Finance Fitness Finesse

Fitness Finesse Fridays: Health Doesn't Care

In this episode of Fitness Finesse Fridays, JaeVic tackles the confusing and costly U.S. healthcare system, sharing personal struggles with unexpected medical bills and lack of transparency. Highlighting alarming statistics and real-life examples, including the tragic story of Alec Smith, the episode critiques the system’s profit-driven approach and compares it to global standards. JaeVic offers practical advice on handling medical bills and navigating insurance codes, urging listeners to turn their frustration into action for meaningful change.
Resources
 
Impacts of Medical Debt: National Survey
The World’s Costliest Health Care: Harvard Magazine
Learn About Insurance Codes to Avoid Billing Errors
Alec’s Law helps 465 Minnesotans access Affordable Insulin
U.S. Health Care from a Global Perspective, 2022: Accelerating Spending, Worsening Outcomes
Are Financial Payments from the Pharmaceutical Industry Associated with Physician Prescribing? A Systematic Review
 
Social Media:
F^3 Website
Insta/Facebook: @financefitnessfinesse 
Audio:
Fashion House - Short Version by Scott Holmes Music, Free Music Archive, (CC BY-NC)
Easy Motivational Fitness by TimTaj, Free Music Archive, (CC BY-NC-ND)
Do Right by Makaih Beats, Free Music Archive, (CC BY-NC-ND)

M.O.R.E Money Mondays: Gimme Some Credit

In this episode of More Money Mondays, JaeVic guides us into the world of credit, exploring its history, the role of credit cards in our economy, and practical advice on choosing the right card. JaeVic covers the confusing but essential topics like credit scores, utilization ratios, and the difference between APR and APY. Listeners will learn about the importance of paying off balances in full, avoiding the minimum payment trap, and options like secured and student credit cards for building credit. JaeVic also addresses the consequences of not managing credit wisely while emphasizing that with the right approach, credit can be a powerful financial tool.
Resources
You’re Such a Loaner 
Listen on Apple Podcasts
Listen on Spotify
Surviving Debt: National Consumer Law Center
Credit Card: What It Is, How It Works, and How to Get One: Investopedia
How To Use A Credit Card: Best Practices Explained: Forbes
Starter Credit Cards: CreditKarma
Social Media:
Connect with JaeVic!
F^3 Website & Episode List: https://financefitnessfinesse.podbean.com/
Insta/Facebook: @financefitnessfinesse 
Audio:
Money Roll by Mr Smith; (Free Music Archive); license type (CC BY)
Fashion House - Short Version by Scott Holmes Music; (Free Music Archive); license type (CC BY-NC)
Hip Hop Funk Loop by JsoundLAB; (Free Music Archive); license type (CC BY-NC)
Terms
Credit Score: A numerical expression based on an analysis of your credit files, representing your creditworthiness.
Credit Report: A detailed report of your credit history prepared by a credit bureau.
APR (Annual Percentage Rate): The annual rate charged for borrowing or earned through an investment, expressed as a percentage.
Credit Limit: The maximum amount of credit that a financial institution extends to a client.
Credit Utilization Ratio: The ratio of your credit card balances to credit limits, expressed as a percentage.
Hard Inquiry: A credit report check that occurs when a financial institution checks your credit for a lending decision.
Soft Inquiry: A credit report check that does not affect your credit score, often done by you or a potential employer.
Secured Credit Card: A type of credit card that is backed by a cash deposit from the cardholder.
Unsecured Credit Card: A credit card that doesn’t require a security deposit and is based on the cardholder’s creditworthiness.
Credit History: A record of a borrower’s responsible repayment of debts.
Debt-to-Income Ratio (DTI): A measure of your monthly debt payments compared to your monthly gross income.
Grace Period: The time during which you can pay your credit card bill without paying interest.

Savvy Sunday Scholar: Eating Disorders & Money Pt. 1

Welcome to part one of exploring something we use every day and can’t live without: food and money. Stay tuned for part two, where we dive deeper into the financial dimensions and long-term impacts of eating disorders.
 
Resources:
Food for Thought Pyramid: The Real Causes of Poor Health
What Happens to Your Body When You Yo-Yo Diet
Money Dysmorphia Traps Millennials and Gen Zers
Financial Anorexia
10 Principles of Intuitive Eating
Health at Every Size Principles
 
Social Media:
Connect with JaeVic!
F^3 Website: https://financefitnessfinesse.podbean.com/
Insta/Facebook: @financefitnessfinesse 
Music:
Fashion House - Short Version by Scott Holmes Music; Free Music Archive (CC BY-NC)
Honey by Serge Quadrado; Free Music Archive (CC BY-NC)
GROOOVY TRAP by Caslo; Free Music Archive, (CC BY-NC-ND)

Fitness Finesse Fridays: Health is Wealth

In this Fitness Finesse Fridays episode, JaeVic explores the critical connection between financial wellness and physical health. Discover how financial stress can lead to serious health issues such as chronic conditions and mental health struggles, creating a vicious cycle of stress and poor health. JaeVic also highlights the impact of financial instability on access to nutritious food and healthcare, and emphasizes that true wealth is about balancing financial success with physical well-being. Tune in to learn more about why health is wealth.
 
Social Media:
F^3 Website
Insta/Facebook: @financefitnessfinesse 
Resources:
How Can Financial Wellness Affect Your Health?
Your Health Is Your Wealth: How Your Physical Health And Business Health Are Linked: Forbes
Alleviating Financial Strain to Reduce Suicide Risk
The problem with Medicaid ‘unwinding’: Harvard
Therapists Who Don't Accept Insurance
Cost-Related Insulin Rationing in US Adults Younger Than 65 Years With Diabetes.
What are food deserts, and how do they impact health?
Income Inequality & Financial Hardship: Princeton
Suicide & Crisis Lifeline
Book of the Episode:
The Body Keeps the Score
Audio:
Fashion House - Short Version by Scott Holmes Music, Free Music Archive, (CC BY-NC)
Easy Motivational Fitness by TimTaj, Free Music Archive, (CC BY-NC-ND)
Do Right by Makaih Beats, Free Music Archive, (CC BY-NC-ND)

M.O.R.E. Money Mondays: You're Such a Loaner

In this episode of More Money Mondays, JaeVic demystifies the confusing world of loans, explaining their origins, types, and key terms. From personal and business loans to auto and student loans, we  cover how they work, who offers them, and the ties to them. Practical tips are provided to help you navigate loans responsibly and make informed financial decisions. Whether you're considering borrowing for education, a car, or a business, this episode provides essential insights to help you make informed financial decisions.  Tune in to elevate your financial wellness!
Resources:
Private vs. Federal College Loans: What's the Difference?: Investopedia
How Much Money Can A Bank Hold?.
Better Business Bureau: Find a Business you can Trust
CNN: How student loan debt became a trillion-dollar problem for Americans
Consumer Financial Protection Bureau
How Interest Rate Changes Affect the Profitability of Banking: Investopedia
Find a Financial Therapist
 
Social Media:
Connect with JaeVic!
F^3 Website: https://financefitnessfinesse.podbean.com/
Insta/Facebook: @financefitnessfinesse 
 
Audio:
Money Roll by Mr Smith; (Free Music Archive); license type (CC BY)
Fashion House - Short Version by Scott Holmes Music; (Free Music Archive); license type (CC BY-NC)
Hip Hop Funk Loop by JsoundLAB; (Free Music Archive); license type (CC BY-NC)

Savvy Sunday Scholar: What Gets in the Way, Money & Relationships Pt. 2

In part 2 of this episode of Finance, Fitness & Finesse, we sit down with Savvy Sunday Scholar, Chaazè Roberts, founder of CPR Counseling and a licensed marriage and family therapist. With degrees from Northwestern University and the University of Illinois, Chaazè brings a wealth of expertise in dealing with various family and relationship issues. Join us as we explore the impact of financial strain on family dynamics, discussing how financial stress can affect couples and parent-child relationships, and learning practical strategies for managing these pressures. Tune in for valuable advice on navigating financial challenges and maintaining healthy family relationships.
 
Resources:
Social Security Overpayments: CBS News
Book: Millionaire Next Door
Get in touch with the Savvy Scholar: Chazzè Roberts
Instagram: @chaaze.cpr
Social Media:
Connect with JaeVic!
F^3 Website
Insta/Facebook: @financefitnessfinesse 
Music:
Fashion House - Short Version by Scott Holmes Music; Free Music Archive (CC BY-NC)
Honey by Serge Quadrado; Free Music Archive (CC BY-NC)

Fitness Finesse Fridays: The Money Mirror, Finding Your Money Identity

In this episode of Fitness Finesse Fridays, JaeVic goes into how our money identity evolves throughout our lives. Discover the difference between financial independence and financial freedom, and how our childhood experiences, personal values, and societal expectations shape our financial behaviors. Learn practical tips for aligning your financial decisions with your true self and start building a more empowered connection with money. Join in on this journey to understanding and transforming your financial identity.
Resources:
Possessiveness, Money, and Their Roots in Childhood
University of Michigan Research Shows Children Form Attitudes About Money at Young Age
The Neuroscience of Behavior Change
How Your Self Image Determines Your Wealth
How Many Decisions Do We Make Each Day?: Psychology Today
Social Media:
F^3 Website: https://financefitnessfinesse.podbean.com/
Insta/Facebook: @financefitnessfinesse
Audio:
Fashion House - Short Version by Scott Holmes Music, Free Music Archive, (CC BY-NC)
Easy Motivational Fitness by TimTaj, Free Music Archive, (CC BY-NC-ND)
Do Right by Makaih Beats, Free Music Archive, (CC BY-NC-ND)

M.O.R.E. Money Mondays: Inflation Nation

In this episode of Finance Fitness & Finesse, JaeVic delves into the complexities of inflation and practical strategies to protect your finances from rising prices. Learn about inflation’s causes, impacts, and how central banks and government policies influence these phenomena. Additionally, JaeVic introduces the concept of Money Dysmorphia, explaining its effects on mental health and offering tips for managing financial stress. Tune in for insights on understanding inflation, safeguarding your money, and addressing financial anxieties.
 
Resources:
Inflation explained: Everything to know in 3 minutes or less.
The Current Inflation Rate is 3.3%. Here’s Why It Matters
Inflation: Investopedia
How To Hedge Against Inflation: Forbes
CNBC: Living Instability Among Young Adults.
Consumer Price Index (CPI): What It Is and How It's Used: Investopedia.
Money Dysmorphia
Find a Financial Therapist
Social Media/Contact:
F^3 Website
Instagram/Facebook: @financefitnessfinesse; @jaelynvickery
Email: financefitnessfinesse@gmail.com
Call in & leave me a voicemail or ask a question!872.216.6020
Audio:
Money Roll by Mr Smith; (Free Music Archive); license type (CC BY)
Fashion House - Short Version by Scott Holmes Music; (Free Music Archive); license type (CC BY-NC)
Medical & Science by TimTaj;  (Free Music Archive); license type (CC BY-NC-ND)