American poet Ralph Waldo Emerson once penned the expression, “The first wealth is health.”

For many women, eating superfoods such as blueberries, salmon, almonds and yogurt is key to enjoying a healthy lifestyle, with each food providing known benefits to help boost energy, maintain weight and protect against disease.[1]

Health and wellness, however, are not just about your waistline. Financial stress can take a toll on your physical health.

A national poll of voters commissioned by American Women [2] revealed the top three sources of stress for women as:

Bills and expenses: 37 percent
Health: 22 percent
Saving for retirement: 21 percent
The most important way to manage stress is to prevent it from ever occurring by planning, says psychologist and self-help author Robert Epstein.[3]

Here are a few tips to help prevent stress by planning ahead:

Bills and expenses
Set a monthly budget and stick to it. Try to spend less than you make so that you can start an emergency fund to save for those unexpected expenses.

Using a budgeting tool can help simplify the process of managing your money. Mobile apps such as Mint®, Quicken® and YNAB™ allow you to set up a monthly budget and easily view your income versus expenses.

Superfoods like kale, broccoli, leafy greens, celery, nuts, oily fish like salmon, fermented foods like kimchi, herbs and spices and organic berries high in vitamin C can help fight stress and also improve your health.

“Superfoods nourish and detoxify, and in this way, they combat stress," says stress expert Pete Sulack, author of "Unhealthy Anonymous," a book about stress management and overall wellness.[4]

A combination of healthy food and regular exercise can help keep you in good health.

Saving for retirement
Start by participating in your employer’s retirement plan and save a percentage of each paycheck. If your employer offers a match of your contribution, be sure to participate at least to this level to not miss out on this financial benefit. Each year, try to increase your saving percentage by one to two percent.

Plan for the unexpected
As vitamin D provides calcium to your bones, life insurance helps to serve as the backbone of a healthy financial plan. Life insurance offers basic, unique and essential wealth protection. In the event of an unexpected change, life insurance can provide security against the loss of income due to death of the insured and protection for your family.

Protect your income from disability
Like probiotics found in yogurt, which have the power to boost your immune system and protect your body from illness, disability income insurance protects your paycheck in the event you get injured or sick to the point you can’t work.

If disability were to happen to you, how would you cover your bills? The ability to earn an income is one of your most valuable assets, and it should be insured just like your home, car or boat.

Next steps
By planning ahead, you can help to minimize financial stress. Get started today by contacting your Ohio National financial professional to develop a long-term plan that fits your needs.

When shopping for health insurance, shop smart.

Don’t be deceived by insurance agencies allowing them to sell you plans from their preferred carriers so that they can clinch the sale and leave you with obstacles to solve.

When you reach out to Cosmo, our health insurance brokers in New Jersey spend all the time necessary to determine what your needs and priorities are. We are independent and offer plans from a large spectrum of reputable carriers. We explain your options in great detail and clarity– down to the fine print - so that you can choose a plan that will satisfy you for the long term.




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