Independently Whealthy


Photo courtesy of

Nope that’s not a spelling error. That’s me at best being creative at worse being lazy- it’s my marriage of the terms wealthy and healthy. Those with the #IndieSpirit pay attention to and cultivate both. Taking care of yourself is a must. So today I’m sending you a reminder to indulge in your whealth.


One and done Every 12 months you should have a physical (with blood work), gynecological exam, eye exam.

Two to go- Every six ,months you should see your dentist for a cleaning and one of those visits should include  x-rays.

Three to five- No not the time you are available to get your hair colored, but the number of times a week you should be engaging in intentional exercise for 30 to 60 minutes. Walk, run, wun (walk with intervals of running), yoga, swim, play tennis, dance, etc. something that gets your body moving, heart pumping, blood circulating.

Four to six- Nope that’s not the happy hour schedule. That is the recommended number of small meal you should try to eat throughout the day to maintain a healthy metabolism, curb binge eating and grazing, and keep the body healthy.

Sixty four or more- This is the number of ounces of water your body needs. At a minimum drink 64 ounces a day. Some doctor’s recommend drinking half of your body weight in water which makes sense since the body is about 60% water anyway.

As you please (or need)- Seeing a mental health practitioner or life coach. I’ve seen counselors, even as I myself identified as a counselor. I’ve also worked with a life coach around some really specific goals and I knew I need more than the well meaning friend and family member to hold me accountable. Depending on the curve ball ife as thrown at me I will certainly call y insurance company and find a mental health provider. Now if you are not insured please know there are plenty of metal health provides who offer sliding scale fee (you and the counselor agree on a fee that you can afford) and there are free services through health clinics. To find a counselor near you click here.

Photo courtesy of Fit

Photo courtesy of Fit


Dirty 30- I’m not talking bout celebrating your debut into a new decade. I’m talking about saving at least 30% of your income annually. There are a number of ways to do this and it can be divided up between various retirement accounts and savings accounts. I love love LOVE Capitalone360. It let’s me have multiple savings accounts, like for traveling, emergencies, even celebrations/gifts. The various amounts are scheduled to come out of my checking account once a month.

Cash only- I love my cute sunset hues debit/credit card as much as the next but it is so so so easy to swipe away and spend. Might I suggest whatever your budget is for the week you withdraw that cash amount and only use cash for your purchases. You will be surprised how many less lattes you have and how much you don’t need that top that is an extra 30% off at Nordstrom.

Keep the change- I have a delightful zebra print pig piggy bank courtesy of Old Navy and that is where I deposit all my change. Then every so often…I take that pig to the bank and get cash. What you do with the cash is up to you. Maybe it’s your extra cup of coffee stash. Maybe it ‘s your restaurant week stash. But keep those pennies, nickles, and dimes. They add up.

Photo courtesy of

Photo courtesy of

Wise counsel- After a year of paying a mortgage and rent my finances were just not where I was used to or wanted them to be. I wasn’t exactly sure of what my game plan should be and how to wisely invest money from selling the house. So…I joined learn vest and met Kirk, my financial adviser. I can’t even tell you how helpful it’s been so far and the amazing tools Learn Vest has to offer. And…did ? mention a woman started this company? #WomanPower #IndieSpirit

Spend well, not more, not less- I love a deal as much as the next person but I am also the same chick who notoriously cleans out her closet and has so much stuff to give away. I have learned however in more recent year it’s better for me to invest in a few really great products that are classic cuts and styles than really trendy ones that will somehow be so 2008 in the next 72 hours. While a few friends and family occasionally give me the side eye for heading to Nordstrom, Macys, or Bloomingdales, I know that the quality of the items those stores offer give me a lot of bang for my buck (which means in the long run i spend less buck)…and I look good. wink wink.

Take it to the bank (or credit union)- Banks and credit unions have so much to offer these days. With your financial needs in mind do your research on where you choose to invest your hard earned money. If you are curious about the difference between the two, credit unions are non profit financial institutions with its members in mind while Banks are f or profit and while they are smitten with you they are in love with larger corporations. Doesn’t make either good or bad and I’d encourage you to consider both and choose an institution that best meets your financial needs and goals. My credit union offers really really low rates on a number of loans, for cars, mortgages, and student loans. They also have a great point system that I love and have allowed me to travel on a whim without paying anything. If ou want to learn more about credit unions and banks click here.

Credit- not the cards, your score. It is imperative to know and monitor your credit score which is indeed impacted by your credit cards. I use Free Credit for my credit score. It gives you three scores, lets you know what you can do to improve your score, and keeps you posted on inquiries about your score. Note that inquiries can also impact your credit score. The higher the score the better (850 is the epitome of great credit).

What’s not in the bank (or credit union)? – Then there are your assets to keep in mind. These are things that are of value and could be sold for cash, but you aren’t string in a financial institution. This is your house, fr example. It’s not stored anywhere but it has great value and can be sold for cash value. Other sometimes overlooked assets are antique or vintage items. If you can convert it (with some ease) to cash then you’ve got yourself an asset.


Photo courtesy of The Guardian.vom


Just so we are uber clear, physical, mental, and financial health are not the only markers whealth (wealth + health). I cannot stress enough how we are, you are, I am, much more than any physical condition, mental illness, credit score, or number of zeroes before the decimal point. When you think about your whealth I encourage you to think about

– Your resiliency and ability to bounce back

-Your relationships (not the quantity but the quality)

– The thing or things you do, see, read that feed your soul and renew your sense of purpose

– Your blessings (take a moment to seriously sit down ad start counting them)

– Your privileges (privilege is not just about Whiteness,there are a host of privileges to consider)

-Your experience (your experiences not just bullet points on your resume, but they are what make you who you are, and often provide insight into and strength to create a simply LIVED life)

A true #IndieSpirit, no matter what the circumstance knows they have whealth. Some days that whealth will be measured by physical prowess, mobility, and agility. Others it is what’s hanging out in the bank account. And everyday it is the experiences, blessings, and those with whom w have positive relationships with. So how whealthy are you?

NEW YORK, NY - MAY 02:  Jay-Z and Beyonce attends the Toronto Raptors vs Brooklyn Nets game at Barclays Center on May 2, 2014 in the Brooklyn borough of New York City.  (Photo by James Devaney/GC Images)

Photo courtesy of Cosmopolitan

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