Do you have a financial self-care routine?
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This episode of Life Kit explores the concept of financial self-care, framing money management as a holistic practice similar to physical health routines. Host Mariel Segarra walks listeners through a calendar-based approach to financial wellness, organizing tasks by frequency—annual, quarterly, monthly, and daily. Key annual activities include reviewing tax withholdings, updating insurance and retirement plans, checking credit reports, and setting meaningful financial goals that align with personal values rather than just numbers. Monthly tasks focus on bill payment, fraud monitoring, budgeting, and reflecting on career progress and self-care. Daily habits emphasize mindfulness around spending, journaling, and using affirmations to combat money-related stress. The episode stresses that financial decision-making requires mental and emotional bandwidth, making self-care essential to long-term financial success. Experts like financial planner Brent Weiss and money coach Soledad Fernandez Paulino share practical tools such as the 'Bragg Bank' for career documentation and thought work to reframe limiting beliefs about money.
Set annual financial goals by envisioning a 'wildly successful' life without mentioning money—focus on values like freedom, security, or adventure.
Check your credit report annually from each of the three bureaus (Equifax, TransUnion, Experian) via annualcreditreport.com, and review for errors.
Review investment accounts annually: compare returns to the S&P 500, rebalance portfolios, and prioritize low expense ratios (ideally under 0.15%).
Maintain a 10–25% buffer in your checking account to avoid overdraft fees and ensure financial stability.
Use daily reflection and affirmations to reduce money anxiety and align spending with personal values.
…and 3 more takeaways available in PodZeus
Introducing Financial Self-Care
“The overwhelmed, overstimulated, exhausted brain cannot engage in financial planning.”
Annual Financial Goals: Vision Over Numbers
“You can't mention money. Because money really is a means to an end.”
Annual Financial Maintenance: Taxes, Insurance & Credit
The episode outlines key annual tasks: reviewing tax withholdings, updating health and retirement plans during open enrollment, checking credit reports from all three bureaus, and auditing subscriptions and employer benefits.
Investment Review & Portfolio Health
“If your investments are doing about the same as the S&P 500, Soledad says you're probably in a good position.”
Monthly Financial Housekeeping & Self-Care
Monthly tasks include paying bills on time, maintaining a checking account buffer, monitoring for fraud, tracking financial goals, and reflecting on career progress and personal well-being.
“You can't mention money. Because money really is a means to an end.”
“When I take really good care of myself, I make really good money.”
“The overwhelmed, overstimulated, exhausted brain cannot engage in financial planning.”
Host
Guests
Life Kit
media
Mariel Segarra
person
Rita Soledad Fernandez Paulino
person
Brent Weiss
person
IRS
organization
S&P 500
other
NPR
organization
TransUnion
organization
Experian
organization
annualcreditreport.com
product
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