are not tied to fluoride lobbying groups and acknowledge both risks and benefits. Don’t just accept promotional material from agencies with a vested interest in preserving the status quo.

    • If officials are hiding information, demand transparency — You can request internal communications and policy documents. Many of the most revealing details in Washburn came from Freedom of Information Act requests that exposed what officials were trying to hide. These tools are available to you as well.

    • Your community has more power than you think — Most importantly, remember that small towns have power when residents stand together. Washburn’s commissioners stood firm despite coordinated opposition from well-funded institutions. They relied on public records, credible science, and a clear understanding of their responsibility to protect residents. That approach is available to any community willing to confront the evidence directly.

    5 Practical Ways to Lower Your Fluoride Exposure

    With growing evidence linking fluoride to serious health risks, especially for children, it’s more important than ever to take action. Protect your family’s health by following these key steps to reduce fluoride exposure in your daily life:

    1. Install a comprehensive water filtration system — Install a high-quality filtration system designed to remove fluoride from your drinking and cooking water.

    Basic carbon filters like Brita and PUR, as well as standard water softeners, won’t remove fluoride, so make sure your system is designed specifically for it. While reverse osmosis has been the standard for removing fluoride for years, it has significant drawbacks, such as wasting water and removing healthy minerals from the water.

    Similarly, bone char technology requires the water to be acidic to work properly. Also remember to filter your shower and bath water. Fluoride is absorbed through the skin, so adding filters to showerheads and other water sources throughout your home gives you better protection.

    2. Use fluoride-free water for infant formula — If you’re feeding your baby formula, never use fluoridated tap water to mix it. Infants consuming formula prepared with fluoridated water ingest significantly more fluoride than breastfed babies, posing risks to their developing brains. If breastfeeding isn’t an option, opt for filtered, fluoride-free water to protect your baby’s neurological development.

    3. Switch to fluoride-free toothpaste and oral care products — Fluoride-containing toothpaste and dental products are among the most common sources of daily fluoride exposure. Avoiding them is one of the simplest ways to lower your intake.

    Take time to research fluoride-free alternatives and read ingredient labels carefully. Many conventional brands also contain other harmful chemicals like triclosan, sodium lauryl sulfate, propylene glycol, diethanolamine, parabens, and plastic microbeads.

    For a safer and more affordable option, consider making your own toothpaste at home. A basic recipe includes a few tablespoons of organic coconut oil and baking soda, a pinch of Himalayan salt, and a drop of peppermint essential oil for a clean, familiar flavor.

    4. Watch out for hidden fluoride in food and drinks — Fluoride shows up in many processed foods and beverages that were made using fluoridated water. Tea leaves naturally absorb fluoride, too. If you’re a tea drinker, switch to white tea, which tends to have lower levels than black or green teas.

    5. Get involved in your community — Engage in local water policy discussions and advocate for the removal of fluoride from community water supplies. Share credible research on fluoride’s neurotoxic effects with neighbors and local officials to raise awareness. More than 200 million Americans are still drinking fluoridated water without informed consent. Your voice can help change that.

    Frequently Asked Questions (FAQs) About Water Fluoridation

    Q: Why is fluoride added to drinking water?

    A: Fluoride was added to public water systems beginning in the 1940s based on early studies suggesting it helped reduce tooth decay. It was promoted as a cost-effective way to improve dental health on a large scale. However, newer research shows its benefits are mostly from topical exposure, not ingestion, and that ingesting fluoride carries serious risks.

    Q: How does fluoride affect children’s brain development?

    A: Multiple high-quality studies have shown that fluoride exposure, especially during pregnancy and early childhood, is linked to lower IQ and impaired cognitive development. For instance, a 2023 meta-analysis found an average IQ drop of 5.6 points among children exposed to higher fluoride levels.

    Q: Do other countries fluoridate their water like the U.S. does?

    A: No. Most developed countries do not fluoridate their public water supplies, citing concerns about safety, ethics, and lack of clear systemic benefit. These countries achieve equal or better dental health outcomes through topical fluoride use, access to care, and nutrition without mass medicating the population.

    Q: Can I filter fluoride out of my tap water at home?

    A: Yes. However, most standard home carbon filters do not remove fluoride. To reduce fluoride, you need a filter specifically designed to filter it out, so do your homework.

    Q: What can I do if I want fluoride removed from my community’s water supply?

    A: Start by requesting your local water report and confirming whether fluoride is being added. Then contact local officials to request a policy review. Organize educational forums, submit public records requests, and share peer-reviewed research with decision-makers. As Washburn proved, community action can overcome even coordinated resistance and change outdated policies.

  • F1 news: 6 storylines for the Canadian Grand Prix

    F1 news: 6 storylines for the Canadian Grand Prix


    After a much-needed break for the grid, Formula 1 is back this week with the Canadian Grand Prix.

    And there is much to discuss.

    From some fascinating fights shaping up throughout the standings, to one driver who is on the cusp of a suspension, and another who may be forced to miss his home race due to injury, there are no shortage of storylines.

    Let’s dive into the major talking points for the Canadian Grand Prix.

    Checking in on the F1 title races

    With the latest triple-header in the rear-view mirror, it is time to check in on both title races.

    The Spanish Grand Prix offered the latest twist to a fascinating F1 Drivers’ Championship fight. Lando Norris’ win in the Monaco Grand Prix pulled him to within just three points of teammate Oscar Piastri atop the standings, but Piastri’s command performance in Barcelona pushed that gap back to ten points, as he finished up front ahead of Norris as McLaren locked out the front row.

    Perhaps more intriguing is what happened behind them. As the grid arrived in Barcelona Max Verstappen was just off the pace, only 25 points behind Piastri and 23 points behind Norris. But as we will discuss in a moment, Verstappen’s tenth-place finish in Barcelona — coupled with the one-two performance from the McLaren duo — dropped him further away from the front. As the grid heads to Montreal Verstappen sits 39 points behind Norris and 49 points behind Piastri.

    And with George Russell only 26 points behind Verstappen, the gap is closing up behind him too.

    As for the Constructors’ Championship race, McLaren remains the class of the field, as the Woking-based team has 362 points on the season, putting them 197 points clear of the team in second.

    That team?

    Ferrari.

    After all the consternation in recent weeks about the Scuderia a third-place finish from Charles Leclerc and a sixth-place result from Lewis Hamilton pushed Ferrari into P2, six points clear of Mercedes and 22 points clear of Red Bull.

    There is a long way to go until trophies are handed out, but the fights at the front are fascinating indeed.

    Whither Lance Stroll?

    In the hours leading up to the Spanish Grand Prix, word broke that Aston Martin driver Lance Stroll would be withdrawing from the race, citing pain in his hands and wrist. Stroll underwent surgery ahead of the 2023 Bahrain Grand Prix after a cycling accident during pre-season training, and made a stunning return to the grid for the first race of the season, where he finished sixth.

    However, his status for this week, his home race, is in doubt.

    Mike Krack, the team’s Chief Trackside Officer, relayed that “Plan A” is for Stroll to be in the AMR25 this week. But Krack conceded that much is up in the air before the teams head to Montreal.

    “At the moment, it’s really difficult to tell you how it’s going to go, and what is going to happen in the next days, but we will find out,” Krack said to the official F1 website.

    And if Stroll cannot race this weekend, there are further complications. Reserve drivers Felipe Drugovich and Stoffel Vandoorne are on standby, but both are slated to drive in the 24 Hours of Le Mans, which conflicts with the Canadian Grand Prix. Jak Crawford, who drives in F2 and is part of Aston Martin’s driver development program, currently lacks the requisite points on his FIA Super License.

    “It is quite simple, the ‘Plan A’ is to have Lance in the car – that is the ‘Plan A’, and that is what we are working to,” said Krack. “If the ‘Plan A’ does not work, then we need to pull ‘Plan B’.

    “Obviously we always knew that Le Mans was going to happen, so we also had plans in place that if we need a driver that is doing Le Mans, we will bring him, but at the moment this is not the only question,” added Krack.

    “We wait what the next days are bringing, and then we take a decision.”

    Max Verstappen on the cusp of an unexpected vacation

    F1’s latest triple-header ended with a penalty, putting the defending Drivers’ Champion on the precipice of a one-race penalty ban.

    Max Verstappen’s incident with George Russell in the closing stages of the Spanish Grand Prix resulted in not just a ten-second penalty from the race stewards for the Red Bull driver (which dropped him to P10) but a three-point penalty on his FIA Super License. That increased Verstappen’s current penalty tally to 11 points, putting him one point shy of a one-race suspension.

    Complicating matters is the fact that the next points to expire on Verstappen’s Super License, the two he received for an incident with Lando Norris at last year’s Austrian Grand Prix, do not expire until the end of the month.

    That means Verstappen has to navigate both the Canadian Grand Prix this week, and the Austrian Grand Prix later this month, without incident.

    All eyes on Red Bull’s second seat … again

    Verstappen standing on the precipice of a one-race suspension is not the only major storyline at Red Bull.

    It is time to talk about the second seat … again.

    Yuki Tsunoda, tapped by the team as a replacement for Liam Lawson after just two races this year, has not delivered the kind of results Red Bull is hoping for out of their second seat. Tsunoda has banked just seven points since his promotion to the senior team, a mark that has seen drivers such as Alexander Albon, Carlos Sainz Jr., Nico Hülkenberg, Esteban Ocon and yes, Isack Hadjar, outscore him over that stretch.

    Now there are rumblings that Hadjar could be the next driver to earn a promotion to Red Bull. “There is one driver who Racing Bulls think has a very similar style to Max Verstappen. I don’t think he’s ready yet. But is Isaac Hadjar the answer to their problems?” asked Sky Sports F1’s David Croft in recent days.

    “If Hadjar is the closest thing to Max Verstappen, then he has the easier task of adapting to that car, which has been designed and developed more to Max’s liking.

    “Red Bull say because Sergio Perez was a bit reluctant in coming forward to give feedback last year, so therefore, the feedback was all Max’s, therefore, the car kind of went in a Max direction.”

    The issue of the second seat at Red Bull has lingered since Daniel Ricciardo departed from the team after the 2018 season, and now even Verstappen is wondering why this remains a problem for the team.

    “Yuki isn’t a pancake. This [with the 2nd Red Bull driver] has been going on for a long time,” said Verstappen at the Spanish Grand Prix.

    “Maybe that’s a sign. Of what? That you can decide yourself.”

    Then there are the rumors that the team is looking for approval for 17-year-old Arvid Lindblad to receive an FIA Super License. Lindblad, who sits third in the F2 Drivers’ Championship standings and is coming off a win in the F2 Feature Race at the Spanish Grand Prix, is considered one of the sport’s brightest young talents. But as he is yet to turn 18, he would need approval from the FIA to drive in F1.

    He turns 18 in August.

    Might this be a backstop should Verstappen receive a penalty as outlined above? Consideration for another mid-season move?

    Or just more fodder for people like me?

    Is the front-wing saga settled?

    Entering the Spanish Grand Prix, front wings were the talk of the paddock.

    With the sport’s governing body instituting stricter testing on front wings, to cut down on the “flexi-wing” saga that dominated the conversation the past several months, there was rampant speculation that the new requirements would shake up the pecking order, and perhaps knock McLaren down a bit.

    The corresponding front-row lockout from Piastri and Norris ended that speculation, at least for now.

    Is the “flexi-wing” saga truly over, or does Montreal spring a surprise?

    Has a new contender emerged in the midfield fight?

    Williams expected a difficult week in Barcelona, and those premonitions were proven correct as the team endured their first point-less race week since the Bahrain Grand Prix. Still, they sit comfortably in fifth place in the Constructors’ Championship race with 54 points, 26 points clear of Visa Cash App Racing Bulls. Haas sits seventh in the table with 26 points, just two behind the tally of VCARB.

    But did a new contender emerge in Barcelona?

    Nico Hülkenberg’s stunning fifth-place finish in the Spanish Grand Prix, which included an overtake of Lewis Hamilton on the penultimate lap, delivered ten massive points for Sauber, propelling them up to eighth in the standings. Despite entering the Spanish Grand Prix sitting tenth in the Constructors’ Championship, that result brought their season tally to 16, tying them with Aston Martin but giving Sauber the tiebreaker edge.

    Can Sauber keep that momentum going in Montreal?

  • Why More Drivers are Leaving the Dealership with a Lease and Not a Loan

    Why More Drivers are Leaving the Dealership with a Lease and Not a Loan


    Why More Drivers are Leaving the Dealership with a Lease and Not a Loan

     

    For many Americans, access to a personal vehicle is a necessity, but like most other consumer goods, the price of owning one has risen. Last year, car buyers sought to lease vehicles instead of obtaining traditional car loans, with the former option accounting for about 25% of new vehicle purchases, according to Experian’s State of the Automotive Finance Market Q3 2024 report.

    This continues a rising trend from 2023, when leases comprised approximately 20% of new vehicle purchases versus about 17% in 2022. This purchasing shift follows a drastic increase in vehicle loan interest rates, nearly doubling throughout 2022 after sitting at historic lows.

    The debate about leasing or purchasing a car depends heavily on a consumer’s situation and plans for the vehicle. Leasing can provide an attractive option to consumers with lower down and monthly payments while offering a commitment to shorter terms than a traditional automotive loan. Leasing can also grant consumers more immediate access to higher-end vehicles they would not usually be able to buy with the terms of a traditional loan, allowing them more flexibility in obtaining payments compatible with their finances. Since leased vehicles are only in a consumer’s possession for a certain length of time, they can also save on maintenance costs over the vehicle’s lifespan.

    On the other hand, purchasing a car allows consumers to fully own a vehicle without the need to watch out for any mileage restrictions. Buyers also won’t need to fret over potential additional costs for wear and tear beyond the typical scratch. Owners can also sell their vehicles or trade them for credit toward their next car purchase.

    Buyers are only beginning to see a shift in car prices and interest rates, finally cooling off after going into post-COVID-19 pandemic overdrive. With vehicle prices and financing rates remaining relatively high, more people will likely consider leasing instead of buying.

    The General used data from the consumer analytics firm Experian to illustrate how leasing has grown in popularity over the past two years and how much money leasing can save consumers each month.

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    The General

    Consumers Increasingly Favor Leasing Amid Elevated Interest Rates

    Vehicle finance rates and the prevalence of leasing reached a historic low in 2022 after the economic disruption from the pandemic. As the Federal Reserve enacted several rate cuts between 2022 and 2024, vehicle financing rates rose, and the number of consumers seeking leases rebounded.

    Finance rates for new and used vehicles increased, and the prevalence of leasing rose from prime to subprime borrowers, indicating an increased popularity of leasing among the buying public. Prime borrowers have good credit and are considered the least likely to default on loans; in contrast, subprime borrowers have a higher risk of nonpayment due to limited or damaged credit histories.

    Monthly payments on leases also fell throughout 2024, making them more appealing to consumers attempting to offset higher monthly financing rates with lower monthly payments. Consumers are also looking to avoid being locked into longer-term loans by holding off on their next car purchases or opting for shorter-term financing with tolerable interest rates, which allow them more flexibility on buying their next vehicle and credit.

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    The General

    Monthly Savings Add Up on Lease Payments Compared to Loans

    Among the most commonly leased vehicles of 2024, consumers saved an average of approximately $148 per month. The actual dollar amount varied across cars, with the Tesla Model Y having an average savings of $75 and the Ford F-150 having an average monthly savings of $356. Differences can vary widely for vehicles that are not commonly leased.

    The Honda CR-V was the most popularly leased vehicle of the year, with the Tesla Model Y, Jeep Grand Cherokee, Honda HR-V, and Chevrolet Equinox also ranking in the top 10, exhibiting a large shift for consumers toward SUV models, which accounted for over 61% of all newly financed vehicles in the third quarter of 2024.

    The Chevrolet Silverado 1500 and Ford F-150 were also among the most popular vehicles to lease, which shows that consumers in need of pickup trucks can obtain access to the vehicles despite their high overall cost and financing rates. Electric vehicles were also popular to lease, with the Tesla Model Y and Model 3 among the top 10 most popular.

    The General

    EV Leases Can Save Consumers Even More

    EV buyers saw even bigger savings on leases than purchases, with the average savings on an EV lease being $198. This was a $50 savings over the average monthly lease for gas vehicles. Since EVs usually have a higher average price overall, they tend to have higher monthly payments than leases.

    Among the most commonly leased EVs, such as the Kia EV9, Cadillac Lyriq, Hyundai Ioniq 5, and Nissan Ariya, an average monthly lease payment was over $300 less than an average monthly payment on a loan. The Chevrolet Blazer EV saw one of the biggest differences, with an average monthly lease of only $429. In contrast, an average monthly loan payment was nearly double that, at $822, for an average monthly savings of $393. Meanwhile, the Tesla Model Y saw a much smaller difference, with an average savings of $75 per month.

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    The General

    Leasing is Especially Attractive for EVs

    EVs accounted for 17.3% of all new leases in 2024 and grew 30% compared to 2023. Nearly 45% of new EV transactions were leasing, a continued rise from just about 25% in 2023 and 10% in the third quarter of 2022.

    According to TransUnion, numerous factors contributed to the increased popularity of EV leasing. The days of supply shortages of lithium batteries have passed, and inventory levels have stabilized at dealerships. More lower-priced models and new dealer leasing incentives contributed to this increase.

    Additional incentives, such as tax credits from the Inflation Reduction Act of 2022 granted toward the lease of EVs in January 2023, also helped boost interest. Potential buyers can receive up to $7,500 in tax credits, which can be applied to the purchase of the vehicle for an even larger savings on the vehicle’s overall price. According to Reuters, these credits may disappear in the Trump administration as part of a broader tax reform program, which may put the EV’s popularity in contention.

    Story editing by Carren Jao. Copy editing by Paris Close. Written by Daniel Dennerline. Data Work By Evan Wyloge.

  • Digital Estate Planning to Secure Online Assets

    Digital Estate Planning to Secure Online Assets


    Traditionally, estate planning meant preparing a will and deciding how your physical and financial assets would be distributed among your heirs. But today, when most of our lives are stored online—from photographs and cryptocurrency to email accounts and blogs—digital estate planning is no longer optional; it’s essential. 

    Whether you’re a business owner, content creator, or a regular internet user, your digital footprint likely includes a range of valuable assets. These assets require the same attention and legal clarity as your home, SIPs, or retirement plans. 

    Even a mutual fund investment planner will tell you that securing your digital wealth is just as important as managing your physical portfolio. That’s why creating a comprehensive digital estate planning checklist is crucial in ensuring your digital legacy is protected and easily accessible to your beneficiaries.

    What Is Digital Estate Planning?

    Digital estate planning is the process of organizing and securing your digital assets to ensure they are accessible to the right people and protected from misuse after your death or incapacitation. It involves identifying all your digital properties, assigning beneficiaries, storing credentials safely, and legally authorizing access through estate planning documents.

    It involves:

    • Identifying all your digital properties
    • Assigning beneficiaries
    • Storing credentials securely
    • Legally authorizing access through estate planning documents

    What Qualifies as Digital Assets?

    Unlike tangible assets, digital properties come with their own complexities. Many digital platforms have strict privacy policies and terms of service that restrict access after a user’s death. Without proper authorization or passwords, even your closest family members may not be able to retrieve valuable or sentimental items.

    There are four major barriers to accessing digital assets:

    1. Password Protection – Many accounts are protected by two-factor authentication or encryption.
    2. Data Encryption – Even if files are found, decrypting them without a key is often impossible.
    3. Privacy Laws – Federal laws such as the Stored Communications Act limit access to digital communications.
    4. Terms of Service Agreements – Platforms like Google and Facebook have their own post-death policies.

    A thorough digital estate planning checklist can help overcome these hurdles by granting legal access and simplifying navigation.

    Emotional and Sentimental Value of Digital Assets

    While financial value is a key consideration in estate planning, the emotional weight carried by certain digital assets is equally important. For many, their digital footprint tells the story of their life — from cherished family photos and heartfelt messages to personal journals and milestone achievements.

    Imagine losing access to:

    • A late parent’s voice notes or video messages
    • Thousands of irreplaceable family photographs stored in the cloud
    • Personal blog entries chronicling years of experiences

    These are not just files—they’re memories, legacies, and emotional treasures that form a deep connection between generations. Preserving them through proper planning ensures that your loved ones can revisit those memories, celebrate your life, and carry forward the values and lessons you’ve shared online.

    A digital estate plan allows you to:

    • Safeguard digital memories from accidental deletion or legal inaccessibility
    • Provide your heirs with access to sentimental data that offers closure and connection
    • Specify which digital memories should be shared, archived, or kept private

    In short, digital planning is not just about protection—it’s also about emotional preservation.

    Why Digital Assets Require a Separate Estate Planning Strategy

    Digital assets are harder to access than traditional ones. Here’s why:

    • Password Protection – Strong passwords and 2FA can lock out heirs
    • Data Encryption – Files may be unreadable without decryption keys
    • Privacy Laws – Legal barriers may prevent access to personal communications
    • Terms of Service Agreements – Platforms often prohibit third-party access post-death

    A structured digital estate planning checklist can help overcome these hurdles.

    Components of a Digital Estate Planning Checklist

    Here’s what a strong plan should include:

    1. Inventory of Digital Assets

    Start by listing all digital assets you own, such as:

    • Email and cloud accounts
    • Social media accounts
    • Subscription services
    • Financial apps and digital wallets
    • Cryptocurrencies and NFTs

    2. Store Passwords Securely

    Use trusted password managers and avoid storing passwords in notebooks or unprotected digital files.

    3. Back-Up Critical Files

    Ensure important files are duplicated:

    • Use encrypted external hard drives
    • Create digital backups offline
    • Organize files for easy navigation

    4. Legal Authorization

    Ensure legal documents allow digital access:

    • Include digital access clauses in your will
    • Set up a digital trust if needed
    • Use proper estate planning templates

    5. Appoint a Digital Executor

    Choose someone who:

    • Understands tech
    • Respects your privacy
    • Can follow your digital instructions

    6. Review and Update Regularly

    Just like your SIP investment plan or mutual fund portfolio, update your digital estate plan:

    • Annually
    • After major life changes (marriage, business sale, etc.)
    • When adding new digital assets

    Steps to Get Started with Digital Estate Planning

    If you’re unsure where to begin, here’s a simplified starting point:

    1. Audit Your Digital Life
       List down all accounts, devices, subscriptions, and assets.
    2. Prioritize
       Identify what’s important financially, emotionally, or professionally.
    3. Secure Access
       Use password managers and note device PINs, recovery emails, and 2FA settings.
    4. Assign Responsibility
       Choose a trusted digital executor or nominee and inform them of your plan.
    5. Document & Legalize
       Work with a financial planner and estate attorney to integrate digital clauses into your estate plan.
    6. Store Everything Safely
       Keep your digital estate plan and credentials in a secure, encrypted location.

    By taking these steps, you’ll remove future confusion, legal trouble, and emotional strain for your family tomorrow.

    Role of Financial Professionals in Digital Estate Planning

    You may already work with a retirement planner or wealth manager to secure your future. These professionals can also assist you in understanding the implications of digital wealth, especially in areas like:

    • Tax obligations on monetized digital content.
    • Converting crypto holdings into inheritable assets.
    • Navigating digital rights and royalties.
    • Integrating digital planning into your broader wealth strategy.

    A coordinated approach between your financial consultants, estate attorney, and digital planning tools will offer the most secure outcome.

    The Rising Demand for Digital Estate Planning Services

    Given the complexities and legal uncertainties surrounding digital inheritance, many individuals are now turning to specialized digital estate planning services. These services provide secure vaults to store digital credentials, offer templates for legal documents, and ensure compliance with the latest privacy regulations.

    Some platforms even allow users to assign digital heirs or offer post-death access via pre-scheduled verification systems.

    While these services are growing in popularity, they should complement—not replace—a professionally drafted estate plan.

    Don’t Let Your Digital Legacy Disappear

    Without planning:

    • Important memories (photos, messages) can be lost
    • Crypto or online investments can become unrecoverable
    • Business assets (websites, IP) may go unmanaged

    Proper digital estate planning ensures your online legacy doesn’t disappear with you.

    As your digital footprint grows, so does the need to protect it with the same care and precision as your traditional assets. With a clear digital estate planning checklist, legal backing, and regular updates, you can make sure that your virtual life is passed on just as thoughtfully as your tangible one.

    If you’re looking to take the first step in managing your legacy, Fincart can help. Our holistic financial advisory services don’t just cover traditional investment tools—we’re also equipped to guide you through digital asset planning.

    Secure your digital future today—because your legacy deserves to be complete.

    Tags: financial planner, Financial Planning, investment planner, investment planning



  • adidas holiday gift guide – sales and more!

    adidas holiday gift guide – sales and more!


    adidas holiday gift guide – sales and more!

    December 6, 2023 –

    Happy December, my friends! Dang has time been flying. Ever since opening the Studio, I swear the months are speeding by. 

    adidas holiday gift guide – sales and more!

    As much as I’m a summer girlie, the holiday season is one of my favorite times of the year. If you’re anything like me, I love to give gifts. There’s something about watching someone open something that you put thought and effort into and seeing their reaction.

    In both sides of our families and with my girlfriends we’ve implemented a lot of “secret santa” name picking this year where you choose a name, keep it to yourself, and then when you get together they have to guess who got them their gift.

    It’s always a hot debate on if you should ask everyone to create a “wish-list” for ideas or keep it open ended and see what their secret santa comes up with.

    I personally could go either way so I thought maybe I’d put together a holiday gift guide of items that are ON SALE until 12/9 on adidas website that you could get for your last minute friend or family member! These items would be my wish list…not that I’m throwing out hints or anything (wink), but this is essentially inspired by my current closet.

    You can’t go wrong with a pair of shoes or a beanie. I’m obsessed with beanies and wear them almost everyday in the colder months.

    For the “fanny pack” ladies out there like me this bag is perfect as well as something a bit larger because I carry around an unnecessary amount of things every day.

    My go to look in the winter is a pair of leggings, tank, hoodies, & normally a vest or jacket on top. This is truly my staple outfit each day.

    If you’re having a day where you can’t fathom wearing something tight, I love a jogger or a sweatpant and these ones never disappoint.

    To top the whole outfit off, I leave every morning with my gloves on because as I drive into work, my car isn’t warm enough yet to not wear them, and sometimes I’ll leave them on for my first 2 classes I teach as my body is still acclimating (hence my mention of me being a summer girlie at the beginning).

    Whether you snag these for yourself, your secret santa, or after the sale is over, you can’t go wrong with the staples!

    I hope this was helpful and you enjoy every ounce of the Holiday Season!

    Be true to you,

    Xo Kasey