Written by Elizabeth Dunn and Michael Norton, Happy Money doesn’t discourage spending in and of itself but rather encourages incorporating new spending behaviors. Olivia continues where she left off, introducing the concept of buying time and paying now/consuming later.

Written by Elizabeth Dunn and Michael Norton, Happy Money encourages the consumer to experiment with various spending habits that truly cultivate a sense of overall well-being, such as buying experiences, buying time, making purchases a treat, and practicing delayed consumption (aka Happy Money principles). Notably, these spending methodologies will not require an increase in income, but rather a strategic reallocation of existing assets to make your money happy again.

You may not consider your finances a likely vulnerability when pondering everyday threats. Whether perpetuated intentionally or unintentionally, insider threats can manifest in the form of personal financial mismanagement or significant emotional events, such as death, divorce, job loss, or illness. Outsider threats also compromise your financial security, such as predatory lenders, identity thieves, scammers, and even family members! To mitigate these risks, Olivia provides you with the safeguards necessary to remove or counter the impact of potential financial threats, equipping you with the knowledge and resources necessary to create a healthier relationship with money.

Register for the 3rd HYBRID Financial Symposium! Use the link below.

https://forms.osi.apps.mil/Pages/ResponsePage.aspx?id=D9fm-kuVEUiStgUw1vhMQxiSj6kdb7VFuypvxD6aMJlUNUpGQ09IVTg1NzVVQ1dIR1BYT1NDNTFSVC4u

If you found this information helpful, don’t forget to rate and review wherever you listen to the pod.

Financial Literacy Training: Meeting Financial Developmental Milestones

Olivia and the Army Headquarters Deputy Chief of Staff, G-9’s Financial Education Program Manager, Robyn Mroszczyk, discuss what’s in it for leaders to promote financial literacy and address financial developmental milestones. We take our children in for well-child checkups to ensure physical developmental milestones are met. But what professional will see you or your loved ones to ensure financial milestones are met? Who’s teaching us how to develop our financial muscle to move towards financial independence? (Although the DoD has military-specific milestones, Olivia has outlined Civilian-equivalent milestones below to consider as you or your loved ones are financially developing.) Olivia can be reached at 256-876-6299.

Vantage Tracker for Leadership: https://www.financialfrontline.org/soldier/leadership/

Financial Literacy Training

Army: https://olms.armyfamilywebportal.com/

Air Force: https://myvector.us.af.mil/myvector/PublicHome/NoticeAndConsent

Navy: https://learning.nel.navy.mil/ELIAASv2p/

MILITARY Financial Milestones

Future Service Member Training

Initial Entry

Arrival at First Duty Station

TSP Vesting

Promotion

Permanent Change of Station

Marriage

Birth and Adoption

Leadership

Life Challenges

Deployment

Continuation Pay

Transition

CIVILIAN Financial Milestones

Future Consumer Training

Preparing for First Job

First Paycheck

Investing

Promotion

Moving

Marriage

Birth and Adoption

Developing Others

Significant Emotional Events (illness, divorce, death)

Civilian Deployment

Bonuses and Contracts

Career Change

Helpful Financial Sites

https://finred.usalearning.gov/

https://www.financialfrontline.org/

https://www.milspousemoneymission.org/

https://www.finra.org/

https://www.consumerfinance.gov/

Olivia and special guest Gretchen Bentler (LPC/AFC®) illuminate how Dialectical Behavior Therapy techniques can assist you in being more mindful in your spending and financial practice. Now that you’ve learned and practiced the first three modules of DBT that required “internal” practice (go back and listen), you are now ready to apply this practice “externally” with other people. Olivia and Gretchen walk you through assertiveness skills to help you set and maintain financial boundaries. If you are a Redstone Arsenal employee, please call Olivia at 256-876-6299. If you are a Tobyhanna Army Depot or Picatinny Arsenal employee, please call Gretchen at 570-615-6682. For more information on Army Financial Literacy Training, visit HTTPS://www.financialfrontline.org/soldiers/

Olivia and special guest Gretchen Bentler (LPC/AFC®) illuminate how Dialectical Behavior Therapy techniques can assist you in being more mindful in your spending and financial practice.

Be sure to listen to episodes 17 and 18 in Season 3 prior, as each skill builds on the next. Emotion dysregulation can lead to overspending and other financial addictive behaviors. Regulating emotions not only curbs spending urges but also assists in decluttering the mind. Reducing painful emotions enables you to access your wise mind for optimal financial decision-making. If you are a Redstone Arsenal employee, please call Olivia at 256-876-6299. If you are a Tobyhanna Army Depot or Picatinny Arsenal employee, please call Gretchen at 570-615-6682. For more information on Army Financial Literacy Training, visit https://www.financialfrontline.org/soldiers/

Olivia and special guest Gretchen Bentler (LPC/AFC®) illuminate how Dialectical Behavior Therapy techniques can assist you in tolerating financial distress and surviving financial crises.

If you are a Redstone Arsenal employee, please call Olivia at 256-876-6299. If you are a Tobyhanna Army Depot or Picatinny Arsenal employee, please call Gretchen at 570-615-6682.

For more information on Army Financial Literacy Training, visit https://www.financialfrontline.org/soldiers/

Olivia and special guest Gretchen Bentler (LPC/AFC®) illuminate how Dialectical Behavior Therapy techniques can assist you in being more mindful in your spending and financial practice.

If you are a Redstone Arsenal employee, please call Olivia at 256-876-6299. If you are a Tobyhanna Army Depot or Picatinny Arsenal employee, please call Gretchen at 570-615-6682.

For more information on Army Financial Literacy Training, visit https://www.financialfrontline.org/soldiers/

Although not classified by the American Psychiatric Association as a disorder, there is clear evidence we engage in disordered spending. Olivia and guest, Matt (AFC® Candidate), discuss how shopping addiction receives honorable mention as a behavioral addiction, providing a lens in which to view this as a pattern of expectant behavior where we create and accept risk that will lead to greater reward.

Cost Per Use Calculator & Formula Online Calculator Ultra

We all need a financial realignment from time to time. But are you aligning your goals to your values or someone else’s? Olivia and guest, Matt (AFC® Candidate), present four simple yet power-packed habits will be the swift kick in the budget you need to discover where your money’s really going, what (or who) needs to change, and how to maintain.

Assessment Tools: https://www.consumerfinance.gov/consumer-tools/financial-well-being/

Alignment Tools:

Personal Finance for Teens 101, Grant (for teens)

The Talk: About Money, Alexander (for young adults)

The New Retirementality, Anthony (for adults)

Smart Couples Finish Rich, Bach (for couples)