Dr. Kelsy Vick closes out the Goalchella Podcast Festival with self-selected highlights from expert interviews recorded from November through early February, created around common New Year’s goals for women. She revisits key moments from: Dr. Sam Moore on female physiology, menstrual-cycle awareness, resilience in training, energy availability, and the importance of carbohydrates and progressive strength training; Dr. Emily Hilz on the dopamine reward system, estrogen sensitivity across the menstrual cycle, and how hormonal states can influence reward seeking and motivation, plus an overview of endocrine disrupting chemicals (including bisphenols, phthalates, PFAAS, parabens, and flame retardants), where they’re found, and why “safe” levels are complicated by sensitive developmental windows and mixture effects; Dr. Lisa Neff on how relationship quality impacts mental and physical health, including research linking social relationship quality to mortality risk and evidence that hostile couple communication slows wound healing, and how everyday stressors spill over into relationships by reducing connection, increasing negativity and blame, worsening conflict communication, and undermining support; Katie (a certified credit counselor and Bankrate writer) on women-centered approaches to money, breaking habits like impulse shopping and carrying credit card balances, separating emotions from money, and using travel credit cards and welcome bonuses responsibly to reduce travel costs; and Aaron (a certified habit coach) on outcome vs process vs identity goals, the behavior science of cues, ability/self-efficacy, and reward, and designing environments to support habit formation. She thanks listeners for supporting the series, invites topic and guest requests, and transitions back to regular episodes of Wellness Fix the Pod.
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We're wrapping up our Coachella Podcast Festival and as sad
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as I am that it's ending, I am so, so
happy that I was finally able to share
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all of these episodes with you guys.
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So let's go through some of my own
self-selected highlights for each of
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our expert guests that were a part
of this wonderful podcast festival.
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Welcome back to Wellness Fix the Pod.
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I'm your host, Dr.
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Kelsey Vic, a board certified orthopedic
doctor, physical therapy, and a
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pelvic floor physical therapist and.
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I had majority of these conversations
back from, I'd say, November to
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early February, and I knew that I
wanted to have this podcast festival.
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I knew that I wanted it to focus on
different categories that a lot of us
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girls have goals on in the New Years.
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So I have just slowly been reaching out
to different researchers and experts
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in certain categories and interviewing
them and having these conversations.
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As nerve wracking as it is going into
these conversations, and as much as I
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want to have a wonderful conversation and
be a wonderful host to highlight these
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guest experts, I do get so, so nervous.
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But after each and every conversation, I
am riding on such a high, I learn so much.
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I love learning.
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I love being able to share what
I'm learning from these guest
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experts with all of you guys.
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And so it was so exciting for me to have
these conversations and then really.
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Be able to hopefully deliver them to you
guys in such a wonderful way that really
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just highlights some of the truth behind
a lot of the goals that we have as women.
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So I hope you guys enjoyed them.
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I sat on some of these episodes
for like two months, probably
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waiting to release them all together
in this podcast festival style.
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So it was one of those things where
I was like, oh, I really wish I could
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release them right now because it
was such a wonderful conversation
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and I really want them to have this
information, have this education,
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have this knowledge, and be able to
enjoy this conversation just as I did.
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But I think, I hope that you guys enjoyed
it in the way that it was released
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and enjoyed each of our conversations
with each of the expert guests.
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And I think it's always fun after these
podcast festivals to sort of wrap it up
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and take out clips that I found very.
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Impactful in my own life or
knowledge that I didn't have before,
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that I now have from each of our
episodes with each of our guests.
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So that's what this episode is.
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I also say every time to use it
as an episode to sort of guide
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where you want to listen back, if
you happen to miss an episode or.
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Be like, oh, you know what?
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I actually forgot that she said that,
or I was listening to that episode
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while also talking to my sister,
and I didn't really get to that one
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and I really missed that segment.
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So it's a way to have almost like
the SparkNotes, the book club
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version of the podcast festival.
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That way if there's anything that you
guys missed or resonated with, you can
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maybe go back to that episode and get a
little bit of a deeper dive and deeper
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understanding on each of those topics.
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So our first guest we had
on the podcast was Dr.
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Sam Moore, and I don't know if you guys
could tell during the episode, but.
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We just clicked and I think this
is the episode that I resonate
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with probably the most in sort
of my education and my expertise.
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I'm a kinesiology major,
exercise science, so Dr.
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Sam and I have similar backgrounds
up until the undergraduate level
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probably, but it's not until we, we
diverge for grad school where she
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took more of that research route.
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I took more of the clinical route,
so I always love getting to chat
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with exercise physiologists and
PhD researchers on the female human
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body because it's something that.
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I am passionate about as well and
passionate about it in the way of physical
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health and wellbeing and exercise and
training, which is exactly what Dr.
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Sam is the expert on.
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So I was very grateful to have her
on, not only to share about the
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female physiology, the female body,
how we can exercise for our female
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bodies, but also to get her approach.
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One of the things that really stuck
out to me from our episode together.
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Was how involved she is in female
physiology training performance,
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yet how adaptable and resilient
and flexible she is with her
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own health and wellness routine.
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So often we can get caught up in what
we should be doing without taking
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into account our lives that are
influencing what we should be doing.
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So I loved how she
prioritized the okayness of.
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Giving our bodies grace and
being resilient with them.
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No matter the stage in our cycle we're
in, no matter the life stage we're in,
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no matter what our bodies and minds are
requiring at that point in our lives.
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One of my favorite clips from the
episode was actually laughing about how
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we both viewed our menstrual cycles.
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Kelsy: And for me, a lot of it
is based on my menstrual cycle.
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Like I, you know, the week before I
started my period in my mid to late
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luteal phase, it's rough for me.
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Like, we used to make so many jokes
in, in the lab at UNC, it was a
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almost all women lab at times.
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And, you know, we always
talked about the luteal phase.
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Like she was one of our lab
mates that we couldn't stand.
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And for me that meant that, you know,
I, I needed to make sure that my
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water was really on that I was getting
some movement throughout the day.
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There's like a four to five day block
where I just feel awful and I might get
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one workout in that block, but getting a
little bit more movement throughout the
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day because I know I'm not gonna have
the energy to go and do a really hard
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training session at the end of the day.
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It is just kind of planning and being
aware of how your body responds and
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then understanding as you go what
things you need at different times.
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I like how you personified a luteal phase.
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'cause I say in my back half, especially
like you said, that week or a few days
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before, it's like, that's not real Kelsey.
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You know, that's fake Kelsey.
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We just do what we can with fake
Kelsey until real Kelsey shows up
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again and feels better after a workout.
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That was me just last week.
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My husband was like,
how do your workout go?
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I was like, terrible.
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But that was fake.
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Kelsey, that's expected at this time.
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Yeah, I do the same thing.
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I'm like, well, if Ms.
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Progesterone's here, like I'm gonna
need to set my alarm an hour later.
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That is what I need, you know?
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And I need a little bit more silent
time and I need, you know, to
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not have an attitude with myself.
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I need to give myself a
little bit more grace.
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I probably need to give a little
bit more grace to people around me.
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But I think like so much of
that is just tracking it, right?
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Like.
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Before I used to track my cycle,
I would've guessed that like the
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worst time was during my period,
because that's what we're taught.
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And in reality, it's actually usually
not like when you look at it from
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like an objective recovery standpoint.
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And so I think like the importance of
tracking it, I also, when I was kind
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of younger in like my early twenties,
before I started learning or reading
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about female physiology, um, I would
have these like emotional breakdowns
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very consistently where I'd be like,
I'm 24, I've got nothing to show for it.
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I've accomplished nothing in my life.
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I'm an embarrassment to my family.
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I don't even know how they
let me keep the family name.
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Like what have I done in my life?
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What do I have to show for
these 24 years I've been alive?
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And then I would start my period like
six days later and I'd be like, oh.
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I guess I have graduated college.
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I guess I'm a good person.
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Like I, you know, try to show up for
my friends or think of whatever it was.
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And so like once I started to track it,
I was like, oh, that's actually not me.
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That's not my feeling.
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That is my luteal phase
when I'm having that.
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And so then it became this thing of
like every time I would go to have
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this like spiral, if I've accomplished
nothing in my life, I'd be like, no, no,
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you're gonna revisit this in seven days.
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And if you still feel that way, then we
can take it to the higher ups and maybe
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talk to someone about, but like right now.
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Just give it a week and you're
probably not gonna feel like this.
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And it allowed me to regulate
it to a level where like, I, I
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don't struggle with that anymore.
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And it was just from tracking it.
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Speaker 2: I also, of course, had
to ask her to clarify something.
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I know a lot of us as girls struggle with.
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Mix of fueling appropriately, training
correctly when it comes to our body
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composition or body recomposition goals.
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She chats about the importance of energy
availability and why we as women need
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to be approaching fasting and carbs
and maybe a little bit of a different
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way than what we've been told in
definitely in a different way than men.
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Kelsy: So can you talk a little bit about
just how our bodies as women differ from
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maybe a metabolic standpoint when it
comes to something like body composition
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compared to the male physiology?
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So it's the process of losing
fat and gaining muscle.
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We call it body recomposition, and
it's quite hard to be totally honest
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with you when you think about like
what are the physiological systems or
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processes that are required to lose bat
mass, and then what are the systems and
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processes required to gain muscle mass?
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They're kind of in opposition
and so it is challenging.
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It's challenging thing to do and that's
why sometimes looking at it through
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too small of a lens timeline-wise can
be difficult in what we see and and
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I think we see it play out in person,
is that female systems bodies are
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more sensitive to low calorie intake.
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And so looking at energy
availability and the threshold at
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which we see hormonal dysfunction
happen because we know now that.
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Reds relative energy deficiency in sport.
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This mismatch of calories in and
calories expended, it can happen to
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male and females and there's health
consequences and performance consequences.
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But I think because of some of the kind
of prior work on the female athlete triad,
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we really focus on the female part a bit.
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But it can happen to both.
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And in reality, the threshold of
energy availability that it can
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happen at for females is much sooner.
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And so we are more sensitive
to that low calorie intake.
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And there's even been some really
interesting research that talks about
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within day low carbohydrate availability.
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And so, you know, the exercises is
always tough because I think it's
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easy to talk about what we know
from science, but also life is hard.
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And there are some warnings, like
usually if I don't get my training
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in before eight 30 in the morning,
it's unlikely to happen at all.
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But sometimes when I get up at five,
food is the last thing I want to eat.
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And you know, I forgot to pick up my
protein shakes at the store and I don't
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wanna have to eat a banana, or all
I have is a sourdough English muffin
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and I'm not gonna down that before
I go ride the bike for 45 minutes.
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And so I'll just put some
electrolytes in my water.
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It's not ideal, but I think the
balance of science in real life.
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So I think that's a, a big caveat, but
in the science perspective, the within
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day low carbohydrate availability
is really negative for females in
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a way that it doesn't affect male
physiology in quite the same way.
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So there's some research that says
even just going like two hours without
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carbohydrate availability, so with like
low blood sugar can be enough to start to
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induce some of the hormonal dysfunction.
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You know, I think when we're talking
about like what are the differences
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metabolically, you know, not eating
enough calories and metabolic suppression
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with females is a much bigger issue
because we don't have as much resiliency
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to that, the, the carbohydrates.
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So like, you know, I grew up as a kid
in a time of like a very anti carb life.
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You know, it was like, I think it was like
the Atkins side or something like that.
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There's like no carbs and now it's keto.
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And we know that females respond
differently to keto than males do.
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And you know, the
importance of carbs is huge.
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Like, it's something like I have to
tell my husband about all the time.
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Like even just the other day I was
going through my dick, this massive
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headache at 2:00 PM I had to take
a second lay down on the floor.
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I'm like, what is going on?
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Why do I feel like this?
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I'm like, oh my gosh, I
haven't had a carbohydrate
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since 6:00 AM What am I doing?
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It just sneaks up on you and you're like,
I haven't even looked at a carb today.
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Like I, of course I'm unwell.
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That's my fuel and my energy.
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And I also think, like
right now, there's so much.
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Content out there about women
specific this and female focused that.
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And I think that it really shows
how desperate we are for information
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because so many women have this shared
experience of like doing this thing
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that we're taught specific, you know,
help us lose weight or gain muscle or
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feel better and it doesn't work for us.
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And it is because a lot of it comes
from research on male physiology.
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And so, you know, this kind of push pull
of like, there's a lot of influencers
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putting out content on these things and
you know, I think sometimes you're like,
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oh, maybe we could like discern that a
little more or like add a little nuance.
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But I really, I think it's like part
of this like bigger collective push
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and need and desire for information.
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The last thing I would say is, is
kind of not shying away from heavy
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progressive strength training.
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For the short term and the long term.
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Speaker 2: Our next guest was Dr.
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Emily Hills, a neuroscientist and
researcher who has studied how
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our dopamine system is affected by
everything from hormonal contraceptives
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to endocrine disrupting chemicals.
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She starts off by giving us a rundown of
the dopamine system and how our dopamine
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systems are heavily linked to estrogen
and therefore our menstrual cycles.
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Emily: so the dopamine system
is part of the brain's reward
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and motivational system.
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Dopamine neurons are primarily located
in the midbrain, which is in the
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back of our brains, and they send
projections throughout various regions
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of the brain, including the nucleus,
accumbens, striatum, and the prefrontal
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cortex, and dopamine does unique things.
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In different regions of the brain.
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So in the nucleus accumbens, it's
involved in processing primary
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rewards, and then that information is
integrated by our prefrontal cortex,
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which is our executive control system
to make decisions about when and how
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we seek rewards and exert control over
how intensely we seek those rewards.
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It's a very integrated system that
impacts pretty much everything that we
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do, learning and memory and motivation.
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Kelsy: One thing I have been
interested in is, of course, with
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an audience of primarily women.
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Are there any differences in how
the dopamine system affects the male
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brain compared to the female brain?
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Are there any sex differences
that you guys have seen?
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Emily: I would say in terms of
its basic function, it does work.
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The same way in males and females.
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But an important sex specific effect about
dopamine is that dopamine neurons are
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very estrogen sensitive, which means that
when they're exposed to estrogens, they
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fire a lot more rapidly, they release more
dopamine, and that means that women are.
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Kind of classically considered to be
more sensitive to rewarding stimuli,
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especially during phases of our cycle
where estrogens might be higher or
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if we're taking estrogen replacement
therapies or something like that.
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So we do see more rewards seeking
behavior in females compared to males.
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Kelsy: That's interesting because one
of the things that caused me to search
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out someone like you who's researching
this kind of thing and looking into
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hormonal effects on our dopamine
system, was my own experience, I guess
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with my own body and my own tracking
and just noticing, especially in that
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like early phase of my cycle, after
my period was over, I noticed, okay,
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I'm, you know, I'm ready to go again.
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I'm back at it.
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Let's get, you know, I was way more
motivated, way more disciplined, way more.
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Goal driven in that phase and I started
realizing, I was like, oh, hang on.
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This is kind of happening cyclically.
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So you mentioned a little bit how
estrogen and dopamine go hand in hand.
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Explain a little bit more about
that, especially in regards to
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like the menstrual cycle and how
different high hormone phases and
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low hormone phases affect our ability
to be more goal-driven or be more
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motivated or be more disciplined.
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Emily: Sure.
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So I study these things using
rats, and rats have what is
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called an EST extra cycle.
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It's very similar conceptually
to the human menstrual cycle,
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and the main difference basically
is that rats don't menstruate.
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They reabsorb their urine lining out
each cycle, and it only lasts four
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or five days, which is great for a
research context because then you
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can study things in four or five days
instead of over months and years.
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Right.
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But things that.
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Are pretty well accepted, I would say
at this point in science is that the.
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Estro cycle influences how much females
will seek out rewarding stimuli.
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So a rat that is in a high estrogen
phase of its cycle will drink a lot more
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alcohol, or it will emit like pleasure
calls more rapidly and intensely in
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response to what we would call like
dopaminergic or stimulant drugs.
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That's what.
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Researchers use.
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When we study reward, we use rewarding
stimuli, and the most rewarding
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stimuli tend to be dopaminergic
drugs like amphetamine or cocaine.
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And your cycle will impact the
way that females will seek out.
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Those rewards, how much
they will consume them.
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When we talk about motivation, I think
there's sort of two types of motivation.
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It would be essentially motivation in
maybe a positive context or motivation,
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which could be maladaptive, compulsive
reward seeking higher estrogen phases
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could be associated with compulsive
behaviors, depending on a lot of factors.
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Going into that.
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Speaker 2: Her more recent research
also focuses on the effects of
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EDCs or endocrine disrupting
chemicals on our brains and bodies.
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I know I can get so overwhelmed by
phrases like Forever chemicals and feel so
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discouraged from the amount of toxins in
our environment, in our Tupperware, in our
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cookware, in our skincare, in our makeup,
which is exactly why I wanted to have Dr.
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Emily on because I feel like having
a researcher on the podcast who is
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immersed in this field of study and
understanding how she approaches it in
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her own life would be very beneficial
for me, and hopefully you guys as well.
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So Dr.
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Emily gives us a basic overview
of what endocrine disrupting
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chemicals are, where they're found,
and what we can do about them.
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Emily: This is definitely where my
expertise has developed in its fullest,
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and that would be endocrine disrupting
chemicals or EDCs, which are defined as
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any exogenous, which means coming from
outside the body chemical that interferes
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with any aspect of hormone action.
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And then an important part of that is,
and results in an adverse health outcome.
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So two main components there is it's.
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Structurally similar to the body's
endogenous hormones, but it's
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coming from outside of the body.
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And then it is having an unintentional
impact on health in a negative way,
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which is why they're different from
something like hormonal birth control,
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which is yes, exogenous, but it's
designed to impact the endocrine
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system purposely, and it doesn't.
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Cause cancer.
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I think you also asked
where do they come from?
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Oh, yes.
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Just there are several main classes.
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If there's the Bisphenols,
the Phthalates, perfluorinated
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chemicals, or PFAS, which have been
popularized as quote unquote forever.
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Chemicals, parabens, and flame retardants.
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Our five major classes of BDCs.
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And then these chemicals are all either
estrogenic or antigenically active.
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They could be anti-estrogen or like
not pro estrogen isn't really a word.
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So they are either anti
estrogenic or androgenic or,
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or a combination of the two.
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And the reason that they are this way
is because they're structurally similar
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to our body's endogenous hormones.
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They can be found in plastics
personal care products.
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Phthalates are used as
emulsifiers and fragrance.
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Parabens are used in products
to increase shelf life and as
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antimicrobials biz fennels are
used in a lot of food packaging.
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00:19:55,764 --> 00:19:57,264
They're also found in plastics.
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Perfluorinated chemicals or PFAS
are non-stick chemicals, which
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they could be found in non-stick
cookware, but they can also be found
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in clothing and fast food wrappers.
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Anything that's designed to be oil
slick, non-stick tends to have it.
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Flame retardants are found in a lot
of furniture, synthetic fibers and.
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To give that little overview real
quick, because I think it's important,
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Speaker 2: Of course, I had to ask her if
there were safe versus unsafe levels, and
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this is probably one of the coolest things
I learned from her this entire episode.
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Kelsy: Are there truly like safe
or unsafe levels of EDC exposure?
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Emily: No, that's the short answer, but.
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Also, yes.
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Something we've kinda been talking about
a lot in this episode is that the idea
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of sensitive periods of development
where what is harmful at one age or
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in one sex might not be harmful at a
different age or at a different sex,
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but saying something that might not
be at a harmful level for me would be.
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For a child, child, but going
to just like levels of exposure.
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The reason that these chemicals are
legal is because based on standard
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toxicological testing, they're not harmful
toxicologically, which means they don't
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kill cells, but those hazard assessments
don't really look at endocrine mediad
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outcomes, and they're designed for
like immediate outcomes, so they don't.
364
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Incorporate ideas about the long-term
effects of, okay, the exposure happened
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at this point in time and then years
and years later is when you see the
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development of an adverse health effect.
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That's very, that's canonical.
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EDC is this long latency period between
exposure and harmful health impacts,
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specifically because the latency tends
to be, you get exposed as developing
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fetus and then you start seeing impacts.
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Probably around puberty when you
start going through activational,
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sex differences into adulthood.
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So recommendations for
safe exposure levels.
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But those recommendations are mostly
for adults and they're for like direct
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toxicology, like toxicological outcomes.
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So I guess the answer
is yes and no based on.
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Our FDA health recommendations.
378
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Absolutely.
379
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And I'm not in a position to fully
challenge that except to say that
380
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there's all this research at levels
below the doses that have been tested
381
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for these chemicals that prove that
they are harmful below the levels
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that we're told they're safe at.
383
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And then another thing to think about
in that context is that all of these.
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Chemicals, the ones that we've tested,
which is only a small number of chemicals
385
00:22:52,373 --> 00:22:57,383
that are even available or being
produced, are being tested in isolation.
386
00:22:57,383 --> 00:23:01,043
So they're only looking at one
chemical, but we're not exposed
387
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to anything in isolation.
388
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So you.
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We do know for a fact that the chemicals
interact with each other and when they
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do, they can have compounding effects.
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So even if you are maybe being exposed
at a safe level to one thing, you also
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have six other chemicals at any one time.
393
00:23:19,748 --> 00:23:23,228
At any one product, which kind of
creates just like a physiological
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00:23:23,228 --> 00:23:29,228
state of exposure that has long-term
physiological implications that aren't
395
00:23:29,228 --> 00:23:32,768
being addressed right now by our
current regulatory recommendations.
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00:23:33,338 --> 00:23:35,738
Speaker 2: I was also so
excited to learn from Dr.
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Lisa Neff, our relationship researcher.
398
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She is out of the University of
Texas at Austin, just like Dr.
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00:23:41,438 --> 00:23:43,628
Emily is, and she has.
400
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A lab at UT called the real
Lab or Relationship Experiences
401
00:23:49,523 --> 00:23:50,903
across the Lifespan Lab.
402
00:23:50,903 --> 00:23:56,573
So I was so excited for our conversation
together, and you can just tell she
403
00:23:56,573 --> 00:24:00,053
is a wonderful educator, a wonderful
professor, a wonderful researcher, a
404
00:24:00,053 --> 00:24:06,263
wonderful human by how she dives into how
we can better our romantic relationships
405
00:24:06,503 --> 00:24:10,373
through communication and how we
handle just different life stressors.
406
00:24:11,408 --> 00:24:14,858
She knew the podcast was historically
focused on health and wellness.
407
00:24:14,888 --> 00:24:17,708
So it was her idea to open with
the research on how quality
408
00:24:17,708 --> 00:24:21,038
relationships actually affect our
physical health and wellbeing.
409
00:24:21,308 --> 00:24:24,878
And the study she mentions is one
where my jaw was on the floor.
410
00:24:25,418 --> 00:24:29,163
Lisa: So research shows that
our social relationships both.
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00:24:29,843 --> 00:24:31,343
Friends, romantic.
412
00:24:31,343 --> 00:24:35,093
All those social network members
have profound impacts on both
413
00:24:35,093 --> 00:24:36,983
our mental and physical health.
414
00:24:36,983 --> 00:24:39,413
So I'll start with our
emotional wellbeing.
415
00:24:39,833 --> 00:24:44,663
Research shows that if you ask people
how satisfied you are in life, the
416
00:24:44,663 --> 00:24:47,513
way people answer that question
is by figuring out how satisfied
417
00:24:47,513 --> 00:24:48,743
are they in their relationships.
418
00:24:48,803 --> 00:24:52,703
Relationships matter more than work than
hobbies, than all those other things.
419
00:24:52,703 --> 00:24:56,813
It is the strongest predictor of
life satisfaction and interestingly.
420
00:24:57,158 --> 00:25:01,598
When you look at adult relationships,
generally the romantic relationship
421
00:25:02,108 --> 00:25:03,368
sort of is on the pedestal.
422
00:25:03,368 --> 00:25:06,068
It is one of the most important
relationships that people have
423
00:25:06,068 --> 00:25:09,428
in adulthood, be it married or
cohabiting, whatever that looks like.
424
00:25:09,938 --> 00:25:15,578
And research has shown that marital
satisfaction and its association
425
00:25:15,578 --> 00:25:19,688
with life satisfaction has gotten
stronger over the past 40 years.
426
00:25:19,868 --> 00:25:23,468
Meaning that our happiness in our
marriage matters more to our wellbeing
427
00:25:23,468 --> 00:25:25,388
today than it did even 40 years ago.
428
00:25:26,093 --> 00:25:29,693
But it doesn't just influence
our mental health, it influences
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00:25:29,693 --> 00:25:31,343
our physical health as well.
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00:25:31,343 --> 00:25:31,853
So there's.
431
00:25:32,513 --> 00:25:38,603
A lot of research on all the ways our
relationships can both benefit us and
432
00:25:38,603 --> 00:25:40,373
get under the skin and cause problems.
433
00:25:40,373 --> 00:25:45,563
For us to just give a couple of broad
examples, A few years ago some researchers
434
00:25:45,563 --> 00:25:51,263
did a meta-analysis and all that is, is
they aggregated findings from a whole
435
00:25:51,293 --> 00:25:55,433
bunch of different studies that had
been conducted looking at predictors
436
00:25:55,433 --> 00:25:57,323
of mortality, and they were looking at.
437
00:25:57,683 --> 00:25:59,093
All the things that have been studied.
438
00:25:59,093 --> 00:26:03,443
So they were looking at, you know,
smoking behaviors and physical inactivity
439
00:26:03,743 --> 00:26:07,613
and air pollution, you know, all
these different factors we know can
440
00:26:07,673 --> 00:26:09,323
have health consequences for people.
441
00:26:09,563 --> 00:26:12,293
And they were also looking
at social relationships.
442
00:26:12,743 --> 00:26:16,973
And what they found in this massive
summary of the literature was that the
443
00:26:16,973 --> 00:26:19,103
quality of our social relationships.
444
00:26:19,808 --> 00:26:23,018
Mattered more than all the
other factors they studied.
445
00:26:23,228 --> 00:26:28,838
So people who had at least adequate
social relationships were 50% more
446
00:26:28,838 --> 00:26:32,948
likely to still be alive at the end of
the study compared to people who didn't.
447
00:26:33,188 --> 00:26:37,568
And the strength of that effect of
social relationships on wellbeing was
448
00:26:37,568 --> 00:26:41,738
stronger than things like physical
activity, inactivity and obesity,
449
00:26:41,738 --> 00:26:43,208
and those things that we know matter.
450
00:26:43,478 --> 00:26:47,978
So this suggests that our health, our
relationships matter a lot for our health.
451
00:26:48,698 --> 00:26:52,868
However, we have to make sure that
those relationships are good, right?
452
00:26:52,868 --> 00:26:57,308
We know that not all relationships
are the same, and a toxic relationship
453
00:26:57,338 --> 00:27:00,338
or a really hostile relationship
can really have some important
454
00:27:00,338 --> 00:27:01,928
health consequences for us as well.
455
00:27:02,318 --> 00:27:07,508
So in a great set of studies that was
done, uh, by Janice Key quote, Glaser
456
00:27:07,508 --> 00:27:11,588
at Ohio State, a number of years ago,
they did work where they basically
457
00:27:11,588 --> 00:27:14,333
took this device, you could think of
it as like the size of a smartphone.
458
00:27:15,353 --> 00:27:18,833
You put it on the forearm of people
and it created eight little blisters,
459
00:27:18,893 --> 00:27:20,963
so they actually wounded participants.
460
00:27:21,563 --> 00:27:25,853
They then had these participants who
were couples talk about important
461
00:27:25,853 --> 00:27:30,053
issues in their marriage, and they
coded those conversations for the
462
00:27:30,053 --> 00:27:31,793
quality of that communication.
463
00:27:31,793 --> 00:27:34,283
How well were couples
talking about their problems?
464
00:27:34,288 --> 00:27:38,063
Were they using constructive
positive forms of communication,
465
00:27:38,063 --> 00:27:41,123
or were they using more hostile
critical forms of communication?
466
00:27:42,068 --> 00:27:46,748
What they found was that the wounds,
those blisters, they created, the wounds
467
00:27:46,748 --> 00:27:51,608
of the people who used more hostile
communication with their partner healed
468
00:27:52,058 --> 00:27:57,878
40% slower than the wounds of the
people who had more constructive forms
469
00:27:57,878 --> 00:28:00,968
of communication, which suggests the
quality of our relationship matters.
470
00:28:00,968 --> 00:28:03,668
It's not just being in a
relationship, being in a high
471
00:28:03,668 --> 00:28:06,068
quality relationship that can have.
472
00:28:06,503 --> 00:28:09,953
Beneficial effects for our immune
functioning and being in a negative
473
00:28:09,953 --> 00:28:12,533
relationship can have harmful
effects on our immune functioning.
474
00:28:12,683 --> 00:28:15,653
Speaker 2: Her primary research
focuses how everyday life stressors
475
00:28:15,653 --> 00:28:19,073
affect our relationships, and she
gives such a wonderful explanation
476
00:28:19,343 --> 00:28:23,333
on how stressors like traffic or a
big meeting at work can spill over
477
00:28:23,333 --> 00:28:25,133
into our romantic relationships.
478
00:28:25,958 --> 00:28:26,378
Kelsy: So.
479
00:28:26,963 --> 00:28:27,683
Something
480
00:28:27,713 --> 00:28:31,523
Lisa: that I think people really need
to keep in mind and you know, when you
481
00:28:31,523 --> 00:28:34,673
hear about what does it take to keep a
relationship strong people are often,
482
00:28:34,673 --> 00:28:38,663
like, as I said earlier, communication
and gratitude and all these things, but
483
00:28:38,663 --> 00:28:43,823
we're not thinking about our broader
life circumstances that all of those
484
00:28:43,823 --> 00:28:45,653
stressors we face outside the home.
485
00:28:45,653 --> 00:28:45,713
So.
486
00:28:46,553 --> 00:28:48,503
Those stressors we have at work.
487
00:28:48,683 --> 00:28:50,723
Maybe it's caring for aging parents.
488
00:28:50,753 --> 00:28:52,793
Maybe it's a fight we have with a friend.
489
00:28:53,093 --> 00:28:56,663
Maybe it's just getting stuck
in a horrible Austin traffic.
490
00:28:56,663 --> 00:28:57,023
You know what?
491
00:28:57,023 --> 00:29:02,513
Whatever that stressor is, those stressors
change our, our mood, our wellbeing,
492
00:29:02,513 --> 00:29:05,783
and we take that home with us and it
spills over into our relationship.
493
00:29:05,783 --> 00:29:09,263
It's a process known as stress spillover,
that stressors we experience outside
494
00:29:09,263 --> 00:29:13,823
the home, spill over and affect the way
we think and behave inside the home.
495
00:29:14,798 --> 00:29:18,068
I'll talk a little bit first about
the way stressors affect us and
496
00:29:18,068 --> 00:29:21,368
then I can break it down between
like bigger and daily hassles.
497
00:29:21,518 --> 00:29:26,888
But I've done a lot of work on
all the ways stress can interfere
498
00:29:27,068 --> 00:29:29,258
with constructive relationships.
499
00:29:29,288 --> 00:29:35,078
And basically what stress does is
first it gives us more problems in the
500
00:29:35,078 --> 00:29:36,878
relationship that we have to cope with.
501
00:29:37,328 --> 00:29:41,468
And second and independently it
hinders our ability to cope with
502
00:29:41,468 --> 00:29:43,118
any problems that do crop up.
503
00:29:43,868 --> 00:29:45,128
In an adaptive fashion.
504
00:29:45,128 --> 00:29:47,138
And so let me give
examples of both of those.
505
00:29:47,738 --> 00:29:51,458
First, stress gives us more problems
to deal with in the relationship.
506
00:29:52,088 --> 00:29:54,878
What the research shows is
that, you know, we all know we
507
00:29:54,878 --> 00:29:56,168
only have 24 hours in the day.
508
00:29:56,348 --> 00:29:58,298
That is a reality that we all face.
509
00:29:58,628 --> 00:30:03,968
And so every minute that you spend
coping with your stressors is a minute.
510
00:30:04,028 --> 00:30:06,128
You're not spending
nurturing the relationship.
511
00:30:06,668 --> 00:30:11,558
When partners are coping with more work
stress, more life stressors, whatever, you
512
00:30:11,558 --> 00:30:15,728
know, financial stressors, whatever the
stressors may be, they're often spending
513
00:30:15,728 --> 00:30:18,248
less time building that emotional capital.
514
00:30:18,248 --> 00:30:20,918
They're not engaging in
those nurturing activities.
515
00:30:21,248 --> 00:30:25,958
People who have more stress report,
having less time with their partner, and
516
00:30:25,958 --> 00:30:27,578
again, we only have 24 hours in the day.
517
00:30:27,578 --> 00:30:29,978
If you're working late, that is
time you're not spending with your
518
00:30:29,978 --> 00:30:33,938
partner, and they report that the
limited time they do have with
519
00:30:33,938 --> 00:30:35,683
their partner is less satisfying.
520
00:30:36,563 --> 00:30:40,403
Instead of going on that date
night or doing those things
521
00:30:40,403 --> 00:30:41,543
to nurture the relationship.
522
00:30:41,543 --> 00:30:44,453
When you're faced with a lot of stress,
often the time you're sharing with your
523
00:30:44,453 --> 00:30:46,643
partner is coping with the stress, right?
524
00:30:46,643 --> 00:30:49,583
If you have financial difficulties, you're
talking about how to work through that.
525
00:30:49,583 --> 00:30:51,383
You're not going on a date
night with each other.
526
00:30:51,803 --> 00:30:56,243
And so what happens when people are
more stressed is they start to feel a
527
00:30:56,243 --> 00:30:58,373
little bit more emotionally disconnected.
528
00:30:58,778 --> 00:31:02,378
I also have research that shows they're
physically disconnected as well.
529
00:31:02,618 --> 00:31:05,078
This was a study of newlyweds,
and again, newlyweds.
530
00:31:05,078 --> 00:31:06,308
They're in the early phases.
531
00:31:06,308 --> 00:31:09,068
Everything's usually pretty
unicorns and rainbows.
532
00:31:09,458 --> 00:31:15,698
But uh, I found that even in newlyweds on
days when they had just one stressor, they
533
00:31:15,698 --> 00:31:18,848
were less likely to engage in physical
intimacy with their partner compared to
534
00:31:18,848 --> 00:31:20,408
days when they didn't have any stress.
535
00:31:20,558 --> 00:31:24,548
So it interferes with that kind of
connection that we have with our partner.
536
00:31:25,358 --> 00:31:31,988
In addition to just creating more of that
disconnect, when we're stressed, we have
537
00:31:32,018 --> 00:31:36,308
more difficulty addressing the problems
that do crop up in our relationship.
538
00:31:36,398 --> 00:31:40,898
If the limited time we have with our
partner has to be spent coping with the
539
00:31:40,898 --> 00:31:42,758
stressors, well then maybe we'll be okay.
540
00:31:42,758 --> 00:31:47,738
If we can use good communication, right,
we can effectively talk through conflict,
541
00:31:47,738 --> 00:31:49,148
we can effectively support each other.
542
00:31:49,808 --> 00:31:51,638
Stress interferes with all of that.
543
00:31:52,028 --> 00:31:55,118
So one thing stress does, I can
sort of walk through a sequence
544
00:31:55,118 --> 00:31:57,128
of events when we're stressed.
545
00:31:57,338 --> 00:32:00,428
You can think about it as a, it's
a filter in how we view the world.
546
00:32:00,458 --> 00:32:02,888
You know, think about when you're
really stressed out, there's
547
00:32:02,888 --> 00:32:04,268
sort of a cloud hanging over you.
548
00:32:04,328 --> 00:32:07,508
There's a negativity and that
filter comes home with us.
549
00:32:07,748 --> 00:32:13,058
So we found in our research that even
among newlyweds who generally see
550
00:32:13,058 --> 00:32:15,878
the best in their partner, they're
more likely to focus on the good
551
00:32:15,878 --> 00:32:18,338
and downplay the minor negatives.
552
00:32:18,908 --> 00:32:23,738
When they're stressed, partners
are more likely to focus on each
553
00:32:23,738 --> 00:32:27,248
other's negative qualities and less
so on their positive qualities.
554
00:32:27,518 --> 00:32:32,558
So if I'm stressed out, I am much more
likely to notice that my partner didn't
555
00:32:32,558 --> 00:32:36,878
unload the dishwasher and not to notice
the other good things they did that day.
556
00:32:36,908 --> 00:32:40,358
So when we're stressed, sort of
just colors the way we see things
557
00:32:40,358 --> 00:32:44,288
and negativity stands out more,
once we notice that negativity.
558
00:32:45,083 --> 00:32:48,893
If we're stressed, we're more likely
to blame our partner for it as opposed
559
00:32:48,893 --> 00:32:50,273
to give them the benefit of the doubt.
560
00:32:50,543 --> 00:32:56,483
Normally, happy couples when their partner
messes up, they have a grace, right?
561
00:32:56,483 --> 00:32:59,183
They're more likely to be like,
okay, you said you were gonna
562
00:32:59,183 --> 00:33:00,323
do this, Aaron, you didn't.
563
00:33:00,383 --> 00:33:01,973
I know you've got a lot going on.
564
00:33:02,213 --> 00:33:03,683
I know this wasn't intentional.
565
00:33:03,713 --> 00:33:04,493
We'll deal with it.
566
00:33:04,943 --> 00:33:07,883
Versus if I'm stressed,
I'm more likely to think.
567
00:33:08,363 --> 00:33:10,163
You said you were gonna do
this errand, you didn't.
568
00:33:10,223 --> 00:33:11,993
You're an insensitive jerk, right?
569
00:33:11,993 --> 00:33:13,103
You did not pull your weight.
570
00:33:13,103 --> 00:33:16,943
Today, we're more likely to have that
more blaming interpretation of why
571
00:33:16,943 --> 00:33:18,563
they engage in that negative behavior.
572
00:33:19,283 --> 00:33:22,943
And when we try to talk to our
partner about it, we're more
573
00:33:22,943 --> 00:33:24,503
hostile in our communication, right?
574
00:33:24,503 --> 00:33:27,143
If we're already feeling, I've
noticed these negative things more,
575
00:33:27,143 --> 00:33:28,463
I'm blaming you more for them.
576
00:33:28,673 --> 00:33:32,273
I'm less constructive in talking
through those problems with my partner.
577
00:33:32,483 --> 00:33:35,063
When we do sit down to try
to talk through those issues.
578
00:33:35,708 --> 00:33:40,418
And just to really, the cherry on
top of this bad Sunday is we also
579
00:33:40,448 --> 00:33:43,358
become worse at being a support
provider when we're stressed.
580
00:33:43,358 --> 00:33:45,998
So if we go back to that, you
know, what does it take to
581
00:33:45,998 --> 00:33:47,528
be a good support provider?
582
00:33:47,828 --> 00:33:49,718
You have to notice your
partner needs support.
583
00:33:50,228 --> 00:33:55,328
If I'm stressed, I tend to become more
self-focused as opposed to other focused.
584
00:33:55,628 --> 00:34:00,038
So I am less likely to pick up on the
cues that my partner wants support.
585
00:34:00,713 --> 00:34:03,803
Let's say my partner's very direct
and they're like, Hey, I need support
586
00:34:03,803 --> 00:34:05,723
right now, so I know they want support.
587
00:34:06,173 --> 00:34:10,072
Our research also shows that if
I am stressed, even when I know
588
00:34:10,072 --> 00:34:12,683
my partner wants support, I'm
less likely to give it, right?
589
00:34:12,683 --> 00:34:16,402
I might feel overwhelmed, like
I don't have any resources to
590
00:34:16,402 --> 00:34:19,583
give, so I'm just less likely to
provide support in that moment.
591
00:34:20,063 --> 00:34:24,503
And if I do dig deep and try hard
to give that support, the support
592
00:34:24,503 --> 00:34:26,213
I give is usually of lower quality.
593
00:34:27,053 --> 00:34:32,123
It can really interfere with all these
levels of what it takes to keep your
594
00:34:32,123 --> 00:34:33,893
relationship happy and strong over time.
595
00:34:33,893 --> 00:34:36,713
So stress can be really
damaging to a relationship.
596
00:34:37,342 --> 00:34:40,402
Speaker 2: We pivoted a bit from
our typical health and wellness
597
00:34:40,402 --> 00:34:44,033
content to bring on a guest who is
an expert in, let's say, financial
598
00:34:44,033 --> 00:34:47,393
health and wellness, both when it
comes to personal finance and travel.
599
00:34:47,813 --> 00:34:50,422
Katie's a certified credit counselor
and writer for bank rate, so she
600
00:34:50,422 --> 00:34:53,513
knows a thing or two about money,
habits and, and how to approach
601
00:34:53,572 --> 00:34:56,092
money basics specifically as women.
602
00:34:56,393 --> 00:34:59,783
I love this next clip where she shares
some insight into how women should
603
00:34:59,928 --> 00:35:03,688
approach finances a bit differently
based on our own strengths and values.
604
00:35:04,683 --> 00:35:05,373
Katie: Oh my gosh.
605
00:35:05,373 --> 00:35:05,763
Yeah.
606
00:35:05,823 --> 00:35:09,033
We talk about standards that were
set by men, like two examples that
607
00:35:09,033 --> 00:35:10,503
come to mind are the fact that.
608
00:35:11,118 --> 00:35:14,658
The AC temperature in an office is
usually based on like an older man.
609
00:35:15,438 --> 00:35:18,648
And the second thing I'm thinking
of is how seat belts were
610
00:35:18,648 --> 00:35:20,388
designed to work with a man.
611
00:35:20,748 --> 00:35:25,278
And in a lot of ways, I think that
money guidance was also driven by men.
612
00:35:25,548 --> 00:35:29,508
I'm thinking specifically of
like Dave Ramsey and those
613
00:35:29,508 --> 00:35:31,668
mindsets are not necessarily.
614
00:35:32,013 --> 00:35:35,643
The best, nor are they the ones
that are most helpful for women.
615
00:35:35,643 --> 00:35:37,953
Women have different things
we wanna spend our money on.
616
00:35:38,163 --> 00:35:40,503
We're smarter at making certain decisions.
617
00:35:40,533 --> 00:35:44,913
For example, the idea that you shouldn't
have any debt, in my mind is an outdated
618
00:35:44,913 --> 00:35:47,253
way of thinking, like especially women.
619
00:35:47,253 --> 00:35:50,553
Depending on where you come
from, debt can be the tool that
620
00:35:50,553 --> 00:35:51,633
takes you to the next level.
621
00:35:51,948 --> 00:35:53,298
Not talking about credit card debt.
622
00:35:53,298 --> 00:35:57,828
I'm talking about like if you need debt
to elevate your education levels or
623
00:35:57,828 --> 00:36:00,348
your your wealth to start a business.
624
00:36:00,348 --> 00:36:02,148
Like those things benefit women.
625
00:36:02,178 --> 00:36:05,598
And I also don't prescribe
too total deprivation.
626
00:36:05,598 --> 00:36:10,428
I think that it's good to
want to treat yourself or.
627
00:36:11,013 --> 00:36:12,843
Add joy to your life
for your friend's life.
628
00:36:12,843 --> 00:36:13,563
Like you're saying.
629
00:36:13,563 --> 00:36:16,173
It's more about figuring out
how that fits in your budget.
630
00:36:16,173 --> 00:36:20,253
So anyway, I think there is a take
on money that women can have that's
631
00:36:20,313 --> 00:36:22,713
much more helpful to our finances.
632
00:36:22,803 --> 00:36:25,893
Speaker 2: She also shares things we
might need a closet clean out when it
633
00:36:25,893 --> 00:36:28,623
comes to our mindsets around finances.
634
00:36:29,183 --> 00:36:34,013
Kelsy: Are there certain mindsets or money
habits that we should closet clean out in
635
00:36:34,013 --> 00:36:36,653
2026 and sort of shed in this new year?
636
00:36:37,433 --> 00:36:38,063
Katie: Yes.
637
00:36:38,333 --> 00:36:42,413
I like this idea too because it's
not about doing more, adding this
638
00:36:42,413 --> 00:36:46,343
thing to your list, it's more about
just slightly tweaking your habits.
639
00:36:46,733 --> 00:36:50,753
One of the things I write about a lot
at Bankrate and probably 'cause I'm
640
00:36:50,753 --> 00:36:52,643
so guilty of it, is impulse shopping.
641
00:36:53,093 --> 00:36:54,833
You're scrolling on social media.
642
00:36:54,833 --> 00:36:58,943
You see this really cute set that
an influencer's wearing and you just
643
00:36:58,943 --> 00:37:02,723
need it right then, or I thrift a
lot and it's really easy to have the
644
00:37:02,723 --> 00:37:05,243
impulse mindset when you're thrifting
because you think like, if I don't
645
00:37:05,243 --> 00:37:06,623
get it today, it's gonna be gone.
646
00:37:07,058 --> 00:37:11,858
But if you do that for a $50 vintage
jacket every month, like, okay,
647
00:37:11,858 --> 00:37:14,288
now you don't need another jacket.
648
00:37:14,288 --> 00:37:15,428
Like there will always be more.
649
00:37:15,698 --> 00:37:20,468
Two ways that I prevent this are the wait
24 hours rule, which is like, I can always
650
00:37:20,468 --> 00:37:21,818
go back tomorrow if you really want it.
651
00:37:22,058 --> 00:37:24,488
It will still be on Etsy in 24 hours.
652
00:37:24,488 --> 00:37:27,248
That lets you look at your budget,
look at your closet, make sure
653
00:37:27,248 --> 00:37:28,898
it's like actually a good choice.
654
00:37:29,258 --> 00:37:30,638
And this could include a trip.
655
00:37:31,193 --> 00:37:32,783
Or an experience too, by the way.
656
00:37:32,783 --> 00:37:34,673
This isn't just like a
piece of clothing, right?
657
00:37:34,823 --> 00:37:37,943
And then also to create
friction between that purchase.
658
00:37:37,943 --> 00:37:41,393
And so what I mean is like, it's not
as easy as just having your credit
659
00:37:41,393 --> 00:37:44,123
card information saved on TikTok
shop, and you're like, perfect.
660
00:37:44,123 --> 00:37:45,203
Add to cart milk.
661
00:37:45,443 --> 00:37:48,833
Or like the Amazon app, or, my
gosh, I had to delete the Amazon
662
00:37:48,833 --> 00:37:51,653
app for my phone 'cause it was
getting too easy to just order.
663
00:37:52,223 --> 00:37:54,533
Off of some, you know, I don't
even feel like going to the store.
664
00:37:54,533 --> 00:37:55,643
I just need more shampoo.
665
00:37:55,643 --> 00:37:59,453
But then I was just wasting money and
wasted cardboard and shipping, and
666
00:37:59,453 --> 00:38:01,043
so I deleted the app off my phone.
667
00:38:01,043 --> 00:38:05,303
But creating friction between
your wants and that purchase.
668
00:38:05,363 --> 00:38:08,783
But like I was saying, I'm not
a huge fan of total deprivation,
669
00:38:08,783 --> 00:38:10,733
so it's okay to want things.
670
00:38:10,853 --> 00:38:12,683
That's when that budgeting
act comes into play.
671
00:38:12,683 --> 00:38:15,473
Look at how much money you have,
how much is left for that month.
672
00:38:15,803 --> 00:38:19,253
Instead of shopping impulsively,
you can shop strategically.
673
00:38:20,063 --> 00:38:23,633
Another habit that I think we
could stand to break is carrying
674
00:38:23,633 --> 00:38:24,833
a balance on our credit cards.
675
00:38:25,163 --> 00:38:29,033
This I thought was kind of
something everyone prescribed too.
676
00:38:29,093 --> 00:38:32,213
'cause I was taught this from an early
age, like always pay off your balances.
677
00:38:32,213 --> 00:38:32,303
But.
678
00:38:32,888 --> 00:38:37,358
In speaking with people at work and
in personal life, I have realized this
679
00:38:37,358 --> 00:38:39,308
isn't necessarily a universal idea.
680
00:38:39,308 --> 00:38:45,218
People will put vacations or lifestyle
purchases on a credit card and use
681
00:38:45,218 --> 00:38:47,378
it as a way to pay it off over time.
682
00:38:47,468 --> 00:38:52,568
But credit card interest is one of
the most expensive forms of debt.
683
00:38:52,598 --> 00:38:56,438
It's like 19% right now, which is actually
a little lower than it's been, but
684
00:38:56,438 --> 00:38:59,348
the highest card can have a 30% rate.
685
00:38:59,378 --> 00:39:00,278
And the thing about.
686
00:39:00,653 --> 00:39:02,543
Credit card interest is at it compounds.
687
00:39:02,543 --> 00:39:06,863
So if you pay a little bit in interest
today, tomorrow you're gonna pay a
688
00:39:06,863 --> 00:39:08,993
little bit more on top of your interest.
689
00:39:09,023 --> 00:39:10,763
It's just a dangerous game to play.
690
00:39:10,763 --> 00:39:16,043
So paying off your balance in full if
you can, should always be like number
691
00:39:16,043 --> 00:39:19,553
one priority when it comes to looking
at your money at the end of the month.
692
00:39:20,333 --> 00:39:23,123
And then a third habit I think
that we could stand to break is
693
00:39:23,123 --> 00:39:25,313
letting money drive your emotions.
694
00:39:25,673 --> 00:39:29,393
And I say this one with all the love
and grace because I used to have a lot
695
00:39:29,393 --> 00:39:33,893
of money anxiety, like when I would
check my money at the end of the month
696
00:39:33,953 --> 00:39:38,753
and say I spent a little too much,
or I didn't have enough left to save.
697
00:39:38,783 --> 00:39:44,303
I felt like weird guilt and anxiety
when really money is a lifelong
698
00:39:44,303 --> 00:39:48,773
practice, it takes time to be
good at it, but if you're feeling.
699
00:39:49,343 --> 00:39:53,543
You know, fearful or anxious about
it, you might be more inclined to
700
00:39:53,543 --> 00:39:55,703
impulse shop 'cause you're like,
I'll never get the hang of it.
701
00:39:55,703 --> 00:39:57,533
Let me just buy this thing
to make myself feel better.
702
00:39:57,683 --> 00:40:00,713
Or sometimes like loneliness
can drive purchases.
703
00:40:01,043 --> 00:40:04,643
And I would say overall, the more
that you can separate your emotions
704
00:40:04,643 --> 00:40:08,633
from money this year and just
approach it very rationally, like as
705
00:40:08,633 --> 00:40:10,433
a tool, nothing more, nothing less.
706
00:40:10,433 --> 00:40:12,203
It's not a reflection of your character.
707
00:40:12,548 --> 00:40:15,308
That will help you just have
more base around money and
708
00:40:15,308 --> 00:40:16,568
make better decisions with it.
709
00:40:16,758 --> 00:40:20,328
Speaker 2: Lastly, Katie was able to give
us some travel tips and tricks to make
710
00:40:20,328 --> 00:40:25,068
travel more achievable in 2026 and work
with our finances rather than feeling
711
00:40:25,128 --> 00:40:30,228
guilty about such an expensive purchase
when it comes to something like travel.
712
00:40:30,558 --> 00:40:33,528
Kelsy: What are some of those things that
you wish you knew when it came to travel?
713
00:40:34,008 --> 00:40:37,218
Katie: When I became a credit cards
writer, ironically, I learned so
714
00:40:37,218 --> 00:40:40,188
much about how to help myself in
my personal life when it comes
715
00:40:40,188 --> 00:40:44,718
to taking advantage of like free
credit card stuff, and I say this.
716
00:40:45,318 --> 00:40:49,038
With the caveat that you need
to be a responsible credit user,
717
00:40:49,038 --> 00:40:50,808
like don't carry a balance.
718
00:40:50,808 --> 00:40:54,438
I don't want you to ruin your credit score
for this, but for example, some of the
719
00:40:54,438 --> 00:41:00,438
best travel cards out there will give you
like 50 to a hundred thousand points as
720
00:41:00,438 --> 00:41:04,968
a welcome bonus when you get them, and
you have to reach them by spending like
721
00:41:05,298 --> 00:41:09,708
$4,000 in three months, which kind of
sounds like a lot, but if you look at your
722
00:41:09,708 --> 00:41:12,768
budget, it's usually pretty achievable
or you can time it with a big purchase.
723
00:41:13,173 --> 00:41:16,923
So I use these welcome
bonuses to pay for my trips.
724
00:41:17,313 --> 00:41:20,373
And what I mean by that is like,
for example, my fiance and I
725
00:41:20,373 --> 00:41:22,953
are planning a wedding, we're
gonna wanna go on a honeymoon.
726
00:41:23,013 --> 00:41:25,443
I just applied for one of these cards.
727
00:41:25,773 --> 00:41:30,633
I'm gonna use it to pay for some of
the down payments on my wedding stuff.
728
00:41:30,873 --> 00:41:32,883
Earn the welcome bonus,
which right now is.
729
00:41:33,183 --> 00:41:35,673
I'll even tell you it's
Capital One Venture Card.
730
00:41:35,673 --> 00:41:38,133
They're having a boosted
welcome bonus right now.
731
00:41:38,133 --> 00:41:43,353
So you get 75,000 points and you get
a $250 Capital One travel credit.
732
00:41:44,073 --> 00:41:48,873
And when you get that, by spending
$4,000 like that is gonna pay
733
00:41:48,873 --> 00:41:52,473
for honeymoon flights that will
pay for one of our hotel nights.
734
00:41:52,503 --> 00:41:52,863
You know?
735
00:41:53,283 --> 00:41:57,363
And otherwise, like in my early
twenties, ironically, I had less money.
736
00:41:57,783 --> 00:42:01,113
I was paying for all of this out
of pocket 'cause I didn't know.
737
00:42:01,323 --> 00:42:05,103
And so anyway, that's my advice is to
explore credit cards with welcome bonuses
738
00:42:05,373 --> 00:42:11,313
and then use a travel credit card for
all your other stuff too at bank rate.
739
00:42:11,313 --> 00:42:15,903
I have statistically found that
people prefer cashback cards.
740
00:42:15,933 --> 00:42:19,863
I genuinely think it's just easier
to understand you get this much
741
00:42:19,863 --> 00:42:23,553
dollar for this much spend, but
travel points actually tend to
742
00:42:23,553 --> 00:42:24,993
be worth more than cash back.
743
00:42:25,368 --> 00:42:29,538
It's so much more rewarding to
pay for a flight than to get
744
00:42:29,538 --> 00:42:31,548
like money back as a statement.
745
00:42:31,548 --> 00:42:32,568
Credit on your card.
746
00:42:32,928 --> 00:42:37,998
So use your capital card to pay for
groceries, to pay for your essentials,
747
00:42:37,998 --> 00:42:41,178
and then you can use that stash
of points to pay for your chips.
748
00:42:41,178 --> 00:42:44,538
So that's my biggest money tip
for young people that I wish I
749
00:42:44,538 --> 00:42:45,828
had known in my early twenties.
750
00:42:46,278 --> 00:42:49,938
And other tips would be to do
things like travel during the off
751
00:42:49,938 --> 00:42:53,118
season, live like a local, save
your money and do things like that.
752
00:42:53,598 --> 00:42:56,148
Speaker 2: We ended the festival by
bringing everything together with
753
00:42:56,148 --> 00:42:58,878
Aaron, who is a Certified Habit
coach, author, and the founder
754
00:42:58,908 --> 00:43:00,528
of the Habit Coach Professionals.
755
00:43:01,218 --> 00:43:06,318
I love the way she teaches about habits,
goals, behaviors, routines, and all of
756
00:43:06,318 --> 00:43:07,998
the behavioral science that goes into it.
757
00:43:08,538 --> 00:43:11,208
It will definitely be an episode
I listened to year after year.
758
00:43:11,208 --> 00:43:13,098
I'm very excited for her book to come out.
759
00:43:13,098 --> 00:43:16,368
She's also launching a newsletter
program that I'll leave the link
760
00:43:16,368 --> 00:43:17,958
below for that if you guys wanna join.
761
00:43:17,958 --> 00:43:19,008
I know I definitely will be.
762
00:43:19,278 --> 00:43:20,478
I've already joined her.
763
00:43:21,258 --> 00:43:25,968
Launch Ambassador program to help get
the word out because I really do feel
764
00:43:25,968 --> 00:43:31,428
like she educates about behaviors and
habits and routines in such a tangible
765
00:43:31,428 --> 00:43:35,148
way for a lot of us, just everyday people.
766
00:43:35,718 --> 00:43:38,268
So here's a little glimpse
into our conversation together.
767
00:43:39,423 --> 00:43:40,083
Kelsy: So I think there's.
768
00:43:40,458 --> 00:43:43,758
A little bit of a difference between
like goals and maybe our habits,
769
00:43:43,938 --> 00:43:45,348
but perhaps there shouldn't be.
770
00:43:45,348 --> 00:43:46,068
As I'll explain.
771
00:43:46,068 --> 00:43:48,528
So oftentimes people, there
are three levels of goals.
772
00:43:48,558 --> 00:43:51,108
If you've ever read Atomic Habits
by James Claire, he's talked about
773
00:43:51,108 --> 00:43:54,288
this, but there are outcome goals,
there are process goals, and then
774
00:43:54,288 --> 00:43:55,488
there are identity based goals.
775
00:43:55,758 --> 00:43:59,358
So most people, especially with their
New Year's resolution, set outcome goals.
776
00:43:59,658 --> 00:44:01,908
I wanna lose 25 pounds by X date.
777
00:44:02,118 --> 00:44:03,768
I wanna meditate more.
778
00:44:03,768 --> 00:44:05,328
I wanna feel better.
779
00:44:05,328 --> 00:44:09,198
They're kind of like these long
things that are out, not very much
780
00:44:09,198 --> 00:44:12,228
definition around them, and therefore
we don't have much control over them.
781
00:44:13,413 --> 00:44:15,093
Process goals are the next step.
782
00:44:15,093 --> 00:44:15,693
That's really good.
783
00:44:15,693 --> 00:44:17,793
Those are the actions that
are gonna actually get us to
784
00:44:17,793 --> 00:44:18,993
those outcomes that we want.
785
00:44:18,993 --> 00:44:22,323
So maybe I'm actually in the gym for
20 minutes doing strength training
786
00:44:22,323 --> 00:44:25,773
three times a week, or I'm reading 10
minutes every morning if I wanna be a
787
00:44:25,773 --> 00:44:29,433
better reader or writing whatever those
goals might be, meditating whatnot.
788
00:44:29,763 --> 00:44:31,113
Then there's the identity goals.
789
00:44:31,113 --> 00:44:33,213
It's like, who do I want to be?
790
00:44:33,213 --> 00:44:37,593
What is an innately feels like
me and the values I have and
791
00:44:37,593 --> 00:44:39,003
how I wanna live out my life?
792
00:44:39,063 --> 00:44:42,273
So digging deeper from that just
outcome based goal that most of us
793
00:44:42,273 --> 00:44:45,993
set into those process, and then even
identity goals are gonna help us stick
794
00:44:45,993 --> 00:44:48,273
longer when it comes into habits.
795
00:44:48,603 --> 00:44:53,823
And the behaviors for those behavior
based goals, behavior's, very complex.
796
00:44:54,483 --> 00:44:57,063
Most people don't realize it, but
it's not just like, I wanna do this
797
00:44:57,063 --> 00:44:58,148
thing, so I'm gonna do this thing.
798
00:44:58,848 --> 00:45:02,688
There are a variety of things that
go into how we make decisions, and
799
00:45:02,688 --> 00:45:05,898
then what makes behaviors happen,
and then how does a behavior actually
800
00:45:05,898 --> 00:45:07,938
get repeated and turned into a habit.
801
00:45:08,208 --> 00:45:11,568
So if we are looking to build better
habits, we need to look into things
802
00:45:11,568 --> 00:45:13,608
like what is activating our habits?
803
00:45:13,998 --> 00:45:17,808
So both internally, so things
like thoughts, feelings, emotions,
804
00:45:17,808 --> 00:45:22,248
sensations, and externally, all of the
dings and pings in our environment.
805
00:45:22,248 --> 00:45:25,158
Smells, you know, if you always drive
by a drive through and you always
806
00:45:25,158 --> 00:45:28,728
smell the burger and fries, are
you activated to go get fast food?
807
00:45:28,998 --> 00:45:31,758
Um, the people you see in your
environment, friends, family,
808
00:45:31,758 --> 00:45:35,658
coworkers at home, at work, wherever
you might be in your third space.
809
00:45:36,048 --> 00:45:38,208
And then just what's around
your home space, you know?
810
00:45:38,553 --> 00:45:41,253
Do you have healthy food sitting
out or is it junk food sitting out?
811
00:45:41,253 --> 00:45:44,613
Do you have things that are gonna
encourage you to be active or sit around?
812
00:45:44,883 --> 00:45:47,763
Do you have things that are gonna
encourage you to read, to meditate, to
813
00:45:47,763 --> 00:45:50,163
write, to be a good partner or a friend?
814
00:45:50,523 --> 00:45:53,763
Um, so those things in our
environment are super important
815
00:45:53,763 --> 00:45:55,053
to triggering the behaviors we do.
816
00:45:55,053 --> 00:45:58,533
We think we have free will, but
oftentimes it's these things in our
817
00:45:58,533 --> 00:46:01,923
environment within us and around us
that are triggering us to do things.
818
00:46:01,923 --> 00:46:03,933
So we need to take note of those things.
819
00:46:04,233 --> 00:46:05,853
We also need to have the ability.
820
00:46:06,528 --> 00:46:10,428
To do the behavior which people
think, you know, of course I can
821
00:46:10,458 --> 00:46:13,488
write every day, or of course I can
eat healthy, like I have the ability.
822
00:46:13,488 --> 00:46:17,688
But there are so many things that go
into ability, the knowledge to do it,
823
00:46:17,718 --> 00:46:21,498
the skills to do it, the resources
to be able to do it, but also our own
824
00:46:21,498 --> 00:46:23,358
perceived ability and self-efficacy.
825
00:46:23,928 --> 00:46:28,668
So do we have the confidence that we can
do this not just on like day one, when
826
00:46:28,668 --> 00:46:30,708
we're like super motivated in gung-ho.
827
00:46:31,098 --> 00:46:34,968
But on our worst possible day when
like shit has hit the fan and you
828
00:46:34,968 --> 00:46:37,278
know everything's going wrong, and
I still need to be able to take
829
00:46:37,278 --> 00:46:41,058
action and build this identity that
I want to have through my actions.
830
00:46:41,478 --> 00:46:45,498
I think the most overlooked one is we
need to have a rewarding experience.
831
00:46:45,708 --> 00:46:50,568
People often forget about this, but we
are wired for immediate gratification that
832
00:46:50,568 --> 00:46:55,218
is millennia of evolution, nudging us in
the direction of going towards whatever
833
00:46:55,218 --> 00:46:58,608
is gratifying immediately and rewarding
immediately and enjoyable immediately.
834
00:46:59,253 --> 00:47:03,183
And if we fight that, we're literally just
beating our head against the brick wall.
835
00:47:03,183 --> 00:47:05,493
So instead of fighting it,
why don't we work with it?
836
00:47:05,823 --> 00:47:09,633
So a lot of times the things that
are valuable to us and the changes
837
00:47:09,633 --> 00:47:11,403
we want to make, they're hard to do.
838
00:47:11,673 --> 00:47:13,023
They're unpleasant to do.
839
00:47:13,263 --> 00:47:16,953
And so how do we make those
more enjoyable and easier to do?
840
00:47:17,253 --> 00:47:20,763
And then we just have to have our
environments set up so that we can
841
00:47:20,763 --> 00:47:26,163
consistently repeat the things we want
to do or set up so we don't consistently
842
00:47:26,163 --> 00:47:27,993
repeat the things we don't want to do.
843
00:47:28,368 --> 00:47:31,668
And that's just, you know, a
summary and it gets very, very
844
00:47:31,668 --> 00:47:34,248
complex when you actually start
to assess those things and dig in.
845
00:47:34,248 --> 00:47:37,128
But that's what I would take note
as far as like building a habit.
846
00:47:37,158 --> 00:47:40,488
And then the goals we set should be more
focused towards those behavior-based
847
00:47:40,488 --> 00:47:44,388
goals and identity-based goals as
opposed to our outcome-based goals.
848
00:47:44,818 --> 00:47:48,478
Speaker 2: I'm so, so grateful to all of
our wonderful guests for chatting with
849
00:47:48,478 --> 00:47:52,318
us, teaching with us, and allowing us
to learn from their research knowledge
850
00:47:52,318 --> 00:47:56,278
and years and years of expertise,
whether clinical or in the lab.
851
00:47:56,818 --> 00:47:57,718
I had so much fun.
852
00:47:57,718 --> 00:47:59,428
I learned a lot, and I
hope you guys did too.
853
00:47:59,428 --> 00:48:03,028
I was so, so excited to be able to
share these conversations with you guys.
854
00:48:03,208 --> 00:48:08,938
So if you enjoy learning just as much as
I do, I hope you also learn so much from.
855
00:48:09,523 --> 00:48:12,043
Each of our wonderful women
that we've had on the podcast
856
00:48:12,043 --> 00:48:13,933
over the last four-ish weeks.
857
00:48:14,443 --> 00:48:18,493
I also just wanted to say a special thanks
to each of you guys for supporting and
858
00:48:18,493 --> 00:48:23,713
following along, listening and learning
along with me sharing these episodes.
859
00:48:23,713 --> 00:48:25,063
It means the world to me.
860
00:48:25,453 --> 00:48:28,813
I have seen a lot of growth over the last
six months and I have you guys to thank,
861
00:48:28,813 --> 00:48:32,923
so please let me know if there is ever
anything that you wanna hear more of.
862
00:48:32,953 --> 00:48:35,713
If you enjoy certain topics a little more.
863
00:48:35,713 --> 00:48:40,573
I am basing it based off the numbers
and a lot of the numbers have guided me
864
00:48:40,573 --> 00:48:43,813
towards different experts that I know
you guys are interested in learning
865
00:48:43,813 --> 00:48:46,063
from based on our past episodes.
866
00:48:46,093 --> 00:48:49,903
But if there's ever anything you guys
wanna learn about a little bit more or.
867
00:48:50,278 --> 00:48:54,058
Have me reach out to certain experts
in that field, please let me know.
868
00:48:54,148 --> 00:48:55,108
I would be happy to.
869
00:48:55,108 --> 00:48:57,688
I love having these conversations.
870
00:48:57,688 --> 00:49:00,268
I love being able to share them
with you guys, and I'm just
871
00:49:00,268 --> 00:49:02,038
grateful for all of your support.
872
00:49:02,038 --> 00:49:06,628
No matter if that's listening every
week, sharing an episode or subscribing,
873
00:49:06,628 --> 00:49:10,558
following along, leaving a review,
following along, liking posts on
874
00:49:10,558 --> 00:49:12,178
social media, that also helps as well.
875
00:49:12,178 --> 00:49:14,128
So I'm just very grateful for you guys.
876
00:49:14,158 --> 00:49:14,548
Thank you.
877
00:49:14,548 --> 00:49:19,048
I hope you are enjoying this podcast
just as much as I enjoy creating it.
878
00:49:19,543 --> 00:49:20,683
So that wraps up Coachella.
879
00:49:20,683 --> 00:49:24,133
I hope you guys enjoyed it and I
will see you guys again for our next
880
00:49:24,133 --> 00:49:25,603
episode on Wellness Fix the Pop.