Let’s Talk FAM (Finances and Medicine...and more).

529 Plan: 5 reasons you should have one (or more) Let's talk 529 plans. If you have or plan to have children, then you should know about 529 plans and have one for each child. 529 plans are state (or institution) sponsored tax advantaged savings accounts that encourage saving for future education costs ( source: sec.gov ).  Higher learning is EXPENSIVE! Wouldn't it have been a blessing if you had funds from a 529 plan to put towards or completely cover the cost of your education?!  Student loan debt is a huge burden that has far reaching impacts on the futures of borrowers. The effects can seem all encompassing; affecting the jobs you take, the ability to move out of your childhood home, own a home of your own, or start a family.  According to  educationdata.org , "the average federal student loan debt is $37,574 per borrower, [while] private student loan debt averages $54,921... [and] 20 years after entering school, half of the student borrowers still owe $20,000......

5 Benefits of Yoga Namaste. Let's talk Yoga. Yoga was one of the most common “prescriptions” when I worked in psychiatry. In fact, yoga can be offered as part of the therapeutic program at inpatient psychiatric hospitals. According to this  article , “yoga is the most commonly used complementary health approach in the United States.” And do you want to know the best part? There are no side effects! There are many reasons we could all benefit from practicing yoga. Let’s look at five benefits of yoga.   1. For your mental health Y oga is wonderful for your mental health because it teaches you how to breathe and focus on the present moment. When I worked in psychiatry, my mentor told me this: people who focus too much on the past are depressed, and people who focus too much on the future are anxious. Because you can’t change either. Learning how to focus on your breathing and to be fully present in the now can be a powerful emotional regulation skill and coping mechanism. Yoga ca...

Best Stain Remover for Stains on Clothing Let's talk stains on clothing. Clothing is a tricky topic. It's a need, but according to  the Pareto Principle , only 20% of our wardrobe is worn 80% of the time. For the purpose of this post, lets focus on the 20% of our wardrobe that’s getting the most action! You’re doing life in these clothes. Stains on clothing are inevitable.   During the COVID-19 pandemic, I got pretty good at removing stains on clothing. Since I have a somewhat messy toddler, I had a lot of opportunities to practice! Here’s what I learned.   The Basics The following principles apply to ALL stains: The best stain treatment is AVOIDANCE . If you know you or your child is likely to get messy, maybe pass on the family heirloom garment. If you can, opt for “play clothes” that you don’t mind getting dirty. Utilize aprons or bibs if you’d like to preserve the garments, but it’s not a huge deal if they get ruined. Have your tot go topless and/or pant-less (if it’s...

Why Can't I Sleep? 10 Steps for Good Sleep Hygiene Sleep is essential to function properly. Good sleep hygiene supports the ability to regulate emotions and hunger, manage stress, concentrate and complete tasks, learn, process and retain new information.  NOT getting enough sleep increases the risk of certain medical conditions  (nih.gov) . I’m sure you’ve heard or said the phrase, “I’ll sleep when I’m dead.” Or you’ve gotten the impression that the lack of sleep that accompanies parenthood is considered a badge of honor.  But there’s nothing admirable about sleep deprivation; in fact, it is  a torture method. Thankfully, our culture seems to be shifting its attitude towards rest. There’s no shame in resting; in fact, sleep should be a priority!   If you sleep well, then I don't care what you do (as long as it's safe)! But if sleep is a struggle, then you may benefit from implementing a good sleep hygiene routine.  Lifestyle changes should almost alway...

Looking to save money? 4 High Yield Savings Accounts you should check out!  Let’s talk high yield savings accounts (HYSAs). Gone are the days of having “mattress money.” Or at least they should be. Why? Because you should not be keeping your emergency fund under your bed! Wouldn’t it be better to put your money where it could make you MORE money while you sleep instead?   If you have an emergency fund, you are already ahead of the game. Check out this article  that states only 44% of Americans can cover a $1,000 emergency expense from their savings. An emergency or rainy day fund is just what it sounds like: money set aside for unforeseen costly circumstances. Think car or home repairs, medical emergencies, pet injuries - you get the picture. These things can happen to anyone, so we should all prepare for them. You’ll find that the more prepared you are, the less emergencies you will experience! So what should you do? First, aim to have $1,000 set aside. Ideally, you will...

Suffering from dry skin?! 5 things to stop doing to relieve dry skin.  Let's talk dry skin. Your skin is your largest organ, your body's interface with and protection from the environment. Keep it moisturized and intact! I trained in a dermatology office as a physician assistant student. Dry skin was a common complaint. Many clients were shocked at the advice they were given: "I paid a specialist copay for this?!" was a common sentiment. Relieve dry skin by stopping these 5 things, and you may save yourself a trip to the doctor's office! 1. Bathing Frequently  Water exposure can be drying and irritating. Reevaluate how many times you are bathing, and for how long. Consider decreasing the overall amount of time you are immersed in water.   2. Bathing in hot water Hot water is especially drying. In addition to the amount of time you spend in water, consider lowering the temperature of the water. Check out this  article  that says ideal water temperature is be...

Let’s talk Mongolian spots. Have you heard of them? I’m shocked at how many people haven’t, particularly those who work with children. I suppose it depends largely on the demographics of your area. Mongolian spots are areas of increased melanocyte activity (melanocytes are the cells that produce pigment or color in our skin). These spots are most common in people with tan or brown skin; Asian, Native American, Hispanic, East Indian, African. Mongolian spots are congenital, meaning they appear at or shorty after birth, and they may or may not fade or disappear over time. They are completely benign, and are not associated with any other medical conditions. Because Mongolian spots are common on the back at the base of the spine and on the buttocks, and tend to be bluish gray in color, they can look like bruises.  The majority of professionals who work with or may come in contact with children are mandatory reporters. This means that if we SUSPECT child abuse, then we are required to r...