Today’s Takeaways:  Money matters for relationships: Financial conflict ranks among the top divorce drivers in the U.S. Early money conversations aren't optional—they're preventive care for your partnership.   Talk before you commit: Understanding your partner's money story and habits before major commitments helps you build a realistic, shared future together.   Financial wellness fuels mental wellness: Uncovering the forces behind your money habits can dramatically reduce stress and sharpen your focus.   The workplace cost of money stress: Low financial wellness costs U.S. companies >$500 billion annually in lost productivity, turnover, and healthcare expenses. Financial health is a bottom-line business issue.   By the numbers: 88% of people under 40 report financial anxiety. This isn't just a money problem—it's a mental health crisis.   Income ≠ security: Over half of people earning $100k+ still feel like they're living paycheck-to-paycheck. Perception and planning matter more than salary alone.   Money is a means to an end: Clarify what you want money to accomplish (the "ends"), then agree on how you'll use it to get there (the "means").   Befriend your future self: Treat your future self like someone you deeply care about. This mindset shift makes saving and investing feel compassionate rather than restrictive.   Financial wellness is holistic: It's a focused blend of tools, habits, and mindset that creates forward momentum—and the belief that a better financial future is within reach.   Simple budgeting that actually sticks: Try the 50/30/20 rule: 50% needs, 30% wants, 20% savings/debt. This clear framework eliminates decision fatigue.   Spending plans vs. budgets: Budgets feel restrictive and trigger rebellion. Spending plans align with your values and allow for intentional trade-offs.   Build your foundation first: Before jumping into a new job or venture, establish 3–6 months of emergency savings. This safety net protects your present while investing in your future.   Coaching works: Having an accountability partner for financial goals can boost your success rate by 95%—making expert guidance through services like Aura a game-changer for employee wellbeing.   Find Courtney: LinkedIn: https://www.linkedin.com/in/cccardin/   Find Aura Finance: LinkedIn: https://www.linkedin.com/company/aurafinance/ Instagram: https://www.instagram.com/aura_finance/ X: https://x.com/Aura_Financeapp TikTok: https://www.tiktok.com/@aura_finance Website: https://aurafinance.io/   Find Christy: Facebook: https://www.facebook.com/productivepassions  Instagram: https://www.instagram.com/productivepassions  LinkedIn: https://www.linkedin.com/in/christytagye/     Email: christy@productivepassions.com Website: www.productivepassions.com