09/23/2025
DEPRESSION AND ANXIETY
In today’s society, how could it be possible that depression and anxiety can’t live amongst us? With the world in turmoil, the cost of living at an all-time high, mixed with work, family, genetic, and friendship stresses, we have a perfect storm to create depression and/or anxiety. I see thousands of clients a year, and in some shape or form, they all have one thing in common: their family has been hit by depression and/or anxiety. So, what are our doctors doing for these problems? Medication routes, counseling, massage therapy, and meditation. All the information throughout this next week will be additional things that you could add to potentially help you or your loved ones. Disclaimer: I am by no means a doctor. Always contact your doctor to make sure these additions are the right choice for your particular case. Each day for this week, I will be posting another way to destress and help soften the blow of anxiety and depression. Let’s start off with what I feel is one of the number one causes of depression and anxiety. Here’s some research that I found. These were not written by me.
MONEY PROBLEMS
A large majority of Americans worry about money, with surveys from 2025 indicating that the percentage is around 70% to over 77% of adults. Financial worries range from everyday expenses like inflation to long-term concerns about savings and retirement. This anxiety impacts daily life, with many reporting depression and anxiety, and some even losing sleep over money issues, according to Northwestern Mutual's 2025 study.
The 50/30/20 rule is a simple budgeting guideline that allocates your after-tax income into three spending categories: 50% for needs, 30% for wants, and 20% for savings and debt reduction. This method helps individuals gain financial control by categorizing essential living costs, discretionary spending on enjoyable but non-essential items, and setting aside funds for future financial goals like retirement or paying off loans.
Here's a breakdown of each category:
• Needs (50%): These are the essential expenses you must pay to live and work.
Examples: rent or mortgage, groceries, utilities, transportation, insurance, and minimum debt payments.
• Wants (30%): This category is for non-essential spending that enhances your lifestyle.
Examples: dining out, entertainment, hobbies, shopping, vacations, and other discretionary purchases.
• Savings and Debt (20%): This portion of your income is dedicated to building your financial future.
Examples: building an emergency fund, saving for retirement, investing, and making payments on debt beyond the minimums.
How to get started:
1. Calculate your after-tax income: Determine your total monthly income after taxes are deducted.
2. Allocate your income: Divide that amount into the three categories according to the 50/30/20 percentages.
3. Adjust as needed: This rule is a guideline and can be adapted to your personal circumstances. For example, if you live in a high-cost area, you might shift some of your
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