May 2025
Friends and Clients,
Healthy Wealthy Wise provides applicable and to-the-point info to expand your knowledge on health and finances and inspire your heart and mind. I hope you enjoy it. Thanks for following along!
Jon
Healthy
Exercise “Snacks” Small Movements with Big Results
Exercise snacks are short bursts of movement -like squats, push ups, stair climbs or brisk walks that done throughout the day.
Unlike traditional workouts, they’re designed to break up long periods of sitting and trigger quick metabolic and cardiovascular responses.
The result? Sharper focus, better blood sugar control, and improved overall health. Even if you’re not hitting the gym, they can boast incredible benefits on their own.
How and Why This Works
-
Performing short bursts of bodyweight movements—like 10 squats every 45 minutes—was more effective at lowering post-meal blood glucose than a single 30-minute walk.
Study summary
-
Just three 1-minute stair climbs per day improved cardiovascular health in sedentary adults after only 6 weeks.
Link to study
-
A 12-week trial showed that exercise “snacks” (like stair climbing) four times per week significantly reduced visceral fat and improved metabolic markers in obese adults. RCT - PubMed, 2024
Here’s a simple way to get this in!
Set a timer or reminder on your phone to do 10 bodyweight squats every hour during your workday. That’s it. No gym, no gear. Just consistency. Over time, the benefits stack up.
I need this too! Let’s be accountability buddies - shoot me a message and let me know if you’re doing your “exercise snacks” of if you see results!
Wealthy
What could be the single greatest risk to your retirement savings and what to do about it.
Assisted living or Nursing home expenses can significantly impact retirement savings, often catching people off guard. Getting your mind around the reality of the costs and planning far in advance (even decades) is crucial to ensure financial stability in later years. While you may not incur these costs until very late in life, they are best addressed when you’re in your 50s or 60s.
To find out if you are prepared or consider ways to insure against these costs. Please reply to this email. We offer complimentary consultations.
The Reality of Assisted Living Costs
70% of people today will require assisted living or nursing home stays within their lifetimes.
-
As of 2025, the median monthly cost for assisted living in the U.S. is approximately $6,077, equating to over $72,900 annually.
-
With an average annual increase of 3.6%, costs are expected to rise to about $7,776 per month by 2040.
Source
-
The average stay in assisted living is 22 to 28 months, totaling between $134,000 and $170,000 at current rates.
Senior Services of America
MyLifeSite
-
Approximately 70% of assisted living residents are women, reflecting longer life expectancies and a higher likelihood of requiring long-term care.
Source
Strategies to Protect Your Retirement Funds
-
Premiums average $2,585 for men and $4,400 for women annually.
Schwab
-
Tax-advantaged savings for qualified medical expenses, including some long-term care. Fidelity
-
Medicare doesn’t cover long-term care; Medicaid might—but planning is essential because they will make you spend down assets of your own before covering it. National Institute on Aging
-
Some life policies offer long-term care access through a rider.
SF Gate
-
For those with sufficient assets, dedicating savings for care is an option.
If you’re approaching retirement or in retirement and haven’t addressed this issue, please reach out to us for a consultation.
Wise
Parenting Is a Mirror—Not a Megaphone
Positive Parenting Solutions: is a research-based program rooted in Adlerian family psychology that gives parents a game plan to lead with calm, consistency, and connection. I can’t begin to explain how helpful this program was for our family and myself.
Before I dive in I want to say this, and don’t go on if you’re not willing to accept it:
Positive Parenting Solutions is a research-based program rooted in Adlerian family psychology that gives parents a game plan to lead with calm, consistency, and connection. I can’t begin to explain how helpful this program was for our family and me.
Before I dive in, I want to say this, and don’t go on if you’re not willing to accept it:
1. You’re going to have to do the work first
2. You’re causing most of the problems
You’re not going to be making your kid do the changing. They’ll only change after you do. You’ll need to model the behavior and responses you want to see if you want real change to take hold.
Forcing a child to change their behavior doesn’t address the root cause of the problem. And it’s not likely to create lasting changes in them. Oftentimes, the solution is found in addressing an unmet need or a way that the parent is handling the situation.
If you are willing to listen, the program will address some very simple and understandable issues that cause the struggles between you and your children.
My Story
Once the newborn days passed and we moved into the phase of raising a toddler, a different kind of fatigue emerged. One that was more emotional and mental. It stemmed from constantly being caught off guard by reactions, tantrums or a new emerging personality traits that I didn’t know how to handle.
I was improvising constantly. And it wasn’t working. Not for me, not for my kids, and not for my wife. Even when we got through something, it didn’t feel like a win because each new “solution” came with tradeoffs. I wasn't sure if any short term relief wasn’t causing long term harm. I knew consistency was important, but what to do consistently was in question.
My beautiful kid is growing and learning and doing cute things, but I was not enjoying being a parent and that made me feel really guilty. I desperately wanted to enjoy this monumental part of my life, but I wasn't.
So I looked for help. Counseling was an option but it was too expensive and slow. However when I found and started this program it helped us tremendously.
Here's what it gave me:
A framework to understand why the issues were happening in the first place.
Specific tactics I could use in the moment—sometimes that meant action, and sometimes that meant no action at all.
A sense of peace that I didn’t have to figure everything out on the fly. If I followed the process, it would work. If you’re open to coaching and a willing student, the world and its answers will open itself up to you.
It helped me and my wife align. We had different upbringings and different instincts, and often found ourselves at odds. This gave us a common strategy and took the emotion out of whose method was “right.”
Most of all, it gave me confidence that we were building a better home environment for the long term.
We don’t do it perfectly. We fall off and forget things at times. But some of it has stuck and it’s become part of our home and how we parent. It’s a few hundred bucks and you do it at your own pace. I promise it’s worth every dollar and minute you spend on it.
How to implement
Pick one night a week. Work through one section. Post notes around your house to keep it top of mind. Like exercise or diet or anything worth building it’s about habits, there are NO hacks. If you do the work and keep at it, you’ll see real change in your kids, in your family, and most importantly, in yourself.
I’d love to know if you do it and if you see any results. Please let me know & keep me posted!
