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Your 3 Tools for Financial Wellness

Your 3 Tools for Financial Wellness

By TheBudgetnista -  Tags: , , , , , , ,


This is a sponsored post written in partnership with Prudential. All opinions expressed in this post are based on my personal view.


Hey, how are you doing? We hear that question day after day, but most of us never answer truthfully.

My go-to answer is, “fine, how about you?” I’m guessing yours is similar.

Today I want us to REALLY explore how we are doing financially and otherwise.

I’ve been thinking a lot about my finances holistically. I’ve been asking myself, what does it truly take to Live Richer? What does financial wellness mean and look like in action?


As I took a deeper dive into those questions, I found The Financial Wellness Census. The survey of more than 3,000 U.S. adults between the ages of 25 and 70 asks about their financial experience and breaks down the data by gender, race, education level and employment status. You can discover more from this survey here.

Some things that stood out to me were that more women in America are becoming primary financial decision makers, having to plan for their financial future more than ever before.

  • With that, 57% of women feel hopeless when it comes to their financial situation.


According to the study, there is a confidence gap. Women across the board see themselves as being less on track to meet their financial goals than men, regardless of where they stand objectively.

To be honest these results reflect how I feel.


I make more than my husband and make many, if not most of the financial decisions in our household. Despite being a financial educator for more than eight years, I still sometimes feel less than confident about the choices I make for my family.

What if I mess up? What if there is a better choice? What if I accidentally put my family in harm's way?


My sense of financial insecurity can be traced back to the Recession. Before the Recession, I was “financially perfect.” I owned a condo, was contributing to my retirement, I was saving regularly, I lived below my means, had an 800+ credit score and a job I enjoyed (school teacher).


Post Recession, all of that was gone. Within a few years, I lost my job, my home, my savings, my retirement, and my confidence.

The trauma of that time period still haunts me. That’s why I was so excited to see that Prudential was focusing in on financial wellness because it’s more than money, it’s a way of life.


What is financial wellness?


  • Financial wellness means maintaining financial stability today while having the knowledge and confidence to do what you want tomorrow.
  • Financial wellness is an ongoing process of achieving and maintaining balance to ensure we are equipped to handle whatever life may throw our way.

Everyone’s journey to financial wellness is personal. Your relationship with money impacts your physical health, your stress levels and state of mind, your family and even your performance at work.

Just like getting physically healthy, there is no magic number that works for everyone. Financial wellness is about training ourselves to build good money habits that we can practice in support of our own personal goals and dreams.

Financial wellness has the capacity to and in fact, should impact our lives as a whole.


Me on my way to Prudential's Financial Wellness Event Launch


I recently attended Prudential’s Financial Wellness launch event and it was pretty awesome. I’ve never attended an event were participants openly discussed their financial misgivings during dinner!

My favorite conversation was with a young woman that I was seated next to. She shared that although her mother desired to get on financial track, fear of trusting someone to help her, and her lack of knowledge was holding her back.

She shared that her mother recently discovered some of my free, financial tools and was taking the steps toward a stronger financial life. I was excited that women of all ages were open to tackling their financial health.


Here are the three tools I shared with her, that can hopefully help you, knowledge, access & community.


Knowledge: When you know better, you do better. Educating your financial self is the first step toward financial wellness. A good first step is taking this three-minute Financial Wellness assessment from Prudential, which you can take here.


Access: Truthfully, knowledge can only take you so far. Don’t be afraid to ask for help. We all need folks to help open the doors feel closed to us. The right experts on your “money team,” can provide that access.


Community: I find that women especially, work best in concert with other women. Surround yourself with others that are on their financial journey toward wellness as well. Doing so will help to normalize the ups and downs you’ll experience. “If you want to go fast, go alone. If you want to go far, go together.”


What steps will you take to a holistic financial life? What does financial wellness look like for you? Share in the comments below

I'm working on my finances holistically thanks to these 3 tools and @Prudential ! #financialwellness #morethanmoney Click To Tweet

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Tiffany “The Budgetnista” Aliche is quickly becoming America's favorite, personal financial educator. The Budgetnista is also an Amazon #1 best selling author (The One Week Budget and Live Richer Challenge), sought-after speaker and teacher of financial empowerment.
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