Live Better
Planning for the future
Taking inventory of your financial health
(Family Features) Only 28% of Americans are financially healthy, according to the U.S. Financial Health Pulse. Most others will have difficulty reaching long-term financial goals and are more vulnerable to the threat of financial shocks, such as car trouble, unforeseen medical bills or job loss.
Regardless of income or wealth, the road to financial health – how you are able to manage your day-to-day financial life while building for the future – can be a lifelong journey. What you do today can build toward or detract from your long-term resilience and ability to pursue opportunities. Whether you want to take that dream vacation, prepare for retirement or save for college, financial health takes effort to build.
“An overwhelming majority of the country is experiencing financial challenges that have lasting effects on people’s lives, on their ability to weather the inevitable ups and downs and on their chances to pursue their dreams,” said Jennifer Tescher, CEO of the Center for Financial Services Innovation (CFSI), the nation’s authority on consumer financial health. “Each year, CFSI and MetLife Foundation join forces on #FinHealthMatters Day to highlight the importance of financial health, especially for the 180 million people who are financially vulnerable.”
These questions can serve as a starting point to take inventory of your financial health:
- Are you spending less than you make? Regardless of your income level, it can be difficult to get ahead if you’re among the 47% of Americans that are spending more than or equal to what they earn, according to the U.S. Financial Health Pulse. The ability to manage cash flow directly affects your ability to build savings and deal with unexpected expenses.
- Do you pay your bills on time and in full? Falling behind on bills, including credit card payments, can be a significant hindrance to improving your financial health. If all your bills seem to come due at the same time each month or don’t appropriately align with paydays, consider staggering bills based on their priority level with rent and utilities taking precedence over any less necessary items like cable television or subscription services, which could even be eliminated altogether. The ability to keep up with payments shows how well you’re able to manage cash flow and daily financial obligations.
- Do you have sufficient liquid, short-term savings? The ability to draw on savings is important for coping with unexpected expenses such as car repairs or medical bills or a setback such as being laid off from a job. Having six or more months of living expenses in savings is considered financially healthy, but 45% of Americans don’t have enough savings to cover even three months, according to the U.S. Financial Health Pulse. Try setting aside 5-10% of your monthly income to build up both your emergency fund and long-term savings account.
- Do you have appropriate insurance coverage? Along with sufficient liquid savings, having appropriate insurance can help you withstand an unexpected expense, such as the death of a loved one or a medical emergency. Shop around for the best rates and coverage on everything from homeowners and car insurance to life and disability policies.
- Do you plan ahead for expenses? Planning ahead shows you are future-oriented and proactively managing your financial situation, a behavior that is strongly correlated with financial health. Proper future planning behaviors include using a budget, coding expenses, setting up automatic savings transfers and using financial management apps, among other habits.
For more tips to focus on your future financial health, follow #FinHealthMatters on social media or visit cfsinnovation.org/news/finhealthmattersday.
Photo courtesy of Getty Images
(Tiffany Miller) The summer of childhood had a different quality to it. The days felt unscheduled, the weeks unhurried, and the season itself stretched on in a way the calendar did not quite explain. A new survey from ThriftBooks, the largest independent online bookseller of new and used books, found that many readers believe the endless summer feeling is gone, and that the one thing most associated with getting it back is also the thing they feel least entitled to do.
It also found that nearly three-quarters of U.S. adults who read say summer moves faster now than it did when they were growing up. And 76% say reading is the one thing that slows it down.
Summer used to feel different
Part of what shifted it was the screen. About 60% of readers say screens take away from the feeling of summer. The associations most tied to childhood summers — being outdoors, family time and reading — have quietly faded into the background. What replaced them is a season that feels more scheduled, more managed and harder to slow down.
Reading slows it down. Guilt gets in the way.
Reading holds a complicated place in that picture. Fifty-three percent of readers fell in love with reading during childhood, and the emotional connection between books and summer runs deep. Fifty-six percent say reading makes summer feel like it lasts longer, and most agree it helps them slow down in a way other forms of downtime simply do not.
But wanting to read and feeling permitted to read are different things. Seventy-four percent of readers say they sometimes or often feel that reading for pleasure is only allowed after everything else is done. That hesitation often looks familiar: a book left on the nightstand while the dishes get done, a chapter saved for when the to-do list clears. The single biggest obstacle is not a shortage of time but the sense that reading is not productive enough to justify: 27% say the main barrier is feeling like they should be doing something more useful instead.
A generational divide
That tension runs deepest among younger readers. Gen Z enters summer more optimistic about reading than older generations, but also more burdened by it. Seventy-seven percent of Gen Z say reading makes summer feel longer, compared with 44% of Baby Boomers. Yet it is younger readers who are most likely to feel they need to earn the time first.
Why it matters now
The findings suggest summer often feels shorter because schedules and distractions leave less room to slow down. For many readers, books may be one of the simplest ways to bring back the endless summer feeling.
Methodology
ThriftBooks commissioned Atomik Research to conduct an online survey of 2,000 adults throughout the United States who read three or more books per year. The margin of error is plus or minus 2 percentage points with a confidence level of 95%.
Fieldwork took place between April 13 and April 17, 2026. Atomik Research, part of 4media group, is a creative market research agency.
Photo courtesy of Shutterstock
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(Feature Impact) As the days lengthen and warm air has you ready to get your patio furniture out of storage, that means it’s time to give your yard a fresh start. With a little planning now, you’ll be rewarded with a fuller, greener and easier-to-maintain outdoor space once spring is in full bloom.
1. Start With a Clean Slate
Winter leaves behind plenty of debris, including fallen branches and matted leaves. Before you start planting, take a walk around your yard and tidy up:
- Rake moisture-trapping twigs and leaves that can cause fungus
- Remove dead plants or spent annuals from flower beds
- Sweep or power wash patios and walkways
2. Tune Up Tools
Digging into yard work only to find rusty shears or a squeaky mower can prolong the task. Instead, ensure your tools are in good working order:
- Sharpen blades on lawn mowers, shears and pruners
- Install fresh string on trimmers and weed eaters
- Replace old fuel or clean air filters on gas-powered tools
3. Assess Your Lawn
Early spring is ideal for noticing how winter treated your grass. Dethatching and aeration can go a long way toward helping grass absorb nutrients. Set the stage for lush growth once warmer weather arrives by looking for:
- Bare patches that need reseeding
- Weeds making an early debut
- Compacted soil where water pools instead of soaking in
4. Give Plants the Right Start
Now’s the time to prep beds for new life. Before you plant:
- Loosen soil and mix in compost for nutrients
- Add mulch around perennials
- Plan your planting based on sun and shade patterns
5. Hydrate Wisely
Strong roots start with proper hydration. Even before sprigs pop up, early spring can be dry as the sun gets higher. Remember to:
- Water flowerbeds if rainfall has been scarce
- Check irrigation systems for damage
- Mulch lightly after soil warms to lock in moisture
Getting your yard ready early in spring isn’t about perfection; it’s about setting yourself up for outdoor enjoyment all season long. Find more tips to get your yard in shape at eLivingtoday.com.
Photo courtesy of Shutterstock
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(Feature Impact) After months of winter, spring cleaning isn’t just about dusting and vacuuming – it’s about inviting sunlight and fresh air into your space through the open windows and giving yourself a fresh start for the longer days ahead.
It’s also a perfect opportunity to clear out the old and make room for new experiences, memories and energy. Whether you’re tackling deep cleaning for the first time or you have seasonal rituals for tidying up your home, this room-by-room guide can help you plan and conquer seasonal chores.
Whole Home:
- Declutter spaces: Donate, recycle or discard what you don’t need
- Wash windows inside and out
- Dust baseboards, walls, vents and ceiling fans
- Wipe down doors, knobs and light switches
- Vacuum and clean under and behind furniture
- Clean curtains and blinds
- Store seasonal items like winter clothing and decor
- Replace air filters
- Shampoo carpet
Kitchen:
- Empty and wipe down refrigerator and freezer
- Clean oven, stovetop and microwave
- Scrub countertops and backsplashes
- Clean out the garbage disposal
- Sweep and mop floors
- Organize the pantry and throw away any expired items
Bathrooms:
- Scrub grout and tile
- Clean mirrors and glass surfaces
- Deep clean toilets
- Wipe down cabinets and bathroom fixtures
- Wash rugs, floor mats and the shower curtain and liner
- Empty trash and clean the bin
Bedrooms and Other Living Areas:
- Wash bedding, pillows and linens
- Organize closets and drawers
- Vacuum chair, couches and mattresses as well as under cushions
- Dust shelves and decor
- Clean light fixtures and lampshades
Outdoor Areas:
- Power wash patios, sidewalks and driveways
- Wipe down outdoor furniture and replace textiles like pillows, cushions and umbrellas
- Clear debris from garden beds
- Prune shrubs, plants and trees
- Organize garages and sheds
- Reconnect hoses and sprinklers
- Prep lawn equipment such as mowers, weed eaters and blowers
For more spring cleaning tips and tricks, visit eLivingtoday.com.
Photo courtesy of Shutterstock
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