Money Karma 50-30-20

 

One of the most common resolutions is “save money”, “learn to budget”, and “invest in retirement”.

There is more than hundreds of books on the topic of financial planning, excel spreadsheet, and different mobile apps that can help you budget, save, and invest.

We all know why it is important to budget, save, and invest in our retirement, but in the US, more than 50% of the American have less than $1000 in their emergency funds.  So, if we are one of the most educated countries in the world, how come we don’t know that $1000 is just not enough.  We should aim at incurring an emergency fund that is worth 9 months of monthly payments in case of medical care, layout, or anything that is consider ’emergency’. But going on vacation, buying gifts for holidays, and shopping for the 10th pair of shoes do not constitute as ’emergency’.

It is the mindset and the framing.  We all know that ‘what to do’, but we don’t now the ‘how to’.

I believe in the KISS Method (KISS stands for Keep it simple, stupid) BUT I am going to think positive and call my KISS method as Keep it simple and sane !

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It is based on Elizabeth Warren’s work  50/30/20 Rule.  

Where 50% of your monthly salary go to ‘MUST HAVE’ that are essential for your basic survival (rent/mortgage, food, transportation, basic clothing, reasonable living condition).

Where 30% goes toward your “WANTS” such as the entertainment, shopping, dining out, and your desire.

Where 20% goes toward your “SAVING” – where 10% goes to your emergency fund and 10% goes to your investment fund.

 

Here is my own twist to the 50-30-20 rule:

I believe we can reduce our ‘wants’ from 30% to 20% by being creative in how we use our money and see buy things we want.  To help growth our nest eggs, it is important to add more to your investment and emergency funds from 20% to 30%, especially for folks who are starting late in their investments.

As long as you remember to KISS your budgeting,  saving, and investing, you are on your way in bringing money karma toward yourself.  When you take care of your money, the universe will take care of you.  

 

Reorganize Your Brain for Healthy You

How to boost your brain power for a healthy, younger you?

Organize your life, reorganize your brain.  The brain continuously make new neural connection throughout your human life.  Your brain cells can regenerate itself, adjust to new situation (learning), or new environment. Your brain is like your own superhero – can only go to your rescue if the brain has fuel, nutrients, and the roadmap for a healthy you! This process is called ‘neuroplasticity.’

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Why is it important to keep our brain with energy? With the right food, healthy lifestyle choices, and attitude, you can increase neuroplasticity.  The brain continually adjusts and reorganizes, and this brain activity promotes brain reorganization.

Practice a particular movement over and over again to help the brain to form and strengthen connections for movement.  Timing is important. When an area of the brain does not practice movement, the surrounding area are starved for stimulation and thus, unable to connect, (even if the neutron cells are regenerated).

Five ways to boost brain power: 

  1. Focus on the new exercise. (Turning on Changes)
  2. Be engaged in practicing exercises. (Strengthen neural connection)
  3. Learning helps the brain to stable and reduce ‘noise (positive reinforcement)
  4. Repetition is key. Initial change is temporary (fast brain system 1 and slow brain system 2 negotiation)
  5. Brain is changed by internal mental rehearsal which will translate naturally to external performance.  (Fake it till you believe it)

Brain plasticity is two-way street: negative vs positive change have equal chances. 

The Secret Life of the Zodiac Animals

Happy Chinese Year 2017! It’s the Year of Chicken!

May the Rooster Wake Us Up to a New Era of Healthier, Happier, and  More Zen You ! On January 27,2017 (the eve of the new lunar year), I prepared a deep cleansing inside-out, sideway, and upside down throughout my home, and then I am reminded of how traditions and culture can shape our world and mindset.

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After the shenanigans of the the past Monkey year (2016), this new year of the rooster will hopefully bring fresh optimism, yet requiring us to think quickly with wit on the new challenges in the upcoming year. I better gain some street smart to create new practical solutions or dodge any curve balls.

Just fun, I reviewed one of my new favorite horoscope books “The Secret Life of the 12 Chinese Zodiac Animals”.: rabbit, tiger, rooster, dragon, snake, rat, pig, ram, monkey, dog, ox, and horse.  While I wonder the truth and the science of personality types based on your birth year, it is, nonetheless, entertaining.

So, the next time, I feel an instinct connection with someone (or not), it is probably not really me, or them; instead, it is our zodiac.

This year is also the beginning of a new presidential administration and we will have so many surprises awaiting for us.  As many public heath programs live and breathe with federal funds, we hope the traditions of bringing social change through grass roots, with a sense of community, and optimism will continue to drive our work forward and toward a brighter world.

 

Manage Your Health, Manage Your worth.

In the US, about 60% of bankruptcy is related to some type of health issues – expensive medical care, long-term care, and medication.  More than $80,000,000,000 (that’s $80 billions) spend on medical cost due to inactivity (so start moving today!) and 75% of this amount (which is $61.5 billions) is spent on medical care on treating preventable condition (See CDC facts below). Think of what we can do with that money (better schools, better roads, housing … etc).

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Most of these issues are preventable. Here are the most leading causes of preventable health issues:

Based on the CDC, the top six health threats in the US: 

1. Heart disease

2. Cancer (lung, skin, prostate, and colon)

3. Automobile accidents

4. Chronic lower respiratory tract diseases

5. Stroke

6. Type II Diabetes

Change your lifestyle, change your health outcome.  Seven out of 10 causes of death can be reduced by positive change in exercise, diet, smoking and alcohol use.

Common Preventable Measures: don’t smoke, eat healthy diet, limit alcohol consumption, exercise regularly, healthy weight, manage stress, manage chronic conditions (blood pressure, cholesterol, diabetes), healthy hygiene (washing hands and annual physical exam).

Most of these preventable measures are inexpensive activity to do so you can save $$$ down stream.  

 

Self-Care is the Best Gift You Give to Others.

As the holidays are approaching, we get so swamped with the pressure of getting everything right and perfect (i.e. shopping for the right gift, preparing the right dinner, and getting everything done right before we head out for holidays…), we lose sight of the true meaning behind it all.

When you take care of yourself, you have the space, time, and understanding of what it means to take care of others. If you get too tired, too stressed, and too frustrated (especially in the holidays), you are not your optimal self to take care of others. Soon, your ‘caregiving/caretaking’ may become resentful.

Thus, self-care is a vital gift, almost like the air you breathe, you give to yourself and to others.

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Here are three “Rs” to Self-Care: Use (or try to use) time to reflect, rejoice and relax.  

Reflect. As the year 2016 is coming to a close, it is a good time to reflect on what you’ve done and what you look forward to the new year 2017. What worked, what didn’t, and what could have been better and what are some things that just wouldn’t have mattered … Systematic reflection is a healthy way to grow independently and creatively.  You know yourself the best and you will be spending the most time (pretty much, the entire time, unless you were in a coma and had forgotten your own existence) with yourself than with anyone else – so get to know yourself better.

Rejoice.  Take time to enjoy your wins – big or small. Enjoy your health, your body, your mind, and your breath.  Sometimes, we compare ourselves to others as a measuring stick to improve ourselves. Instead, take a close look at your presence moment, and observe all of your ‘presents’. Thank you for the legs that get me out of bed so I can walk. Thank you for my eyes to see this beautiful morning. Thank you for families and friends in my life that are reflection of my inner world.  Thank you, Life.

Relax.  It is sometimes difficult to have time for oneself while our society has marketed these holidays as a time to ‘buy, buy, buy’… It is hard to even enjoy shopping for loved ones when there is time pressure, financial pressure, and people pressure (you know, the folks who kill for that parking space!). Remember to carve time for self-care in micro moments. Yes, it is possible.

Here are some micro moments of relaxation: 

  1. While you wait for the long line to pay for gifts during this crazy shopping season, listen to the favorite ebook/audio tape. You’re already in line, so the probability of bumping into anyone or getting yourself in trouble is very low. You just need to keep your eyes alert to move forward. You can block out the noise and enjoy these few minutes of silence with your favorite ebook, podcasts, and even music.
  2. Sleep 15 minutes earlier and get up 15 minutes earlier, and enjoy this quiet moment for yourself.  I meditate everyday, even if it is just one-minute meditation. Set your timer for one minute and close your eyes. Envision how your morning will be – peaceful. Then, let all thoughts (negative thoughts especially) float away from your mind. Find comfort in this space that you have claimed as yours.
  3. While you eat your meal, take the time to really enjoy your meal with all your five senses. No one can take this moment from you.  This is called mindful eating. Listen to the sound of the chewing, observe the colors of the food on your plate, and take a deep sniff of the aroma from your food.  Then, if you have any leftover from your plate, be a kid or baby again – touch your food, look at it, and feel the texture of the food.  Revisit your childlike wonders.

Self-care is vital to your health and well-beings of others. When you are well-taken of, you have the energy, capacity, and the desire to care and plus, you’ll be a more pleasant person to be cared for.

Don’t let your inner critic get the best of you.

Acceptance is an art of living.  

When we look out the window, our view of the outside is really depended on where we are standing from. Have you tried looking through a window that was too high, too low, or simply too narrow and it was challenging? Did you give up or tried another way to see through?

When we become critical of others, it is really an alert to ourselves that we are reacting to something within ourselves.  The person, situation(s), or thing in the outside world triggering our inner critic to uprise is an innocent bystander.  It is simply that we are not seeing clearly because the lens (windows) through our eyes are cloudy and dirty.  

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A funny story that my friend shared with me, which highlights that our inner critic can sometimes get the best of us.

A woman looks outside her window and complains at the neighbor’s dirty clothes. She is outrage and tells her husband that she feels that she needs to tell the neighbor off, and tell her neighbor how to wash the clothes, and how her washing is way better.  Her husband sits there and listens to his wife.  The next day, the woman looks at the window and said with surprise that her neighbor clothes are finally clean and she smiles with gladness.  

She said to her husband, “look outside the window, you can see that her clothes are so clean!”

Her husband said “Yes, I know.”

“How do you know?” said the wife.

Her husband said, “OH this morning, I cleaned our windows.”

The moral of the story:

When we point our finger out to someone or something, remember, there are three fingers (and a thumb) pointing back at you.  We must also clean our windows, so we can view the outside world with clear visions. This way, our “stuff” would not cloud our judgment. When we are highly critical of others, we are really reflecting our weakness and criticism.  As the saying goes, “It takes one to know one.”  

If we learn to love all of us, accept all of us – the good, bad, and the ugly – as a whole, we would more willing to sprinkle some grace on others as they have undone to us.  

3 Ways to Keep the Weight Off for the Holiday Feasts

The months of November and December is packed with holidays to celebrate with families, friends, and food (yummy food). During these holidays, the waistline of many also expands (expectedly, and unexpectedly by how much). However, there are ways to reduce the ‘damages’, and still enjoy the holidays.

How do you prepare yourself (and your waistline) for the holidays? It’s all about perspective. Don’t look at the food as filling up your body; instead, use the food to fulfill your other senses.  
The core stems from mindfulness in three dimensions of health: physical, emotional, and social well-being.

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1. Physical Mindfulness. The jury is still out whether calorie counting really works, or the Paleo diet, or the plant-based diet … etc. Regardless of the type of dieting planning you are on, the best ‘diet’ is a non-diet plan, right?  What if you can continue your eating plan, but add a dimension of physical fitness now (in preparation of the holiday feasts), in incremental installment. This act will prepare the body to burn the extra calorie and increase your metabolism rate. When preparing your coffee, can you squeeze in jumping jack for 5 minutes, a few push-up, or Abs crunches.  Or before you get into the shower, do a 5 minutes yoga stretch in bed. As the turkey is baking in the oven, can you make it a game with your family to see how many squats you can do before the timer goes off?
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2. Emotional Mindfulness. When you are eating, do you notice the sounds and the texture of the food as you chew. Often time, the taste of the food overpowers our senses, and because of the ‘additive’ ingredients in the food, we ignore the ‘full’ signal in our stomach.  By enjoying the ‘sounds’ and ‘texture’ of the food, you will become mindful in your action. Naturally, your attention to the other sense (beside taste) will become ‘full’, and you will automatically want to eat less.  Your mind is connected to your stomach.  Try it, it works ! When the holiday feasts start, you won’t be tempted to pack your plate with food, instead, you will be focused on enjoying the ‘music of your food’.

3. Social Mindfulness.
 I agree, the food during the holidays are sometimes extra special and extra delicious. Instead of packing on the calorie at the dinner plate, use the time to enjoy the conversations among families and friends. When you are busy socializing and listening to you other’s life stories, you mind and heart will become ‘full’, before your stomach notices.  You’re be too busy filing your mind and heart with good ‘soul food’ to notice that you didn’t get the second plate of turkey meat !

Use these 3 ways to become ‘full’ beyond your tummy’s desires: physical, emotional, and social mindfulness through the holidays will keep your waist line in check.  

The Era of Resilience: Are You An Adaptive Leader?

Today is Veteran’s Day, which is often overshadowed by the commercial departmental veteran’s special clearance/Big Deals/Early Bird Black Fridays Sales, or the extra day-off of work; but today, I reflected on my time when I was working for the Massachusetts Veterans Affairs (VA) Department, where I ran studies on evaluating HIV testing and Hepatitis C treatment programs for veterans. I am reminded of the resilience in our veterans and personnel who are currently serving the country domestically and abroad. In the face of constant changes in the landscape, players, and rules in the game, I am in awe in how people can work, live, and evolve during these adaptive challenges in all fields of life.

In the Doctor of Public Health (DrPH) in Leadership program, we teach students on the topics of systems thinking, systematic reflection, and adaptive leadership to create collective impact for population health. Because it is an online program, I teach students from all over the world, while being in my office located in Chicago, Illinois. Our students are working in various settings, and they are often faced with challenging situations to make a change in their organizations.

Becoming an adaptive leader is the key to creating a culture of health and well-being.

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Let’s take a look at one of the biggest epidemic: obesity. Unexpected interruptions to a daily routine to get fit, eat right can derail their mental landscape for getting healthy unless an individual can learn to expect change and adapt accordingly. Creating space and tools to understand the barriers and challenges to achieve overall wellness is one step toward bringing individual awareness for adaptation and global change. With awareness, individuals can learn to adapt to the change for better wellness, and then be empowered to lead their way to a personal self-care model. Through individual’s systematic reflection and understanding of the ‘whole systems,’ we can promote collective action, wherein individuals motivate each other in their shared pursuit of health, can help people live life with optimal wellness as personal leadership in the era of resilience.

For today, let’s give thanks to our veterans for being adaptive leaders in their way.

In the Palm of Your Hand, a Strategic RoadMap for Career Success.

The holidays are just around the corner and time for work, family, and self is of the essence. But how do you squeeze in the extra things to do (fun things) along with the ‘have to do’ on your list.  To my students, I share my five ‘S’ system to manage their time effectively, efficiently, and mindfully.

The five “S” to strategic planning can be applied for project management, goal setting for personal and professional, and for time management for new ideas.

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  1. Space
  2. System
  3. Schedule
  4. Support
  5. Self-Evaluation

1. Space refers to the physical, emotional, intellectual, and social space that you need to create, block off, and keep tight boundary.  Claim a physical space that is your for your study, for your meditation, and for your family/friends. A emotional and intellectual space is needed for yourself to grow independently.  A social space is where you can connect with others. When you have different spaces allotted for different purposes, it allows you to feel less guilty about declaring your personal space for clarity because you know you have space for the other things and people in your life.

2. System refers to finding a system that work for you based on your characteristics. Are you a morning person – then working out at the gym, doing your best writing, and/or working on the garden is your system. Or if your energy level is at its highest peak in the afternoon, reserve that precious time for your creativity muscle.  Find mentors to examine their system. For example, if you’re a writer, read a biography of your favorite author and analyze their writing process. Would it work for you? Modify the parts that makes sense to you.

3. Schedule refers to blocking out chunk of time to focus and drive through the resistance to focus. Minimize factors that get you to lag, delay, or be distracted.  A recommended schedule of time is to block 25 minutes to work, and then a 5 minute for a break, and the recycle the process again. Don’t forget to schedule time for fun, exercise, and meditation. Don’t think of these are ‘time-waster’. When you are unhealthy, unfit, and tired, you are wasting more time to regroup your mind and body to get things done effectively.  Schedule at least 7 hours of sleep, planned meals, and drink water throughout the day.

4. Support refers to your immediate cheerleaders to get your through the distraction toward your plan (i.e. your term paper, your project, or book).  For school, your study group may not be the same group of folks who you are skiing with. For writing your book, you may want to join a meet-up group in your local neighborhood who will hold your bottom to your seat and fingers glued to the keyboard to get you through the writing process.

5. Self-Evaluation refers to a periodic check-in with yourself. Reflect on your baseline, your timeline, your system, schedule, support, and space. Did you achieve what you wanted? What were the successful factors? Were there any barriers? If so, why?  When you are trying something new, give yourself time to learn and evolve with these tactics. Do a weekly check-in (i.e. Sunday night for an hour), or a monthly check-in (i.e. the 1st of every month).

Having the five “S” in my strategic roadmap allows me to lay out the time, space, and effort needed in achieving my goal. With this map, I can anticipate whether I have the time to say ‘yes’ to things to do (the have to and the fun things to do) or to say ‘no’ because according to my five “S”, I have neither the space, system, schedule, support, nor self-evaluation tool to assess it.

Don’t forget to enjoy the journey, the road bumps, and to roll down the window to enjoy the view toward your success.

 

 

SkinCare as the new HealthCare: the new mind-skin connection to health and disease

Do you know your skin is like a crystal ball?  Our skin is a window to your inner health, immunity, and psychology.  

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Emerging research is demonstrating that meditation and mindfulness practices can improve emotional, spiritual and mental wellness.  The skin is the largest organ of the body, and the research is revealing the complexity of the biological process of the skin is a gateway to the mind-skin-body connection.

It makes senses.  Using a system thinking approach, we can see that our skin is connected to emotional, intellectual, and mental wellness. When you feel ‘stress,’ do you notice a cold sore, a pimple,  or dry skin? Or when you are feeling under the weather, does your skin feel ‘warm’?  Or do you have a habit of pulling hair, picking at dry nails, and scratching an itch?  Mind-Skin connection is probably more real than we had expected.  Nowadays,  public health professionals, health providers, and wellness managers are working together to develop and support wellness programs for patients with dermatologic conditions.  With this integrative approach, we can examine a type of skin-related disorders, biologic factors, environmental (external) factors, epigenetic biochemical changes, and demographic factors.

This is the beginning of a new conceptual framework to explore how our skin is connected to our mind-body-soul using complementary, integrative health practices.  Instead of focusing on the best cream for skin care, focus on providing nutrients through food, positive thoughts, and mindfulness to your body, which then can provide care for your skin.