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  • Kendrick Lamar Loses To Eminem At American Music Awards

    Kendrick Lamar Loses To Eminem At American Music Awards


    Kendrick Lamar Loses To Eminem At American Music Awards

    However, the Compton rapper did win for Favorite Hip-Hop Song with ‘Not Like Us’


    Despite having what many may consider the song of the century, Kendrick Lamar lost to Eminem in two hip-hop categories at the American Music Awards.

    According to Billboard, the Detroit recording artist bested the feuding hip-hop enemies, Lamar and Drake, as well as Future and Tyler, The Creator to emerge victorious in the Favorite Hip-Hop Artist category and also won Favorite Hip-Hop Album over Future & Metro Boomin, Gunna, Kendrick Lamar, and Tyler, The Creator. However, the Compton rapper did win for Favorite Hip-Hop Song, beating himself over two other songs he recorded and GloRilla’s two songs, one featuring Sexyy Red. He was nominated for 10 AMAs.

    This was Eminem’s first win in over ten years at the award show. His last award was given to him in 2014 for Favorite Rap/Hip-Hop album. He wasn’t in attendance to accept the award, but a taped message was shown to the audience at the ceremony.

    “AMAs, what’s up? Favorite male hip-hop artist, thank you, I appreciate that. I think it’s been 23 years since I won my first AMA, and I’m 24 years old. That’s crazy. Seriously, man, thank you to the fans. Thank you to everyone who voted for me. I appreciate y’all. Thank you so much.”

    According to The Hollywood Reporter, country music star Beyoncé won two awards for Favorite Female Country Artist and Favorite Country Album. Lamar’s tour mate, SZA, won AMAs for Favorite R&B Song and Favorite Female R&B Artist.

    Doechii took one home for Social Song of the Year

    Janet Jackson received the Icon Award and performed some of those iconic songs from her catalog, and spoke to the audience after getting the honor.

    “I’m so grateful. I mean, no disrespect in any way, but I don’t consider myself an icon. My family, myself, our dream wasn’t ever to be famous; we weren’t raised like that. We always had a special love for music, dancing, and singing, and fame came with the result of hard work and dedication.”

    A full list of winners appears below:

    2025 AMERICAN MUSIC AWARDS WINNERS

    Artist of the Year: Billie Eilish

    New Artist of the Year: Gracie Abrams

    Album of the Year: Billie Eilish “HIT ME HARD AND SOFT”

    Song of the Year: Billie Eilish “Birds of a Feather”

    Favorite Touring Artist: Billie Eilish

    Favorite Music Video: Lady Gaga & Bruno Mars “Die With a Smile”

    Favorite Male Pop Artist: Bruno Mars

    Favorite Female Pop Artist: Billie Eilish

    Favorite Pop Album: Billie Eilish “HIT ME HARD AND SOFT”

    Favorite Pop Song: Billie Eilish “Birds of a Feather”

    Favorite Male Country Artist: Post Malone

    Favorite Female Country Artist: Beyoncé

    Favorite Country Duo or Group: Dan + Shay

    Favorite Country Album: Beyoncé “COWBOY CARTER”

    Favorite Country Song: Post Malone Feat. Morgan Wallen “I Had Some Help”

    Favorite Male Hip-Hop Artist: Eminem

    Favorite Female Hip-Hop Artist: Megan Thee Stallion

    Favorite Hip-Hop Album: Eminem “The Death of Slim Shady (Coup De Grâce)”

    Favorite Hip-Hop Song: Kendrick Lamar “Not Like Us”

    Favorite Male R&B Artist: The Weeknd

    Favorite Female R&B Artist: SZA

    Favorite R&B Album: The Weeknd “Hurry Up Tomorrow”

    Favorite R&B Song: SZA “Saturn”

    Favorite Male Latin Artist: Bad Bunny

    Favorite Female Latin Artist: Becky G

    Favorite Latin Duo or Group: Julión Álvarez y su Norteño Banda

    Favorite Latin Album: Bad Bunny “DeBÍ TiRAR MáS FOToS”

    Favorite Latin Song: Shakira “Soltera”

    Favorite Rock Artist: Twenty One Pilots

    Favorite Rock Album: Twenty One Pilots “Clancy”

    Favorite Rock Song: Linkin Park “The Emptiness Machine”

    Favorite Dance/Electronic Artist: Lady Gaga

    Favorite Soundtrack: Arcane League of Legends: Season 2

    Favorite Afrobeats Artist: Tyla

    Favorite K-Pop Artist: RM

    Collaboration of the Year: Lady Gaga & Bruno Mars “Die With A Smile”

    Social Song of the Year: Doechii “Anxiety”

    RELATED CONTENT: Academy Of Country Music Awards Snub Beyoncé



  • How to Stop Tracking Macros

    How to Stop Tracking Macros


    “I worried that if I stopped tracking macros, I would lose my physique.”

    After years of careful macro tracking, Dr. Fundaro finally admitted to herself that the method no longer worked for her. Yet she was afraid to give it up.

    If anyone should feel confident in their food choices, it would be Dr. Gabrielle Fundaro. After all, Dr. Fundaro has a PhD in Human Nutrition, a decade-plus of nutrition coaching experience, and six powerlifting competitions under her belt.

    Yet, when she was really honest with herself, Dr. Fundaro realized that she felt far from confident around food. For years, she’d used macro counting as a way to stay “on track” with her eating.

    And it worked… until it didn’t.

    After years of macro tracking, Dr. Fundaro was tired of the whole thing. She was tired of making sure her macros were perfectly in balance. She was sick of not being able to just pick whatever she wanted off a menu and enjoy the meal, trusting that her health and physique wouldn’t go sideways as a result.

    Yet the idea of not tracking freaked her out. Every time she quit tracking, she worried:

    “What if I don’t eat enough protein, and lose all my muscle?”

    “What if I overeat and gain fat?”

    “What if I have no idea how to fuel myself without tracking macros? And what does that say about me as an expert in the field of nutrition?”

    The more Dr. Fundaro wrestled with macro tracking, the more she wanted to find an alternative.

    Something that would support her nutritional goals while also giving her a sense of freedom and peace around food.

    Calorie counting wouldn’t do it. That was just as restrictive as counting macros—maybe more.

    Intuitive eating didn’t seem like a good fit either. Intuitive eating relies heavily on a person’s ability to tune into internal hunger and fullness cues to guide food choices and amounts. After years of relying on external cues (like her macro targets), Dr. Fundaro didn’t feel trusting enough of her own instincts; she wanted more structure.

    Meanwhile, at the gym, Dr. Fundaro began lifting based on the Rate of Perceived Exertion (RPE) scale—a framework that helps individuals quantify the amount of effort they’re putting into a given movement or activity. It’s considered a valuable tool to help people train safely and effectively according to their ability and goals. (More on that soon.)

    While using the RPE scale in her training, Dr. Fundaro found she was both getting stronger and recovering better. There was something to this combination of structure and intuition that just worked.

    And then, it dawned on Dr. Fundaro like the apple hit Sir Isaac Newton on the head:

    If Rate of Perceived Exertion could help her train better, couldn’t a similar framework help her eat better?

    With that, the RPE-Eating Scale was born.

    Dr. Fundaro has since used this alternative method to help herself and her clients regain confidence and self-trust around food; improve nutritional awareness and competence; and free themselves from food tracking.

    (Yup, Dr. Fundaro finally trusts her eating choices—no macro tracker in sight.)

    In this article, you’ll learn how she did it, plus:

    • What the RPE-Eating scale is
    • How to practice RPE-Eating
    • How to use RPE-Eating for weight loss or gain
    • Whether RPE-Eating is right for you or your clients
    • What to keep in mind if you’re skeptical of the concept

    What is RPE-Eating?

    Invented by Gunnar Borg in the 1960’s, Rate of Perceived Exertion (RPE) is a scale that’s used to measure an individual’s perceived level of effort or exertion during exercise.

    Though Borg’s RPE uses a scale that goes from 6 to 20, many modern scales use a 0 to 10 range (which is the range that Dr. Fundaro adapted for her RPE-Eating scale).

    Here’s the RPE scale used in fitness.

    Rating Perceived Exertion Level
    0 No exertion, at rest
    1 Very light
    2-3 Light
    4-5 Moderate, somewhat hard
    6-7 High, vigorous
    8-9 Very hard
    10 Maximum effort, highest possible

    Originally used in physiotherapy settings, the scale is now frequently used in fitness training.

    For example, powerlifters might use it to choose how heavy they want to go during a training session. Or, pregnant women might use it to ensure they aren’t over-exerting themselves during a fitness class or strength training session.

    Because human experience is highly subjective and individual, the scale allows the exerciser to judge how hard they’re working for themselves. A coach can provide a general guideline, such as “aim for a 7/10 this set,” but it’s up to the client to determine exactly what that means for them.

    Dr. Fundaro had used the scale many times with herself, and clients. She always appreciated the sense of autonomy it gave her clients, while still providing some structure.

    So, she decided to take the same 1-10 scale and its principles, and apply it to eating.

    Here’s what the RPE-Eating Scale looks like:

    Table shows a hunger scale that goes from 1 to 10. 1 represents feeling painfully hungry, dizzy or sick; 2 represents feeling “hangry,” with uncomfortable hunger and stomach growling; 3 represents feeling like hunger is noticeable and stomach is rumbling; 4 represents feeling mild hunger a snack would satisfy; 5 represents feeling no hunger or fullness, just sated; 6 represents feeling a noticeable fullness, but comfortable; 7 represents feeling a little too full for comfort; 8 represents feeling an uncomfortable fullness; 9 represents feeling very uncomfortable or “stuffed”; and 10 represents feeling overly full to the point of feeling sick.

    The goal with RPE-Eating is similar to RPE when training: Develop the skills to determine what is sufficient for you, without having to rely on other external metrics (such as apps or trackers).

    How to practice RPE-Eating

    If you’ve ever practiced RPE-training, you’ll know it takes some time to get used to. RPE-Eating is the same.

    Don’t expect to be in lockstep with all of your body’s internal cues at first, especially if you’ve been ignoring them for a long time.

    With this in mind, apply the steps below to practice the RPE-Eating process.

    Step #1: Get clear on your goals.

    RPE-Eating is not just another diet.

    “It’s not about aiming to change your body,” Dr. Fundaro explains. “It’s not about feeling more control over your diet. Nor is it about feeling like you’re eating the ‘optimal’ diet.”

    If your priority is maintaining a specific physique (such as staying ultra lean) or changing your body (building muscle or losing fat), this method can be adapted for that, though it isn’t the most efficient one to use.

    Instead, RPE-Eating is about sensing into what your body needs and giving yourself appropriate nourishment—while building inner trust and confidence along the way.

    “You have to trust that you’ll be able to nourish your body, and that you’ll be okay even though things may change in your body,” says Dr. Fundaro.

    Admittedly, this can be challenging to do. It can also be difficult to let go of the expectation that you’ll hit the “right” macros at every meal—which RPE-Eating isn’t specifically designed to do.

    However, if your goal is to build more self-trust, RPE-Eating can be a great tool to help you do that.

    Step #2: Practice identifying your hunger cues

    Before we explore this step, let’s distinguish between two motivators for eating.

    First, there’s hunger. Hunger occurs when physical cues in your body (like a general sense of emptiness or rumbling in your stomach, or lightheadedness) tells you that you require energy—known to us mortals as food.

    Then, there’s appetite. Appetite is our desire or interest in eating. It can stay peaked even after hunger is quelled, especially if something looks or tastes especially delicious—like a warm, gooey cookie offered after dinner that you feel you have to try, even though you’re technically full.

    While it’s normal to eat for both hunger and appetite drives, the two can become mixed up. Especially if we have a history of dieting and tracking food.

    The RPE-Eating scale helps you tap back into those true physical hunger cues, and learn the difference between hunger and appetite.

    To put this in practice, try this before your next meal:

    ▶ Using the RPE-Eating scale mentioned above, identify your current level of hunger. Record the number on paper or the notes app on your phone.

    ▶ Then, eat your meal with as much presence as possible. (Note: This in itself takes practice. It can help to limit distractions, such as eating at the table rather than in front of the TV, and focusing on the flavors and textures of the food you’re eating, and how you feel eating it.)

    ▶ About halfway through the meal, check in again. Based on the scale, how hungry are you now? As before, record the number.

    ▶ If you’re still hungry, finish your meal. When you’re finished, repeat the same process, writing down where you are on the scale.

    ▶ Once you’re done, take a minute and tune into what your body feels like. What does it feel like to be full? “Download” that feeling into your mind and internalize it in your body, as if you’re updating your phone with the latest software.

    Repeat this for as many meals as you can. Aim to do it for one meal a day for a week or so, or for as long as feels good to you. Don’t worry if you forget: simply repeat the practice when you can.

    The more you practice this, the better you’ll become at being attuned with your actual hunger cues. With time, you’ll likely find you develop more trust in your internal compass than what the latest diet tracker says for your needs.

    (For more on fully-tuned-in, mindful eating, read: The benefits of slow eating.)

    Step #3: Get to know your non-hunger triggers

    Have you ever come home after a super stressful day and you’ve basically thrown yourself onto a bag of chips or a carton of ice cream?

    We might like to imagine ourselves eating every meal mindfully, using the RPE- Eating system to a tee, but life rarely works like that.

    Chances are, there are certain situations that trigger you to eat more quickly, mindlessly, and beyond the point of hunger.

    That’s okay.

    Dr. Fundaro’s suggestion? Aim to become more aware of the situations that cause you to overeat in the first place.

    To do this, you can practice something we use in PN Coaching: Notice and name.

    When you find yourself scarfing down food faster than you can blink, simply try to notice what’s going on.

    Can you name a feeling—such as anxiety, or sadness?

    Can you identify a situation or moment that happened before you started eating—say, an argument with your teenager, or a nasty email from your boss?

    Once you’ve identified the feeling, event, or person that’s triggered you to eat compulsively, see if you can also identify what you might really be needing or desiring.

    Eating for comfort is normal. However, if it’s the only coping method we have, it can cause more problems than it solves in the long run.

    When you find yourself with an urge to eat mindlessly, consider what non-food coping mechanisms might help you feel better. That could be 10 minutes away from your computer to close your eyes and breathe, a walk outside, or a quick call to a friend to rant—or just talk about something completely unrelated.

    Getting to know your non-hunger eating triggers—plus widening your repertoire of self-soothing methods—is just as valuable as getting to know your hunger cues. Over time, this awareness will allow you to eat with more intention.

    Step #4: Eat for satiety AND satisfaction

    Even when you’re “adequately fueled” from a physical perspective, you might still feel unsatisfied from an emotional perspective.

    That’s because, according to the RPE-Eating framework, eating should fulfill two criteria:

    ▶ Satiety describes the physical sensation of being full; your calorie or fuel needs are met.

    ▶ Satisfaction describes a more holistic feeling of being nourished; your calorie needs are met, but your meal also felt pleasurable.

    If you ate to satiety only, your calorie needs might be met and your physical hunger quelled, but you might still feel unsatisfied—maybe because chocolate is on your “don’t” list, and even though you’ve eaten everything else in your kitchen that isn’t chocolate, nothing quite “hit the spot.”

    In other words, you can eat to satiety at every meal, yet still be “restricting” foods.

    You may not be restricting calories per se, but you may have banned entire food groups—baked goods, pizza, or whatever else curls your toes. This can lead to a feeling of constantly needing to police yourself, and doesn’t leave much room for the flexibility and spontaneity that real-life (enjoyable) eating requires.

    (Plus, avoiding particular foods tends to work like a pendulum: restrict now; binge later. If you want to learn how to stop those wild swings, read: How to eat junk food: A guide for conflicted humans)

    Satisfaction is a key part of eating.

    After all, humans don’t just eat for adequate nutrients and energy. We eat for other reasons too: pleasure, novelty, tradition, community, enjoyment.

    So, to take your RPE-Eating to the next level, Dr. Fundaro recommends trying it with meals and foods you genuinely enjoy.

    If any foods or meals have been “off-limits,” try eating them using the RPE technique. (Macaroni and cheese, anyone?)

    Practice using the scale with a variety of meals (including those you may have restricted previously), and notice how you feel over time.

    With experience, you’ll get to know what it feels like to adequately fuel yourself with a variety of foods—including those you genuinely enjoy.

    How do I know if RPE-Eating is right for me or my clients?

    RPE-Eating isn’t for everyone, but might be a good fit for you (or your clients) if:

    ✅ You feel dependent on food tracking, but you don’t want to be.

    ✅ Every time you stop tracking, the loss of perceived control freaks you out and drives you right back to tracking.

    ✅ You want to stop tracking, but you want to have some type of system or guidance in place.

    ✅ You’re currently tracking (or considering tracking) your food intake, and you have elevated risk factors for developing an eating disorder such as high body dissatisfaction; a history of yo-yo dieting; a history of disordered eating patterns; and/or participation in weight class sports.

    If you’re a coach looking to use this tool with a client, check out Dr. Fundaro’s resources. Remember this tool may not be for everyone, and how you apply it needs to be flexible.

    Note: If you or your client struggles with disordered eating, this tool does not replace working with a health professional who specializes in eating disorders, such as a therapist, doctor, or registered dietician.

    How to use RPE- Eating for weight loss or weight gain

    According to Dr. Fundaro, the best way to use RPE-Eating is in a weight-neutral setting.

    While it could be used for weight modification, she doesn’t recommend treating it as another way to hit your macros or “goal weight.”

    “I’m not anti-weight modification,” Dr. Fundaro explains. “I’m pro safe weight modification. I compare weight loss to contact sports. There are inherent risks but they can be mitigated through best practices.”

    Dr. Fundaro elaborates: “Since RPE-Eating removes macro-tracking, which can increase risk of disordered eating in some people, and relies on biofeedback and non-hunger triggers, RPE-Eating provides a safety net that macro-tracking alone doesn’t provide.”

    But if you do want to use RPE-Eating for intentional weight change, what should you do?

    Dr. Fundaro recommends aiming to hover around the ranges that support your goal.

    (As a reminder, a 1 to 3 on the RPE-Eating scale is categorized as “inadequate fuel; a 4 to 7 is categorized as “adequate fuel”; and a 8 to 10 is categorized as “excess fuel.”)

    ▶ If the goal is weight gain, you’ll likely aim to eat within the 7 to 8 range for most of your meals.

    ▶ If the goal is weight loss, you’ll likely aim to eat within the 4 to 5 range for most of your meals.

    A key thing to remember is that you would never use RPE-Eating for extreme weight-modification such as for a bodybuilding competition. “That would be like using physio exercises to prepare for a powerlifting competition.” In other words, it’s not the right tool for the job.

    Hold up, bro: Isn’t this just feelings over facts?

    If you’re skeptical and think this is just eating “based on your feelings,” keep in mind that RPE was once laughed at by lifters, too.

    These days, RPE and autoregulation are widely accepted in gym culture and have been studied as a valid method for managing and guiding your training. 1

    RPE isn’t perfect, but it’s pretty accurate and incredibly convenient. A lot more convenient than, say, using a velocity loss tracker for every set. 2 3

    And while it might seem like it’s all feelings-based, the RPE scale is actually built around practicing the skill of interoceptive awareness—the awareness of internal sensations in your body.

    The better you get at the skill of interoceptive awareness, the more you’ll be able to use that awareness to make informed decisions about your training.

    RPE-Eating is similar: It builds the skill of sensing into your own body, and lets your internal sensations guide your decisions.

    Similar to how the bar slowing down on a squat would indicate you’re getting closer to failure, experiencing the absence of hunger at the end of your meal would indicate you’re closer to being full.

    Instead of tracking your glucose levels to validate your perceived hunger, you use internal cues that correlate with lowered blood sugar and coincide with hunger.

    And, let’s be real: Being mindful of stomach grumbling or general hunger pangs is much more convenient and accessible than tracking glucose readings.

    This process will not be perfect. You may undereat or overeat at first. But over time, with practice, you’ll build the core skills of RPE-Eating.

    Are there downsides to RPE-Eating?

    While this tool can be helpful, it’s just a tool. A screwdriver is great, but it isn’t useful when you need a hammer.

    RPE-Eating can be great for helping you become more aware of your internal hunger cues and build a better relationship with food along the way.

    It can also be more laborious. It requires paying real attention to your feelings (physical and emotional), and reflecting on them.

    This can be difficult for anyone—but especially people who aren’t able to sit at the table and have a leisurely meal, like parents with small kids, or people with work schedules that require eating on-the-go.

    If this is you, just use RPE-Eating when it does work for you—or simply pick and choose specific steps to use in isolation. For example, maybe you try RPE-Eating on the occasional quiet lunch break. Or, maybe you focus solely on developing your awareness of hunger and fullness cues, without trying to change anything else.

    If you’ve been tracking macros for a long time, it can be hard to stop.

    Tracking macros isn’t inherently bad. It can actually be a helpful tool to teach you more about nutrition. But it’s also not something most people want to do for the rest of their lives.

    The problem is, if you’ve depended on tracking your food intake, stopping can feel scary.

    In these cases, RPE-Eating can be used as a kind of off-ramp to help transition away from rigid and restrictive macro tracking.

    (It can also help loosen the compulsion to “always finish your plate.” Though macros tracking and habitual plate-cleaning may sound different, they’re actually similar: both rely on external cues—such as macro targets or what’s served on your plate—to determine when you’re “done.”)

    RPE-Eating won’t take away all the scary feelings that may come with changing ingrained ways of eating.

    However, it can provide some structure and language to help you, or your clients, eat with less fear, less stress, and a bit more confidence.

    “The goal,” says Dr. Fundaro, “is to know that you’re nourishing yourself—and you don’t need a food tracker to do that.”

    References

    Click here to view the information sources referenced in this article.

  • From Oil Changes to Brake Checks: 10 Key Maintenance Tasks to Keep Your Car Running

    From Oil Changes to Brake Checks: 10 Key Maintenance Tasks to Keep Your Car Running


    BELL KA PANG // Shutterstock

    The automotive market has been hit hard by ongoing inflation and uncertainty about trade policy. And with President Donald Trump enacting a 25% tariff on all imported vehicles and vehicle parts as of April 2025, car prices are about to rise even higher.

    That means fewer Americans will be shelling out money to buy new vehicles and instead will focus on maintaining their current set of wheels. In 2024, the average age of drivable vehicles reached a record of 12.6 years, according to an S&P Global Mobility report in May of that year. With upcoming price increases, owners will likely hold onto their vehicles longer.

    But as any machine ages, components degrade, parts wear down, and failures potentially become inevitable. Routine maintenance is critical to preventing deterioration and prolonging a vehicle’s lifespan in terms of both safety and operation. Maintenance tasks often have a time or mileage schedule, and knowing when to change fluids or rotate the tires can help owners extend their vehicle’s lifespan and reduce the need for more costly repairs down the line.

    Not all types of vehicles will require the same maintenance, however. Electric vehicles are exempt from regular spark plug or oil changes, but require much larger batteries for operation.

    The General broke down 10 essential maintenance tasks that help keep your car safer, more reliable, and on the road longer.

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    Jacktamrong // Shutterstock

    Engine Oil Change

    Changing a vehicle’s oil is one of the most common and critical maintenance tasks for gas-powered vehicles. Clean engine oil is crucial to ensuring that mechanical components are properly lubricated for optimal longevity, which in turn also affects fuel mileage.

    While specifics vary by vehicle make, oil blend, and driving conditions, drivers should change most modern oils between 5,000 and 7,500 miles or at least twice a year. Oil changes usually cost between $35 and $125 and are offered at most dealerships and repair shops. Owners looking to change their oil on their own must be aware of local disposal regulations for automotive fluids and filters.

    Lightfield Studios // Shutterstock

    Brake Pad Replacement

    Cars need to be able to drive—but more importantly, they need to be able to stop. Working brakes are a requirement for the safe operation of any vehicle. Brake pads are one of the most essential components of a vehicle’s braking system and need to be changed somewhat regularly.

    Brake pads often last between 25,000 and 50,000 miles, but if the brakes start squeaking or making other noises, it may require more immediate replacement. Brake pad replacement varies depending on the type of car, but costs around $300 and is commonly available at repair facilities.

    AMNAT DPP // Shutterstock

    Tire Rotation and Alignment

    Tires should be the only component of a vehicle that makes contact with the road. Ensuring they are properly aligned and regularly rotated will not only prolong the lifespan of the tires, but also grant increased fuel efficiency and ensure smoother operation.

    While often considered the same, tire rotation and wheel alignment are two separate procedures, with rotation swapping the tires’ positions to evenly distribute wear and alignment adjusting the suspension to ensure they make proper contact with driving surfaces. The need for such repairs varies with regular driving conditions, vehicle type, and function, but is often recommended on an interval similar to oil changes.

    Yury Nikolaev // Shutterstock

    Replacing Air Filters (Engine and Cabin)

    Most vehicles have two primary air filters. One protects the airflow in and out of the engine from contaminants that hinder combustion, while another filters the air entering the cab, much like the air filter in a home climate system. Filters are exposed to dirt and contaminants, so they need to be changed regularly.

    Experts recommend changing air filters at least once a year or every 12,000 miles; the average cost for an air filter replacement ranges between $59 and $78, depending on parts and labor.

    Setta Sornnoi // Shutterstock

    Transmission Fluid Replacement

    The transmission is a critical piece of any vehicle’s drivetrain system. Whether controlled manually or automatically, it ensures that power generated from the engine is transferred to the wheels. Much like the oil in the engine, this vital system depends on transmission fluid to ensure that gears change smoothly and that the engine uses fuel efficiently.

    It is recommended to change transmission fluid between every 30,000 and 100,000 miles depending on the vehicle and transmission type. Not maintaining a system as essential as the transmission can lead to failures that will cost significantly more to fix later in a vehicle’s life.

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    Deemerwha studio // Shutterstock

    Battery Inspection or Replacement

    Almost all systems in modern vehicles rely on some sort of electrical component, with EVs relying on electricity for all systems. This makes the battery an extremely important nerve center for the entire vehicle.

    Experts suggest changing a battery for gas-powered vehicles every three to five years, with regular inspections beginning at the three-year mark. Electric vehicle batteries are much larger and may last 12 to 15 years in moderate climates. Batteries may show subtle signs of failure, such as dim headlights, slow cranking when starting, or a sulfuric smell, but once the battery dies, the vehicle will not even start. The price for battery replacement will vary depending on the size and power necessary, along with accessibility within the vehicle.

    Pawel Radomski // Shutterstock

    Coolant Flush

    Since both combustion engines and electric motors generate heat, regulating the system’s temperature is necessary. Antifreeze, also known as engine coolant, keeps a vehicle’s engine from either getting too cold to function or overheating. It is recommended to check coolant at least twice a year: once in the summer and once in the winter.

    Due to gradual degradation and contamination, the fluid in gas-powered cars should be flushed and replaced approximately every 60,000 miles, with specifics varying on vehicle manufacture and driving conditions. The service for flushing coolant often runs between $200 and $250 and is commonly offered at dealerships and repair shops. For electric vehicles, experts recommend changing the fluid every five years, which may cost between $400 and $650.

    kanemme6 // Shutterstock

    Timing Belt/Serpentine Belt Replacement

    The serpentine belt and timing belt perform different but critical functions. The serpentine belt transfers energy generated by the engine to accessories such as the alternator and air conditioning compressor. The timing belt regulates smooth engine operation. Failure of either can cause breakdowns and lead to expensive repairs.

    One of the most common symptoms is a squeak or squeal under the hood, which is often accompanied by a smell of burning rubber. Some belts can last up to 100,000 miles, but it is recommended to routinely check them since they are made of rubber and exposed to heat generated by vehicle operation.

    Nor Gal // Shutterstock

    Spark Plug Replacement

    Spark plugs play an integral part in the function of a combustion engine by igniting the fuel. Therefore, it is important to ensure they are functioning cleanly and efficiently. Dirty spark plugs can lead to loss of fuel efficiency and rough engine operation.

    They should be checked starting at 30,000 miles for standard plugs made of copper, while plugs made from metals such as platinum or iridium offer longer lifespans. Replacement can run between $100 and $500, with spark plug replacement often included in tune-up packages.

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    noPPonPat // Shutterstock

    Windshield Wiper Replacement

    While not always regarded as essential to vehicle operation as engines, batteries, or alternators, windshield wipers help ensure driver visibility in all driving conditions. They are also one of the most easily accessed components to inspect and replace. If the wiper is not clearing the windshield fully or shows visible damage on the blade, replace it.

    Windshield wiper blades should be inspected and replaced every six to 12 months. Replacing the blades can come in around $60, but it may cost more if there are issues with the wiper motors or other components.

    Written by: Daniel Dennerline. Story editing by Alizah Salario. Copy editing by Kristen Wegrzyn.

  • What is Stan Store? – Good Financial Cents®

    What is Stan Store? – Good Financial Cents®


    Initially, when my wife introduced me to Stan Store, I wasn’t impressed.

    It seemed illogical to pay $30 a month for software that just offered a basic sales page, especially without any integrated email service provider.

    This was a stark contrast to my experience with platforms like ConvertKit, where I started with a free account until my subscriber count grew large enough where I had to pay.

    screenshot of Stan Store home page

    As I spent more time with Stan Store, my perspective began to shift. I realized that for someone completely new to online marketing, who might be overwhelmed by the complexities of building and creating a landing or sales page, Stan Store could actually make a lot of sense.

    It’s tailored for beginners, offering them a straightforward entry point into the world of digital marketing.

    Who is Stan Store For?

    So, who’s going to love Stan Store? Pretty much anyone aiming to make a buck online through digital products or services. If you’re like me, trying to turn those ‘link in bio’ clicks into actual sales, then Stan Store is your go-to.

    Let me break it down for you. Stan Store is a hit with a wide range of creators and businesses, but from my experience, it’s a total game-changer for:

    • Content Creators, Influencers, Micro-influencers, and UGC Creators
    • Instagrammers, TikTokers, YouTubers, X’rs
    • Online Coaches, Mentors, and Teachers
    • Digital Product Creators (Etsy, you’ve got competition)
    • Social Media Managers and Content Managers
    • Designers, Freelancers, and Small Digital Businesses

    And hey, even if you’re in the business of selling physical goods, Stan Store can be a killer tool for growing your email list or hosting online events.

    Just a heads up though – selling physical products directly through Stan Store isn’t on the table just yet.

    How Does Stan Store Work?

    Picture this: I’m on TikTok or Instagram Stories, chatting about my latest digital product – let’s say it’s an eBook or a PDF.

    In the past, I’d direct my followers to the ‘link in my bio’, which would then send them off to another site, like my website. There, they’d have to play detective to find the product I was talking about, or sit through endless page loads.

    But with Stan Store, things get a whole lot smoother. The ‘link in my bio’ is now the store itself. Followers can hit that link, buy what they want right there and then, without being shunted off to a different site.

    The best part? They can hop right back to Instagram or TikTok without feeling like they ever left. It’s all about keeping it simple and seamless – and that’s what Stan Store nails perfectly.

    Here’s a screenshot of my wife’s personal Stan Store:

    screenshot of my wife's personal Stan Store account.

    We’re still not a big fan of their email signup process so for now our opt-in page (squeeze page) is hosted on Kajabi.

    But my wife is selling our Digital Product Quickstart Guide on Stan Store. Here’s how the sales page looks:

    screenshot of a sales page built in our Stan Store personal account

    Behind the scenes of our sales page is a payment processor and the ability to deliver the digital product with ease. That’s what makes Stan Store so attractive. You can literally start selling your very own digital product in a matter of minutes.

    Why Stan Store Stands Out

    What truly sets Stan Store apart is its efficiency – you can begin selling your own digital products in just a matter of minutes.

    Stan Store Features Overview

    Stan Store is packed with features designed to make the life of a digital creator easier and more profitable. Whether you’re a coach, influencer, or digital product creator, here’s what Stan Store brings to the table:

    • Mobile & Desktop Optimized Store: Your store looks great and works seamlessly on any device, ensuring a smooth shopping experience for your audience.
    • Calendar Invites & Bookings Product: Easily manage appointments and bookings directly through your store.
    • Analytics: Get insights into your store’s performance to make data-driven decisions.
    • Unlimited Course Products: Offer as many courses as you like, with no restrictions.
    • 1-Tap Checkout: A streamlined checkout process that makes purchasing a breeze for your customers.
    • Recurring Subscription Products: Ideal for memberships and ongoing services, this feature allows for regular income.
    • Audience/Newsletter Builder: Grow your audience and keep them engaged with integrated newsletter tools.

    Stan Store Plans: Creator vs. Creator Pro

    Creator Plan

    The Creator plan, priced at $29 per month (or $300 per year with a 20% discount), is an excellent starting point for anyone looking to jumpstart their online business. It includes all the essential tools you need:

    • Mobile & Desktop Optimized Store
    • Calendar Invites & Bookings Product
    • Analytics
    • Unlimited Course Products
    • 1-Tap Checkout
    • Recurring Subscription Products
    • Audience/Newsletter Builder

    This plan is perfect for creators who are just beginning to monetize their online presence and need a comprehensive, yet straightforward set of tools to get started.

    Creator Pro Plan

    For those ready to take their business to the next level, the Creator Pro plan is available at $99 per month (or $948 per year with a 20% discount). It includes everything in the Creator plan, plus advanced features for optimizing conversions and offering more to your customers:

    • Advanced Pricing & Payment Plans
    • Discount Codes
    • Limit Quantity
    • Payment Plans
    • Order Bumps & Upsells
    • Funnel Builder
    • Affiliate Share Feature
    • Email Marketing

    The Creator Pro plan is tailored for creators who are looking to expand their offerings, optimize their sales process, and engage more deeply with their audience.

    Benefits of Using Stan Store

    Convenience and Accessibility

    The convenience and accessibility of Stan Store are what eventually changed my initial skepticism. The platform allows anyone, regardless of their technical skill, to quickly set up a landing or sales page.

    This ease of use is a crucial factor for many users, especially those who lack the time or technical expertise to navigate more complex systems.

    screenshot of our personal stan store account logged in

    Competitive Pricing and Deals

    The initial pricing, though seemingly high, is justified by the platform’s simplicity and effectiveness, particularly for its target audience – the absolute beginner in online marketing. The recent addition of an email service provider at a higher tier adds more value, making it a more comprehensive tool.

    Drawbacks of Stan Store

    Limitations in Product Availability

    One of the criticisms I had of Stan Store was its limited range of features. While its simplicity is its strength, it also means that users looking for more advanced features might find Stan Store lacking. This limitation can be a significant drawback for users as their businesses and marketing skills evolve.

    Stan Store Alternatives

    In the journey of online entrepreneurship, it’s crucial to explore various platforms to see what aligns best with your business needs. While Stan Store has been a solid choice for me, I’ve also had experiences with other platforms worth mentioning:

    • Shopify: Shopify is a robust platform for creating online stores. It’s feature-rich and offers a lot of flexibility for those looking to build a detailed and extensive online shop.
    • WooCommerce: Ideal for WordPress users, WooCommerce seamlessly integrates with your existing site, transforming it into a fully functional e-commerce platform. It’s versatile but can be a bit complex, especially for beginners.
    • Etsy: Etsy is the go-to marketplace for unique, handmade, or vintage items. It’s less about building your own store and more about joining a vibrant, existing marketplace.
    • Teachable and Thinkific: Both are excellent for creating and selling online courses. They offer a range of tools tailored for educators and coaches, focusing on course creation and student engagement.
    • Gumroad: Simple and straightforward, Gumroad is perfect for independent creators selling digital products like books, music, or art directly to their audience.
    • Kajabi: Kajabi is an all-in-one platform offering tools for online courses, marketing, and website building. It’s ideal for those offering educational content and looking for a comprehensive solution.

    Comparison Table: Stan Store vs. Alternatives

    Feature/Platform Stan Store Shopify WooCommerce Etsy Teachable/Thinkific Gumroad Kajabi
    Customization Moderate High High Low Moderate Low High
    Ease of Use High Moderate Moderate High High High Moderate
    Target Audience Creators General Retail WordPress Users Artisans Educators Independent Creators Educators/Marketers
    Product Type Digital All Types All Types Handmade/Vintage Courses Digital Products Courses/Marketing
    Pricing Model Subscription Subscription Free (Plugin) Transaction Fees Subscription Transaction Fees Subscription

    This table gives a quick overview of how Stan Store compares with its alternatives in terms of customization, ease of use, target audience, product type, and pricing model. Each platform has its strengths, and the best choice depends on your specific business needs and goals.

    Is Stan Store Worth it?

    After diving deep into Stan Store and comparing it with its alternatives, the big question remains: Is Stan Store worth it? Based on my experience and the insights I’ve gathered, my answer leans towards a yes, especially for a specific audience.

    Stan Store stands out for its sheer simplicity and focus on digital content creators. If you’re just starting out or find yourself overwhelmed by the complexities of more advanced platforms, Stan Store offers a welcoming and straightforward path. The ease of setting up a sales or landing page, combined with the platform’s focus on digital products, makes it an attractive option for creators who want to monetize their content without the hassle.

    The pricing, initially a point of skepticism for me, actually makes sense when you consider the target audience and the features offered. For beginners and those not ready to navigate the complexities of platforms like Shopify or WooCommerce, Stan Store’s $29 monthly fee for the Creator plan is a reasonable investment.

    And for those looking to scale up, the Creator Pro plan, despite its higher price, brings in advanced features that could justify the cost as your business grows. If you’re not sure Stan Store is a good fit, the 14-day free trial might be exactly what you need.

    Bottom Line – Stan Store Honest Review

    In conclusion, while Stan Store might not be the one-size-fits-all solution for every online entrepreneur, it certainly has carved out its niche. It’s a platform that understands and caters to the needs of digital content creators, making it a worthwhile consideration for those in its target demographic.

    As with any tool, it’s about finding the right fit for your specific needs, and for many creators, Stan Store could be just that.

    To try Stan Store for free, click here for a 14-day trial.

  • Perimenopause, Profit, and Pills: The Truth About Menopause Supplements

    Perimenopause, Profit, and Pills: The Truth About Menopause Supplements


    Menopause—and by extension, perimenopause—is big business. In 2024, the global market for menopause-related products was valued at roughly $17.6 billion, and it’s projected to grow to $24.4 billion by 2030.

    The drivers of this market are pretty straightforward: By 2025, around 1 billion women will be postmenopausal, according to the North American Menopause Society. While the number of perimenopausal women is harder to pin down (since perimenopause doesn’t have a defined start date), we know it’s sizable—and growing.

    The Menopause Market Is Booming—But Medical Support Is Lagging

    Unfortunately, these women are often underserved by the current medical system. Only 20% of OB-GYN residency programs in the U.S. offer any training in menopause, and even among those that do, more than 70% only provide two lectures on the topic per year (AARP).

    Meanwhile, a Yale University study found that although 60% of women with perimenopausal symptoms seek medical help, 75% of them don’t actually receive treatment.

    Combine this with the general lack of research in women’s health, and you’ve got a huge population of women left to figure things out on their own.

    As a result of these gaps in health care for women, many women have turned to the menopause market—  which now includes things like women’s health apps, devices that claim to help with hot flashes, products that promise to support vaginal health (pelvic floor tone, dryness, bladder control), estrogen creams form compounded pharmacies, and loads of dietary supplements that are marketed heavily by menopause influencers.

    But given that these products are unregulated, are any of them effective? Let’s talk about it.

    The Symptoms of Perimenopause Are Complex—and So Is the “Care”

    What Women Experience During Perimenopause

    Perimenopause presents with a wide—and often overwhelming—range of symptoms, including:

    • Irregular menstrual cycles

    • Hot flashes and night sweats

    • Mood changes, including anxiety and irritability

    • Sleep disturbances

    • Vaginal dryness or pain

    • Decreased libido and painful sex

    • Brain fog

    • Joint pain and muscle aches

    • Weight gain and bloating

    • Skin rashes or irritation

    And it doesn’t just last a few months. Perimenopause can drag on for 7–14 years.

    Why Diagnosis Isn’t Always Clear-Cut

    Science currently attributes these symptoms to hormonal fluctuations, but because those hormone levels shift constantly, there’s no definitive or effective test for perimenopause. In many cases, diagnosis is based on vibes—not labs.

    Supplements for Menopause: A Convenience or a Trap?

    The Supplement Industry Is Unregulated—and Full of Promises

    In the gap left by lacking medical care, a thriving supplement industry has stepped in. Supplements are huge business: in 2023, the global supplement market was valued at $177 billion—about 10x larger than the menopause market itself.

    I think we can all agree that it’s a really great thing that more women are talking about perimenopause and are demanding better care and more treatment options. In fact, many of the products and services that have come onto the market have been created by women who themselves felt unsupported and dismissed when they started perimenopause.

    While some of the apps and services actually do help women get better access to perimenopause care and feel more supported, the dietary supplements are another story.

    Here’s the problem: supplements aren’t regulated. Manufacturers aren’t required to test their products for safety or effectiveness before selling them. They’re also allowed to make lofty health claims with no clinical evidence to back them up.

    Many supplements marketed to women for perimenopause symptoms carry steep price tags, especially when wrapped in “wellness” branding. Often, they’re sold with the same ingredients as other cheaper supplements, just with different marketing copy.

    It’s called the “pink tax”—products like razors and pain medication when geared towards women typically have a higher price.

    So by marketing it to women specifically, despite being identical to the same products for men, many of supplements marketed for perimenopause are higher priced than similar supplements with the same ingredients.

    And yet, supplements tend to be very popular with women going through perimenopause and menopause—even choosing them over menopause hormone therapy (MHT, formerly known as hormone replacement therapy or HRT) which has been proven to be safe for many women and is well documented to ease menopausal symptoms.

    Diet Culture Sells Women a “Cure” for Their Changing Bodies

    Registered dietitian Leslie Weidner says it’s no surprise that many women reach for supplements over MHT—especially when they’ve spent decades being dismissed by the medical system.

    “Women especially are getting blown off when it comes to their symptoms,” she says. Whether it’s perimenopause or earlier issues like endometriosis or PCOS, women are often told by their doctors that it’s their fault. “A lot of doctors will say you need to control your weight. I think that leads to this idea that when we go into perimenopause, if we’re not controlling our weight we’re doing something wrong.”

    Weidner says the most common concern she hears from women entering perimenopause is weight gain—particularly around the middle. In a culture that equates thinness with health, many women are trained to view natural weight gain as failure.

    And wouldn’t you know it, many menopause supplements are marketed as weight-loss solutions, while also claiming to help with energy, mood, sleep, hot flashes, and more.

    Take these examples:

    • Over 30 Hormone Support by Gleefull: Claims to promote weight loss, increase energy, improve sleep, and reduce mood swings and hot flashes.

    • Hormone Harmony by Happy Mammoth: Promises to support hormonal balance, relieve symptoms of menopause, support cortisol/estrogen/progesterone levels, improve sleep quality, help with irritability, enhance the body’s stress response, support mental function, and of course, promote healthy weight loss and curb carb cravings.

    Those are big promises for a single pill.

    Yet buried in the FAQs? That standard disclaimer:

    These statements have not been evaluated by the Food and Drug Administration. This product is not intended to diagnose, treat, cure, or prevent any disease.”

    In other words, these products have not been proven to do anything and aren’t intended to treat any of the symptoms we’ve claimed they help. Nice. 

    What the Experts Say About Efficacy and Safety

    Weidner is skeptical.

    Since perimenopause and menopause is a buzzword now, companies are realizing this, and there’s so many formulated supplements out to help your perimenopause symptoms. But there’s absolutely zero research that shows that a combination of herbs in a supplement is going to do anything.”

    In other words, the convenience is appealing, but the science just isn’t there.

    Additionally, supplements that use so-called proprietary blends often include so many ingredients in one pill that it’s tricky to know how all of those herbs will interact with a person’s unique needs or any other medications they are taking.

    Dr. Monica Barbieri, in an interview with the Today Show, agrees. I cannot tell you how many times I have identified supplements people were using that were unnecessary, potentially harmful or interacting with other medications,” she says. “Or people who were using 25 supplements where they could just use hormone therapy.” 

    Hormone Therapy: Why Some Women Are Choosing It—and Others Aren’t

    The Stigma Around MHT Still Lingers

    MHT is one of the most clinically backed, highly effective treatments for many perimenopause symptoms. But because of past bad press, many women are still hesitant.

    Sarah, now postmenopausal, remembers the fear and negativity about MHT. But once she found a doctor who explained the research and took the time to talk through her options, it changed everything.

    Sarah’s doctor spent 30 minutes discussing the benefits of MHT for her sleep and vulvovaginal pain—and it worked. “I was having horrible hot flashes, almost every hour in the middle of the night and I couldn’t get decent sleep as a result. Hormone therapy made a huge difference. I don’t regret it at all.”

    Sarah didn’t go for supplements or alternative treatments prior to MHT, but lots of women do because it feels a little bit easier than going to a doctor who might not listen anyway. 

    What Happens When Doctors Don’t Listen

    For many women, though, getting the right care takes years—or doesn’t happen at all.

    Patient C (name omitted for privacy) shares her experience of having a wide array of frustrating and painful perimenopause symptoms for years that felt clearly hormonal to her, but doctors couldn’t seem to identify as symptomatic of perimenopause.

    Patient C’s symptoms included a psoriasis-type rash that lasted for 7 years, difficulty sleeping, connective tissue injuries that stopped recovering quickly, and “cycle related incontinence that nobody seemed to care about or want to help treat which was very frustrating.”

    She tried a compounded estrogen cream that gave her a yeast infection but did not get rid of the rash and otherwise suffered with these symptoms for years. The rash and other symptoms stopped abruptly, right around the time that she had her last menstrual period, at which point the hot flashes started. She tells me that this is what indicates that her symptoms were hormonal and absolutely related to perimenopause, despite never receiving a diagnosis. But wasn’t until she finally started taking MHT that her quality of life changed dramatically. 

    Three months into hot flashes and very little sleep because of waking up constantly to throw the covers on and off, I started hormone therapy and the side effects were a little bit brutal for the first three weeks. But the hot flashes completely stopped and I am sleeping through the night, so just based on that alone I’m feeling way better!! Sleep is important.”

    Patient C’s story highlights that women are more accustomed to tolerating extreme levels of pain and discomfort for long periods of time simply because the medical establishment isn’t always inclined to listen or take them seriously. And it feels too frustrating and overwhelming to try.

    It’s not surprising that women are more likely to turn to supplements because they feel easier. And they’re often sold by women like them who promise that one pill will solve all of their problems, including the ones that are pushed hard by diet culture and the patriarchy like “fixing” weight gain and wrinkles.

    And that feels so easy, so convenient.

    What if it was possible to solve your perimenopause symptoms with a pill or two that you don’t need a doctor’s appointment or a prescription for—one that you can purchase from your favorite celebrity or even from the health food store down the block?

    Real Women, Real Results with MHT

    Patient T had a similar experience to Patient C. Her doctors dismissed her symptoms and gave her terrible advice, leading her to suffer painful perimenopause symptoms for longer than necessary.

    My primary care doc and the OBGYN I initially saw both had me in tears – one suggesting I probably needed antidepressants despite having a regular therapist who didn’t feel that was the case and the other suggesting maybe I’m tired because I could be snoring and not know it (?!?). How do you see someone with all these common perimenopause symptoms and think ‘maybe we should look at snoring first?’

    I did finally find an OBGYN who was willing to listen to me and try HRT and who is kind and lets me have a voice in my care. She said I would probably feel some difference in 7 days. I literally felt a cloud lift off of me in the first 36 hours. I had been suffering for years and here we were in 36 hours, I could feel better.

    Patient T no longer has night sweats or brain fog or difficulty sleeping, but despite working out 3-5 days a week including strength training, she still hasn’t lost any of the weight gain from perimenopause.

    Thankfully, her new OBGYN isn’t concerned and agrees with Weidner that bodies can change with age, which isn’t necessarily a bad thing.

    My new OBGYN  said there’s no magic bullet for weight gain. It’s all genetics, calories, and exercise. She also is not concerned about my weight and says I’m perfectly healthy.”

    Patient M tried multiple supplements before MHT and says none of them helped with her hot flashes, night sweats, anxiety, or sleep. Only MHT made a measurable difference.

    “My main symptoms were hot flashes, night sweats, weight gain, anxiety (very atypical for me), and 90-120 minute sleep cycles – meaning awake every 90-120 mins.

    I was taking wild yam, black cohosh, adaptogens, b12, and magnesium.  None of those supplements made a dent.

    I went on the lowest levels of oral estrogen (estradiol) + progesterone. The hot flashes immediately stopped and I was sleeping much better. Night sweats became very mild.”

    Despite this, Patient M second guessed herself, thinking that perhaps other factors might be impacting the improvement in her symptoms, so she weaned off of the hormones. Within 8-10 days of weaning, the symptoms were back. 

    So I increased to the next mg level of estradiol, this time in patch form,” she says. “All symptoms are now gone.”

    Patient M hasn’t lost the weight she gained as a result of perimenopause. And while she has conflicting feelings about that, for the most part, she’s tired of diet culture dictating how she feels about her body or lives her life.

    “I’m acutely aware of the idealized body image which I believe disempowers women.  I don’t give a shit what I’m supposed to look like. I’m supposed to age and change. 

    I’m healthy, strong, have glowy skin, and feel good most of the time. 

    Here’s where I usually land: The limited type and amount of food I would need to eat to lose, then maintain weight, is not how I want to live. If this is what I look like enjoying my life, then I’m ok with it.”

    So What Actually Helps?

    Lifestyle Changes Backed by Research

    Weidner explains, no dietary supplement can do all that they promise. Particularly when it comes back to that diet culture obsession with burning fat.

    I don’t know why people have it in their mind that just taking a single pill is going to melt your belly fat, give you clear skin, make your anxiety go away. That’s just not possible. No supplement whatsoever can burn fat. Why not? Well, because the only way to burn fat is to burn energy – to basically take in less than you put out. You know the saying, ‘calories in, calories out,’ that’s how you burn energy. There’s no fat burning foods. That’s a myth.

    So what does work to help manage perimenopause symptoms?

    Weidner says some basic but effective changes can make a huge difference:

    • Eat a balanced, nutrient-dense diet

    • Get 7–8 hours of sleep (and address any perimenopause symptoms that interfere)

    • Manage stress

    • Move your body regularly—strength training if you can

    • Supplement with Vitamin D and Omega-3s (if needed, and with medical guidance)

    “It’s not flashy,” she says. But it does help.

    She adds that she is also a proponent of hormone therapy “because it is safe and effective for most women. And it’s helped me tremendously.”

    Finding Providers Who Actually Hear You

    Weidner and other women interviewed agree: what matters most is being heard. The right provider can be the difference between years of silent suffering and feeling better within days.

    MHT isn’t for everyone, but for most women, it’s safe, effective, and underutilized. Supplements can help in some cases—but only when paired with expert oversight and realistic expectations.

    The Bottom Line: Women Deserve Better Than Snake Oil

    Women deserve science-backed options, accessible medical care, and respect—not overpriced pills promising miracles and delivering disappointment.

    Aging is not a disease. Weight gain is not failure. Menopause is not a market trend.

    Your body is not broken. It’s changing. And you deserve support that honors that. —Naomi

  • Hailey Bieber’s Rhode Sells to E.l.f. for B

    Hailey Bieber’s Rhode Sells to E.l.f. for $1B


    Cosmetics brand e.l.f. (eyes, lips, face) is acquiring Hailey Bieber’s Rhode, the skin care brand the model and entrepreneur launched in 2022. The deal is worth $1 billion, according to a press release.

    “We can’t wait to bring Rhode to more faces, places, and spaces. From day one, my vision for Rhode has been to make essential skin care and hybrid makeup you can use every day,” Bieber, 28, said in a statement. “Just three years into this journey, our partnership with e.l.f. Beauty marks an incredible opportunity to elevate and accelerate our ability to reach more of our community with even more innovative products and widen our distribution globally.”

    Related: Meet the Dermatologist Behind Rhode, Hailey Bieber’s Hit Skin Care Brand

    Rhode sells a selection of skin care products (toner, moisturizer, lip peptide gloss) with the goal of making “one of everything really good.” She teamed up with BeautyStat entrepreneur and chemist Ron Robinson and dermatologist Dr. Dhaval Bhanusali to help with the formulations.

    “E.l.f. Beauty found a like-minded disruptor in Rhode,” said e.l.f. Chairman and CEO Tarang Amin, in a statement. “Rhode further diversifies our portfolio with a fast-growing brand that makes the best of prestige accessible. We are excited by Rhode’s ability to break beauty barriers, fully aligning with e.l.f. Beauty’s vision to create a different kind of company.”

    “Rhode is a beautiful brand that we believe is ready for rocketship growth,” Amin added.

    Related: Serena Williams Launches a New Company That She’s Been Working on for 6 Years

    Rhode reported $212 million in net sales in the 12 months ended March 31, 2025, and plans to launch in Sephora throughout North America and the U.K. before the end of the year, according to the statement.

    Bieber said she is stepping into an “expanded role of Chief Creative Officer and Head of Innovation.”

    Rhode was the No. 1 skin care brand in Earned Media Value in 2024, representing 367% year-over-year EMV growth, according to the release.

    E.l.f. Cosmetics was founded in 2004 (originally everything was only $1!) and has reported 23 straight quarters of growth.

    The sale has been approved by the e.l.f. Beauty Board of Directors, according to the release.

    Related: Is Selena Gomez the Next Beauty Billionaire? Rare Beauty, Worth Around $2 Billion, Is Reportedly Up for Sale

    Cosmetics brand e.l.f. (eyes, lips, face) is acquiring Hailey Bieber’s Rhode, the skin care brand the model and entrepreneur launched in 2022. The deal is worth $1 billion, according to a press release.

    “We can’t wait to bring Rhode to more faces, places, and spaces. From day one, my vision for Rhode has been to make essential skin care and hybrid makeup you can use every day,” Bieber, 28, said in a statement. “Just three years into this journey, our partnership with e.l.f. Beauty marks an incredible opportunity to elevate and accelerate our ability to reach more of our community with even more innovative products and widen our distribution globally.”

    Related: Meet the Dermatologist Behind Rhode, Hailey Bieber’s Hit Skin Care Brand

    The rest of this article is locked.

    Join Entrepreneur+ today for access.

  • Moisturizing Tallow Lip Balm

    Moisturizing Tallow Lip Balm


    Dry lips are something I think about more in the winter, but they happen in the summer too. Especially when you live in a really hot climate or sweat a lot (like I do). This lip balm recipe features healthy tallow for a natural way to pamper your lips!

    What is Tallow?

    Some of the latest health trends have featured vegan and plant-based ingredients. And while there are some really good plant-based skincare ingredients, animal based ones can be a nutritional powerhouse. If those ingredients come from pasture-raised, free-range, and otherwise healthy animals that is.

    Tallow is making a comeback and getting it’s time in the limelight. This ancient, animal based fat comes from cows, but you can also render fat from pigs (lard), and other animals. Sheep tallow is also supposed to be really good, but I used beef tallow in this lip balm.

    Tallow is naturally high in the fatty acids palmitate, stearate, and oleate. Our skin’s top layers are largely composed of lipids (fats), and this barrier needs to be protected to avoid skin damage. Since tallow is an animal fat it has the unique ability to interact with our skin’s lipids. A meta-analysis also found that tallow may increase the fatty acid composition in our skin, plus it hydrates and moisturizes.

    Altogether this makes tallow a great option for protecting and moisturizing our lips. You can read more about tallow’s benefits here.

    Other Lip Nourishing Ingredients

    Tallow on it’s own will work just fine, but it is temperature sensitive. It also doesn’t travel too well in a lip balm container. I’ve added beeswax to this recipe to add some more firmness and provide even more of a protective barrier on skin. You can make this with half tallow and half beeswax, but I also wanted to add a liquid carrier oil.

    I used apricot oil, but any liquid carrier oil will work. Olive oil, avocado oil, jojoba oil, macadamia nut oil, and sweet almond oil are all good options.

    And lastly, I used some essential oils to give it a nice scent. Be sure to use ones that are safe for lips to avoid any irritation or photosensitivity. The last thing you want is to slather on some lime flavored lip balm before a day at the beach and get a nasty lip sunburn! Here’s a list of some essential oils that are safe to use on the lips (as long as they’re diluted).

    • Sweet orange
    • Lavender
    • Rose
    • Frankincense
    • Grapefruit
    • Patchouli
    • Peppermint
    • Geranium
    • Tangerine

    You can also mix and match to create your own scent! The recommended maximum dilution ratio for lips is often (but not always) 4 to 5 percent. This recipes uses the essential oils at 2%, but you can change the amount (or omit) if desired. You can find high quality essential oils here.

    Moisturizing Tallow Lip Balm

    This lip balm glides on smooth to nourish and hydrate lips. Customize the scent with your favorite essential oils!

    Prep Time3 minutes

    Active Time10 minutes

    Cooling Time1 hour

    Total Time1 hour 13 minutes

    Yield: 1.5 ounces

    Author: Katie Wells

    • Add the beeswax, tallow, and liquid oil into a small glass bowl or the top of a double boiler.

    • Fill the bottom pot with several inches of water and place the bowl or other pot on top.

    • Bring the water to a low boil over medium heat. Stir the ingredients as they melt.

    • Once melted add the essential oil.

    • Immediately pour the mixture into the lip balm containers and let cool until room temperature.

    If your tallow is very soft at room temperature, you may need to add more beeswax to get a firmer consistency.

    How Many Lip Balms Does This Make?

    Typical lip balm tubes hold just a little less than 1 teaspoon. This recipe will fill about 10 lip balm tubes, but you can increase or decrease the amount as desired. I used metal lip slide tins and this recipe yielded 5 of those.

    More Lip Recipes

    If you’re on a roll and feel like making more DIY lip recipes, here are a few of my favorites.

    Are you a lip balm fan? What are some of your favorite flavors or scents to use? Leave a comment and let us know!

  • Meet ‘Tom Braby’ and the weird world of Amazon jersey frames

    Meet ‘Tom Braby’ and the weird world of Amazon jersey frames


    Something incredible crossed my phone the other night while I was doing my nightly ritual of doomscrolling before bed in an eternal addiction to ruin my sleep. It was a jersey frame being sold on Amazon, but not just any jersey frame — it was a frame for the greatest football player of all time. That’s right, Patriots and Buccaneers legend Tom Braby.

    What do you mean you’ve never heard of Tom Braby? It’s Braby. No. 12. In the bottom right you can see him in his iconic Patriots’ jersey.

    And this display even has his highly sought after “Braby” signature.

    Naturally, seeing this absolutely sent me. The only thing I can assume if that these pop-up drop shippers based out of China are utterly terrified about the NFL suing them or being delisted from Amazon. So instead of actual, realistic images of jerseys, we end up with Tom Braby.

    This isn’t a one off either. Amazon is littered with more jersey frames with hilariously fake names.

    Being a Carolina Panthers fan I was extremely stoked to see that the esteemed brand “IHEIPYE” was selling a frame for my favorite player: Future Hall of Fame linebacker Luke Kuechll.

    I know what you’re thinking: Braby and Kuechll are legends, but what about a player who hasn’t retired and is in the league right now? Don’t worry, because while Braby is the GOAT, he could soon be passed by the legend that is Patrick Wahowes.

    The weird thing about Wahowes is no matter how great he is, I can never remember whether he plays for the Los Angeles Chargers or the Detroit Lions. Memory can be funny like that.

    You might not really be a football fan though. It’s okay, because if you prefer watching basketball then Amazon frames have you covered. There is absolutely no better way to display your Chicago Bubls jersey than with a shadow box from “Jinchuan.”

    The Bubls were a huge part of my childhood. Watching Mitchell Jorban soar over the rest of the NBA was an absolute delight, and I’m so glad there’s a way to remember it now.

    These amazing jersey frames are so iconic that you could decorate your entire living space with them. Support your minimalist, workout-focused home decor with a Lakers jersey next to the man, the myth, the legend — Ronald.

    It’s been such an illustrious career than I forget sometimes that Ronald played for Manchester United.

    Ronald’s history is a huge contrast to Messs. Everyone remembers Messs playing for Barcelona.

    It’s just amazing that we live in a world now where you can be sitting at your home one second, staring at your boring, unadorned wall, wondering what you could bring in to jazz up your living space — then with just a couple of Amazon clicks you can find a multi-functional way to hang both your Jordaa jersey and your Jamee one.

    In case you need help finding this specific frame it’s the “Sboitflmm Jersey Frame Display Case – Football Jersey Display Frame – Lockable Jersey Shadow Box with UV Protection Acrylic Door and Hanger for Hockey.”

    Time to spruce up your home with nostalgia, grace, and Tom Braby.

  • Inflation effects & law firm financial management

    Inflation effects & law firm financial management


    In recent years, inflation has put extensive pressure on the legal industry. According to our 2024 Legal Risk Index Report, 50% of attorneys now cite inflation as the biggest danger to their firm’s bottom line. And they’re not wrong. From rising overheads to mounting pressure on pricing, firms are feeling a squeeze that’s not likely to let up anytime soon. As financial pressures mount, strong law firm financial management has become a critical part of running a firm.

    Inflation’s impact on law firms is compounded by several economic factors. Recent tariffs on goods and services make it more expensive to operate and grow. If your law firm is already undergoing tighter margins, these added cost pressures should be addressed.

    In this article, we’ll break down the real ways inflation is affecting law firms today and share practical strategies you can use to maintain profits, stay resilient against inflation, and position your firm for growth.

    How inflation is hitting law firms harder than ever

    Female lawyer talking with male law firm colleagues

    Inflation is reshaping the day-to-day economics of running a law firm. The cost of everyday expenses like rent, salaries, software, and malpractice insurance is climbing. When firms are already balancing high client expectations with tight margins, these increases quickly add up, putting pressure on them.

    Rising operational costs for attorneys

    Unfortunately, many key law firm expenses — office space, insurance premiums, vendor contracts, utilities, etc. — are both non-negotiable and currently increasing. 

    In fact, rising business costs were the most commonly cited financial pain point in our 2024 survey, with 58% of attorneys reporting that they are directly impacting their bottom line.

    Firms that transitioned to hybrid or remote models during the pandemic are experiencing higher demand for more flexible infrastructure. This may include things like shared workspace subscriptions for your staff, cloud-based platforms to improve communication, or upgrades to home office tech.

    Tech investment pressures

    Investing in legal technology has become essential to productivity and client services for law firms. That said, keeping up with the latest changes, even if they do give you a competitive edge, isn’t cheap.

    Inflation has pushed up the price of licenses, subscriptions, and implementation costs. At the same time, the pressure to adopt new tools is growing fast.

    This creates a tricky double bind. Technology enables firms to stay competitive, but the cost of staying ahead of these trends continues to rise. Plus, it can be difficult to establish a clear return on investment (ROI), making it easy for leadership to delay investments that could actually improve margins in the long term.

    Recruiting and retention

    The legal industry is also dealing with significant recruitment and retention challenges. Our report found that:

    • 50% of law firms faced employee retention challenges in 2023
    • 52% of legal professionals are making employee retention and hiring a top priority in 2024

    This talent crunch is exacerbated by shifting work preferences. Many attorneys are seeking flexible work arrangements and a better work-life balance. Firms that fail to adapt to these expectations risk losing top talent to more accommodating competitors or online freelancing platforms like Hire an Esquire.

    Insurance premiums

    Insurance costs are also on the rise, which adds another layer of financial pressure on law firms. For lawyers, insurance is non-negotiable, especially policies like cyber liability and malpractice insurance. 

    Recent data indicates that the industry anticipates premium increases of 10-15% in catastrophe-prone regions, for example. Carriers are also implementing stricter underwriting criteria for cyber coverage in response to escalating threats. ​

    With rising insurance costs, it’s extremely important to take a proactive risk management approach and look for coverage options that align with your firm’s needs.

    Client price sensitivity

    Law firms are certainly not the only businesses that are affected by inflation. Costs have been increasing dramatically across the board. This means that clients — especially any businesses that you represent — are becoming far more cautious about their spending.

    Even long-standing clients are questioning rates, pushing back on billable hours, and asking for more flexible pricing structures.

    This sensitivity is showing up across multiple firm sizes. According to our Legal Risk Index report, nearly 1 in 3 attorneys are facing client pressure to reduce costs. Since clients also face tighter budgets and internal cutbacks, law firms are under pressure to provide more transparency and justify every hour billed.

    If your firm relies heavily on hourly billing, this shift in client expectations can quickly erode your margins.

    The long-term risks of ignoring inflation

    Inflation is not a short-term inconvenience, and treating it as such is a risky move. To keep your law firm in a healthy financial place, plan for sustained economic pressure so that you can mitigate inflationary risks.

    Here are some of the major long-term risks of ignoring inflation:

    Profit margin erosion

    If you choose to absorb rising costs instead of raising rates or reworking pricing models, your profit margins will take a direct hit. Over time, that margin pressure often trickles down to attorneys. They’re then expected to bill more or take on heavier caseloads. In some cases, this delays much-needed hires like paralegals and assistants just to keep revenue stable.

    It’s a short-term fix with long-term consequences. Our report found that 45% of attorneys reported that burnout was affecting performance across their entire firm, and nearly one in three firms expressed concerns about billable expectations leading to employee turnover.

    Missed growth opportunities due to capital constraints

    In order to grow your firm, you’ll need capital. Whether it’s expanding into a new market or launching a practice area, your law firm needs proper cash flow to move forward. But as inflation eats away at profitability, those forward-looking investments tend to be pushed down the priority list (or cut altogether).

    The result? Firms end up stuck in maintenance mode, unable to take advantage of opportunities as they come along. Meanwhile, competitors may be modernizing and expanding while inflation-hit firms fall behind.

    Losing top talent to more financially stable firms

    When margins tighten, compensation freezes, and workloads grow. It’s a familiar pattern, but in today’s market, top legal talent has options. Firms that can’t offer competitive pay, flexibility, or a sustainable work environment risk losing high performers to better-funded competitors.

    In 2024, 52% of attorneys identified talent acquisition and retention as a top priority, with many pointing to financial instability as a key driver of current turnover rates. It’s one of the offshoots of inflation. This impacts your ability to attract and keep the people who power your business.

    Weakened client relationships due to cost-cutting measures

    Clients are currently more price-sensitive, but that doesn’t translate to a willingness to compromise on service. Unfortunately, when firms go too far with budget cuts, the client can experience suffer. Moves such as letting go of support staff, rushing billable work, or delaying investments in client-facing tech all add up over time to the detriment of service quality. 

    And it doesn’t go unnoticed. Our report found that 31% of attorneys said rising client expectations were creating operational strain, particularly around responsiveness and perceived value. Cost control is certainly important, but when it comes at the expense of service quality, it can quickly erode trust and client loyalty.

    Increased risk of a data breach and other exposures 

    Image of hands on a desktop keyboard

    As inflation drives up the cost of data breach response, many law firms are finding themselves underinsured and unprepared. Cyber threats continue to rise, but few firms are adjusting their insurance policies to match the reality of today’s risk environment.

    Our Legal Risk Index found that only 14% of law firms planned to enhance their insurance coverage this year, despite acknowledging increased risk, which is a dangerous mismatch. Failing to update your coverage in line with inflation and threat levels could leave your firm paying significantly more out of pocket if and when a breach occurs.

    Strategies to mitigate inflation and protect your firm’s profitability

    Inflation may be the top concern for law firms in 2024, but it’s not stopping everyone. In fact, 35% of firms are still prioritizing growth despite economic pressures. So, with the right strategy, profitability and resilience can go hand in hand.

    The key is to stop reacting to inflation and start planning proactively. A few smart shifts in your law firm financial management can go a long way. Here are some of our top strategies your firm can implement.

    Rethink pricing models and fee structures

    Rigid hourly billing can quickly become a friction point for budget-minded clients. Forward-thinking firms are getting creative with pricing, both to stay competitive and to align better with client expectations.

    This includes Alternative Fee Arrangements (AFAs) like fixed fees, capped fees, and contingency-based models. Value-based billing, where pricing reflects outcomes rather than the time spent, is also gaining traction in areas such as corporate counsel and M&A support. Another relatively new pricing model is packaged legal services.

    Use technology to boost productivity

    When inflation puts pressure on profitability, squeezing more value out of your legal team’s time becomes essential. But instead of forcing unrealistic expectations, you can use technology to make a real difference. 

    Firms are increasingly investing in tools like document automation, AI-driven research assistants, and workflow management systems to help reduce the amount of time lawyers spend on repetitive or administrative tasks. After all, the ultimate goal for any attorney is to spend as much time as possible on billable hours.

    The goal is to improve output while also supporting a healthier workload and helping your team focus on client-facing work.

    According to the 2024 Legal Risk Index, firms that had already invested in legal tech reported higher profit margins and stronger retention rates, even as operating costs rose. In this way, tech isn’t just a nice-to-have. It’s a strategic lever for productivity and profitability.

    Diversify revenue streams and services

    Relying too heavily on a narrow set of practice areas or billing methods can leave your firm vulnerable when the market shifts. Diversify your revenue streams to open up new opportunities and stabilize revenue during slow periods in your core areas.

    That could mean launching subscription-based legal services for startups. Or you could explore expanding into adjacent practice areas (like compliance or privacy law). Some firms are even creating alternative legal service providers (ALSPs) under their umbrella to attract different client segments and increase profitability without diluting their core brand.

    Improve operational efficiency

    Inflation quickly exposes inefficiencies. If your internal processes are clunky, the impact of rising costs will only be magnified while your margins take the hit.

    Here are a few ways firms are tightening operations without sacrificing quality:

    • Auditing internal workflows to identify bottlenecks or duplicated effort. Many firms find they’re spending far more time on admin than they realized.
    • Outsourcing non-core tasks like bookkeeping, marketing, or document review, where possible, can cut costs while freeing up your team to focus on legal work.
    • Spending time to reevaluate vendor contracts (e.g., legal research platforms, office leases). This can help you uncover where you’re still getting value and where you’re paying for legacy systems you’ve outgrown.

    Improve client communication and relationships

    Two young professional men meeting over coffee

    Let’s say a corporate client calls with concerns about rising legal bills. They’re not threatening to walk, but they’re clearly frustrated. You’ve raised rates to keep up with inflation, but that doesn’t mean the client understands what’s changed. That kind of misalignment is becoming more common and has the potential to seriously erode client trust.

    In the legal industry, it is hard to overstate the importance of communication. It is one of the most overlooked drivers of profitability. When clients understand the value you provide and feel like their concerns are being heard, they’re more likely to stay with your firm, even after a pricing shift. 

    Firms that invest in and prioritize communication are better positioned to retain clients, even in tough economic conditions such as inflation. And in many cases, they’re also uncovering cross-sell opportunities simply by staying closer to their clients’ evolving needs.

    Plan for the unexpected: Financial resilience

    If the past few years have taught us anything, it’s that “business as usual” can change overnight. Inflation is just one pressure point, but it’s a reminder that firms need a plan for financial uncertainty rather than just hoping that things level out.

    Building financial resilience doesn’t mean hoarding cash or slashing budgets across the board. It means taking a deliberate approach to things like:

    • Scenario planning: What happens if your biggest client cuts their legal spend by 30%? Or if your office lease jumps next year?
    • Maintaining a cash buffer: This is not just about weathering dips in revenue, but taking advantage of unexpected growth opportunities.
    • Stress-testing your pricing and cost models: Can your current setup withstand 10% higher overhead next year?

    According to our 2024 Legal Risk Index, firms that reported higher financial preparedness were more likely to prioritize growth, even in the face of inflation. 

    How growth-minded law firms are responding

    Young woman holding a laptop and smiling

    Many firms are embracing smarter processes, sharper positioning, and new models to combat inflation. Below are a few real-life examples of what that looks like.

    Leveraging technology to reduce costs without compromising quality

    AI is changing the way businesses operate, and law firms are no exception. Take Allen & Overy, which rolled out “Harvey,” a custom generative AI tool that 25% of their team of 3,500 lawyers now use daily to speed up contract drafting, research, and multilingual translations. 

    Take advantage of new working norms

    Working from home, either fully remote or in hybrid systems, is quickly becoming standard practice for many organizations now that the technology is available to make it easy. Law firms can take advantage of this to reduce overhead on expenditures like rent. Amidst a legal dispute with a landlord, Crowell & Moring took the opportunity to downsize from its massive 391,000 square foot office to the top five floors of a new development. Now, their staff are coming to the office 2-3 days per week.

    Re-assessing necessary overhead spend like insurance

    A key area law firms can look at to reduce costs without compromising the client experience is insurance. However, when it comes to making a switch, proper coverage in all areas is still essential to mitigate risk. Goldstein Hall worked with Embroker to reduce their insurance premiums by 28% per lawyer.

    Exploring new fee structures and subscription pricing models

    With inflation also affecting clients who may be more inclined to negotiate hours and rates as a result, some law firms are re-examining how they structure their fees. The Prinz Law Office in Silicon Valley introduced tiered flat-fee subscriptions for its startup clients, providing a more predictable cost structure with an add-on menu for more ad-hoc needs.

    Don’t let inflation define your firm’s future

    Inflation may be a top concern for law firms in 2025, but it’s far from unbeatable. With the right strategies, such as clear communication, financial auditing, and the adoption of new technology, your firm can protect its margins and stay relevant in a competitive market. 

    Want more data-driven insights into what your law firms can do to stay ahead? Check out our 2024 Legal Risk Index today.

  • States That Don’t Tax Retirement Income

    States That Don’t Tax Retirement Income


    If you’re considering relocating to a different state when you retire, you might want to think about how your income will be taxed in the state you plan to move to.

    State income taxes can range as high as 13.3% – unless you live in a state that doesn’t tax retirement income. 😊

    Nine states impose no income tax at all.

    If you are a retiree, you can move to any one of those states without concern for the state income tax liability on your retirement income. However, there are many other states that exempt income from specific retirement sources, like Social Security, pensions, military pensions, and distributions from defined contribution retirement plans.

    Read More:

    Table of Contents
    1. 9 States That Don’t Collect Income Tax
    2. 13 States That Don’t Tax Defined Contribution Plan Distributions
      1. What about Roth IRA distributions?
    3. 15 States That Don’t Tax Pension Income
    4. 32 States That Don’t Tax Military Pensions
    5. 37 States That Don’t Tax Social Security Income (Plus The District of Columbia)
    6. Is it Better to Live in a State that Doesn’t Tax Retirement Benefits?

    9 States That Don’t Collect Income Tax

    Nine states currently have no income tax. Since they don’t tax income, that also means they don’t tax retirement income.

    The nine states with no income tax include:

    • Alaska
    • Florida
    • New Hampshire*
    • Nevada
    • South Dakota
    • Tennessee
    • Texas
    • Washington
    • Wyoming

    * New Hampshire had a 3% income tax levied on interest and dividend income received in 2024. However, this tax has been repealed starting January 1st, 2025.

    13 States That Don’t Tax Defined Contribution Plan Distributions

    As is the case with federal income tax, most states tax distributions from defined contribution plans.

    These include traditional, SEP, and SIMPLE IRAs; 401(k), 403(b), 457, and Thrift Savings Plans (TSPs). However, 13 states don’t impose tax on defined contribution plan distributions. (Source: Bankrate)

    Included are the nine “no income tax” states with no income tax, along with these four additional states that don’t tax defined contribution plan distributions:

    • Illinois
    • Iowa
    • Mississippi
    • Pennsylvania

    What about Roth IRA distributions?

    Generally speaking, states follow the same tax treatment with Roth IRA distributions as the IRS. But since each state has its own tax code, you’ll need to check with your tax preparer or tax software program to determine if (and when) Roth IRA distributions can be taken tax-free.

    * Note that in researching for this article, we could not identify a single authoritative source confirming conclusively that Roth IRA distributions can be taken tax-free in all 50 states and the District of Columbia.

    15 States That Don’t Tax Pension Income

    A total of 15 states don’t tax pension income. In addition to the nine states with no income tax, six additional states impose no income tax on pension income (also known as defined benefit retirement plans). (Source: Kiplinger)

    • Alabama
    • Hawaii
    • Illinois
    • Iowa
    • Mississippi
    • Pennsylvania

    32 States That Don’t Tax Military Pensions

    A total of 32 states don’t tax military pensions. In addition to the nine states with no income tax, the following 23 states don’t tax military pensions. (Source: MyArmyBenefits, The official military benefits website of the U.S. Army, Table of 2021 State Taxes and Military Retired Pay):

    • Alabama
    • Arkansas
    • Arizona
    • Connecticut
    • Hawaii
    • Illinois
    • Iowa
    • Kansas
    • Louisiana
    • Maine
    • Massachusetts
    • Michigan
    • Minnesota
    • Mississippi
    • New Jersey
    • New York
    • North Carolina
    • North Dakota
    • Ohio
    • Pennsylvania
    • Utah
    • West Virginia
    • Wisconsin

    The following 16 states provide partial exemption from state income tax on military pensions:

    • Colorado
    • Delaware
    • Georgia
    • Idaho
    • Indiana
    • Kentucky
    • Maryland
    • Missouri
    • Montana
    • Nebraska
    • New Mexico
    • Oklahoma
    • Oregon
    • Rhode Island
    • South Carolina 
    • Virginia

    Only three jurisdictions provide no exemption for military pensions:

    • California
    • The District of Columbia
    • Vermont

    37 States That Don’t Tax Social Security Income (Plus The District of Columbia)

    A total of 37 states, plus the District of Columbia, exempt Social Security benefits from taxation. That includes the following 28 states and the nine that impose no income tax. (Source: The Tax Foundation):

    • Alabama
    • Arizona
    • Arkansas
    • California
    • Delaware
    • District of Columbia
    • Georgia
    • Hawaii
    • Idaho
    • Illinois
    • Indiana
    • Iowa
    • Kentucky
    • Louisiana
    • Maine
    • Maryland
    • Massachusetts
    • Michigan
    • Mississippi
    • New Jersey
    • New York
    • North Carolina
    • Ohio
    • Oklahoma
    • Oregon
    • Pennsylvania
    • South Carolina
    • Virginia
    • Wisconsin

    The remaining 13 states provide partial tax exemption of Social Security income, either based on age or income level or with some other form of modification:

    • Colorado
    • Connecticut
    • Kansas
    • Minnesota
    • Missouri
    • Montana
    • Nebraska
    • New Mexico
    • North Dakota
    • Rhode Island
    • Utah
    • Vermont
    • West Virginia

    Is it Better to Live in a State that Doesn’t Tax Retirement Benefits?

    All things being equal, retirees are financially better off living in states that don’t tax retirement benefits. But as we all know, all things are seldom equal. So while state income taxes are an important consideration, they shouldn’t be the only deciding factor on where you should live out your golden years.

    You must also consider other types of taxes, such as sales and real estate taxes.

    For example, New Hampshire is one of the states with no income tax, but it has some of the highest property taxes in the country. In that case, the benefit of not paying income tax may be offset by higher property taxes.

    Housing prices are another consideration. The state of Washington has no income tax, but the median price of a house is $552,000. The cost of purchasing a home in Washington state could easily cancel out the benefit of tax-free retirement income.

    Insurance is another factor. Florida has no income tax and is a popular destination for retirees. But, the state also has the highest car insurance premiums in the country, at an average of $2,694 per year, and the highest average homeowner’s insurance premiums, at $10,996 per year.

    All of this is to say that while the income tax impact on retirement is important, it’s just one piece of the puzzle. Living in a state that doesn’t tax retirement income is a major plus, but it can be offset by other costs that are not easily avoided.