4 Steps To Improve Your Financial Wellness
The Other Form of Self-Care: 4 Steps To Improve Your Financial Wellness
Gabrielle Olya Wed, November 3, 2021,
A recent Ellevest study found that financial stress is actually making women sick. Nearly half of women (49%) say that money stress has affected their mental and emotional health, and nearly 40% have become physically ill due to money stress. That’s why it’s so important to practice financial self-care. To find out how to actually do this, we spoke with Kerry Keihn, financial advisor and director of operations of Earth Equity Advisors. Here’s what she recommends for improving your financial wellness.
The most important thing to know is that you are not alone in your struggle to understand your finances. It has nothing to do with your intelligence — the financial industry has basically crafted its own language to make things more difficult to understand.
If you like to handle your finances yourself, there are a growing number of resources that help make it easier. Don’t burn yourself out trying to decipher financial jargon when you can go to sources like Investopedia or GOBankingRates. These resources have different articles and calculators to help guide you through anything from what is the best credit card for your needs to whether or not it makes sense to refinance (and what refinancing means). Your local cooperative extension office may also offer free or low-cost financial education courses, which can be very helpful.
If you are working with a financial professional and they are not making things clearer for you, it’s probably time to find a new advisor. Look for someone whose values align with yours and who speaks clearly and transparently, so you don’t leave your conversations with them feeling more confused than when you started.
Another important step is setting yourself up for financial success. This can greatly help alleviate worries. What are some ways to do this?
When it comes to setting yourself up for success, one of the most helpful things is to know what you’re spending versus what you’re earning. While you can make your own budget in a spreadsheet or on a piece of paper, there are a lot of free budgeting tools available, like Mint, which can automatically categorize your spending and draft a budget for you to adjust. For most of us, there are so many expenses, it can be incredibly difficult to mentally track all of them, which can lead to feelings of anxiety and stress.
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Reset Intelligence: Who Holds the Clock.
By Reset Intelligence | @EXIT_FIAT
Iraq's 2027 budget reached the cabinet today, exactly on schedule. The same day, the prime minister was in Paris with Edouard de Rothschild of Rothschild and Co, talking credit ratings and international banks.
Parliament gets the budget on October 15. For the first time, Baghdad has printed the width of the gap between the draft and the vote. The 2023 record says that gap is where Iraq's rate decisions actually live.
Stephanie Starr: If Congress Advances this
9-15-2026
If Congress advances this, the United States is formally acknowledging Bitcoin as a strategic national asset — something potentially worth holding on the federal balance sheet rather than automatically selling.
Why that matters? Protects U.S. exposure to a scarce digital asset. Strengthens America’s position in the global digital-asset economy. Signals that crypto is becoming part of mainstream financial policy. Encourages long-term regulatory and institutional certainty. Forces other nations to think seriously about their own digital-asset reserves. Moves the conversation from “Should crypto exist?” to “How does America compete?”
Good Morning Dinar Recaps,
GLOBAL BOND WARNING: U.S. TREASURY YIELDS BREAK ABOVE 5% AS OIL SHOCK AND FED RATE FEARS DEEPEN
U.S. Treasury yields have broken above the critical 5% level as surging oil prices, renewed inflation concerns, heavy government borrowing and expectations for another Federal Reserve rate hike intensify pressure across global bond markets.
MilitiaMan & Crew: The Reality of the Iraqi Dinar: Daily Analysis and Updates
9-14-2026
The Crew: Samson, PompeyPeter, Petra, Daytrader, Sunkissed, GIGI and Militia Man
No drama. No intrigue. No songs and dances. Just straight, factual news that I read and interpret to the best of my ability after being an avid Dinar investor and insanely obsessed Dinarian for over 15 years.
Follow MM on X == https://x.com/Slashn
KTFA
Monday Night Video
FRANK26…9-14-26…..RIDE THE WHALESHARK
This video is in Frank’s and his team’s opinion only
Frank’s team is Walkingstick, Eddie and Omar in Iraq and guests
Playback Number: 605-313-5163 PIN: 156996#
The Central Bank Of Iraq Is Taking Steps To Reduce The Dollar Gap; A Unified Exchange Rate For Currency Exchange Offices Is Approaching 1320
Last updated: September 14, 2026 Independent/- Informed sources revealed to the Independent Press Agency new moves within the Central Bank of Iraq aimed at reducing the large gap between the official exchange rate of the dollar and the prices circulating in the local market, through a package of measures being worked on to regulate the sale of foreign currency and tighten control over exchange companies, in conjunction with the continued rise of the dollar in Baghdad and other governorates.
25 Years Later— A Reminder That The World Can Change In An Instant
Notes From the Field By James Hickman (Simon Black / Sovereign Man) September 11, 2026
At a time in my life which now seems centuries ago, I was once a young lieutenant, barely a year out of West Point, and I had recently been assigned to lead an electronic warfare platoon.
Whenever my unit wasn't deployed or in the field, most of my duty days were spent in a top-secret facility called a SCIF— the kind of place that was guarded by military police and didn't have any windows.
Rob Cunningham: A Marriage Between the US Treasury and Ripple
9-14-2026
A Treasury + Ripple Marriage?
• XRPL as the neutral public road
• UST Validator Node as Treasury’s vehicle
• USTD as Treasury-owned dollar
Ariel: Foreign Currency Holders, this is Connected to Tokenized Assets
9-14-2026
Foreign Currency Holders: This Is Connected To Tokenized Assets
You Definitely Want To Hear This
The Central Bank of Iraq has advanced initiatives toward establishing an official state-backed digital currency framework.
Good Afternoon Dinar Recaps,
CLARITY ACT BREAKTHROUGH: ETHICS DEAL CLEARS PATH TO SENATE VOTE AS DIGITAL ASSET RULES TAKE CENTER STAGE
New ethics provisions and 126 substantive changes have produced a revised CLARITY Act ahead of Tuesday's Senate vote, potentially moving the United States closer to a comprehensive regulatory framework for digital assets, crypto markets and stablecoins.
Oil breaks $107 mark amid growing supply fears
2026-09-14 01:14 Shafaq News Oil prices rose more than 3% on Monday, after new Houthi strikes on Saudi Arabia and Iranian attacks on ships in the Gulf compounded supply concerns following the closure of a key Saudi oil pipeline.
Emailed to Recaps~ Thank you David
Reset Intelligence Daily - The Budget, the Bill, and the Fed
9-14-2026
Reset Intelligence: The Budget, the Bill, and the Fed.
By Reset Intelligence | @EXIT_FIAT
For 2 decades the dinar's price has had one author. This week, three hands are on it at once.
Ariel: THE SEQUENCING - WHY ORDER MATTERS 9/12/26
VIII. THE SEQUENCING — WHY ORDER MATTERS
The CLARITY Act must pass before the Dinar revalues. Here's the mechanical reason:
1. CLARITY Act passes → digital tokens backed by sovereign currencies become legally recognized settlement instruments under US law.
2. SEC issues no-action letters → exchanges can list the revalued Dinar token without securities law exposure.
TNT:
Tishwash: US Chargé d'Affaires: Al-Zaidi's visit to Washington opened new horizons for the Iraqi-American partnership
The US Chargé d'Affaires in Iraq, Steven Fagin, affirmed on Saturday that Prime Minister Ali Faleh al-Zaidi's visit to Washington opened new horizons for the Iraqi-American partnership.
Fagin stated in a statement received by the Iraqi News Agency (INA) that "relations between Baghdad and Washington are on the cusp of significant development," noting "a shared commitment to strengthening the economic partnership and expanding opportunities for cooperation between the two countries."
MilitiaMan & Crew: The Sunday Night Breakdown: Patreon, Discord, and What’s Next
9-13-2026
The Crew: Samson, PompeyPeter, Petra, Daytrader, Sunkissed, GIGI and Militia Man
No drama. No intrigue. No songs and dances. Just straight, factual news that I read and interpret to the best of my ability after being an avid Dinar investor and insanely obsessed Dinarian for over 15 years.
Follow MM on X == https://x.com/Slashn
Good Morning Dinar Recaps,
FED RATE HIKE WARNING: OIL SHOCK AND INFLATION PUSH U.S. MONETARY POLICY INTO A NEW PHASE
With oil prices surging above $108 and inflation remaining stubbornly elevated, expectations for a Federal Reserve rate increase this week are reshaping the outlook for U.S. monetary policy, bond yields, debt costs and the dollar.
PM Al-Zaidi Europe Trip Targets Energy, Investment
2026-09-13 / 05:47 Shafaq News- Baghdad Iraqi Prime Minister Ali Al-Zaidi’s European tour is aimed at attracting investment and opening new channels for the country’s economy, Mohammed Al-Baldawi, spokesperson for the Sadiqoon parliamentary bloc, the political wing of Asaib Ahl Al-Haq, told Shafaq News on Sunday.
KTFA
Sunday Night Video
FRANK26….9-13-26…..Z &T
This video is in Frank’s and his team’s opinion only
Frank’s team is Walkingstick, Eddie and Omar in Iraq and guests
Playback Number: 605-313-5163 PIN: 156996#
Ariel: This is an Extreme Wait and See Game
9-14-2026
Many Wanted Me To Comment On This: Here Is My Deal
What we know is that the CBI’s digital currency framework is designed to maintain 1:1 parity between paper IQD and dIQD. The permissioned ledger running through Trade Bank of Iraq, Rafidain, and Rasheed ensures the digital representation mirrors the physical currency’s value.
If the CBI sets the post-RV rate at $3.22, then: