Message from Niv:

MONEY:

With free time still available from social distancing, use it to sort through your finances in preparation for an economic downturn. Taking action now will give you confidence as the economy slowly recovers.

Here are two lists to help you begin. The first list is if your cash flow is good. The second list is if you’re struggling with your cash flow.

LIFE:

Use the 5 P's of Life to define your lifestyle. Once you know what you want to accomplish, you'll find it easier to save for your goals.
 
Below is a tip from each category. Click on it to read more tips.

Personal Relationship Tip: 
Break the closeness communication bias with your spouse by talking more about their joys and struggles instead of discussing the mundane logistics of household chores.

Personal Finance Tip:
Instead of downsizing to a lower-cost home in retirement, consider sharing your space with a senior renter.

Profession Tip:
Be productive when working from home by creating boundaries between your personal life and work-life – set a schedule and define your work space.

Peace of Mind Tip: 
Stop anxiety from controlling your life by learning how to recognize it and how to cope with it.

Physical Health Tip:
Verify the services on your invoice and contact your health care provider to request a payment plan if unexpected medical costs are creating a financial hardship for you.