After I wrote a simple primer on Roth conversions a couple weeks ago, several readers reached out asking for more details. A few specific snippets of those questions include:
I see many articles like this about lowering your tax bracket when doing Roth conversions. But, what about the amount of money that can be made by not doing Roth conversions and letting the taxable [sic: qualified, or not taxable] money grow in an account like an IRA or 401K? Is that math too hard to explain?
Sure your RMDs will be higher and you will be taxed more, but how much more money will you make by letting that tax deferred money grow? You could assume a rate of return at 6% for the illustration.
Kelly M., Question 1
A wise man once said “never pay a tax before you have to.” Back around 2015 I had the owner of an income tax service try to convince me to convert all my traditional IRA money to Roth. He said tax rates were going to go up and he was converting all of his own personal traditional IRAs. Fast forward to 2017 and Congress actually ended up lowering tax rates. I wonder what he thought about his conversions after that.
Anonymous, Question 2
Even with my spouse still working, I don’t think we’ll hit the IRMAA limits while I do Roth conversions before I take Medicare. But, could Roth conversions now help me avoid the IRMAA thresholds when I’m taking RMDs in the future? Or, is it worth doing Roth conversions to avoid the IRMAA thresholds? I’d be interested in an article like that.
Anonymous, Question 3
To summarize those three questions:
Does the math of Roth conversions really work?
But since we don’t know future tax rates, how can we confidently convert assets today?
What about IRMAA (the income-related monthly adjustment amount), which is an additional Medicare surcharge on high-earners?
Let’s address these questions one at a time.
Does the Math of Roth Conversions Really Work?
Roth conversions involve many moving pieces, as you’ll see in this simple Roth conversion spreadsheet.
Reminder: you can make a copy of the spreadsheet via File >> Make a Copy
There are terrific financial planning software packages that take care of this math. I wanted to present 95% of the good stuff in a free format that you all can look at. Hence, Google Sheets.
Nuanced Tax Interactions
Especially important is the interaction between normal income (via Traditional account withdrawals), capital gains, and Social Security. These taxes interplay in nuanced ways. A simple example:
Let’s say a Single retiree’s annual income is:
$5000 in interest income
$5000 in long-term capital gains
$30,000 in Social Security benefits.
If you plug that into a 1040 tax return, you’ll find that:
None of that Social Security income is taxable.
All of the interest and capital gains are enveloped by the Standard deduction
Resulting in zero taxable income and a $0.00 Federal tax bill.
But if we copied Scenario A and added in $30,000 in Traditional IRA distributions, what happens? I think we all expect that the $30,000 distribution itself must have a taxable component, but you might not know that:
The IRA distribution affects Social Security taxability. Now, $22,350 of the Social Security income becomes taxable. That’s right. Simply by distributing IRA assets, you’ve now increased how much Social Security you pay taxes on.
The Standard deduction still helps, but there’s now a remainder of $48,500 in Federal taxable income.
Resulting in a $5584 Federal tax bill.
It’s not the end of the world. Taxes happen. They pay for our public shared interests.
But part of tax planning is understanding ahead of time what your future tax bills will look like. It’s important to understand how taxes interact. And this is just a simple example!
Measuring Roth Conversion Benefits
Going back to this spreadsheet, you’ll three tabs full of retirement withdrawal math. The Assumptions tab contains important information on our hypothetical retiree’s starting point (e.g. $2.9M in investable assets), their annual spending ($100K), their future assumed growth (5% per year, after adjusting for inflation), and other important numbers.
Note – this math takes place in “the convenient world” where inflation is removed from the math.
Then three tabs are presented with different Roth conversion scenarios, described below:
“Baseline Calculations“
This tab shows a retiree not focused on any conversions
They want to leave to their children both Roth assets (if possible) and taxable assets (on a stepped-up cost basis).
Therefore, they attempt to fund as much of their retirement using Traditional assets as possible
“No Trad Withdrawals”
This tab shows a “worst case” scenario, to help bookend the analysis. This retiree is not pulling any funds from their Traditional accounts (unless necessary). Thus, we’d expect them to have large RMDs and large RMD-related tax bills.
“Reasonable Conversions”
This tab shows a “reasonable” Roth conversion timeline, electing to convert $1.7 million throughout their retirement, while funding their lifestyle using a mix of Traditional, Roth, and taxable assets along the way.
By no means is this “optimized.” But it’s reasonable, and better than the first two scenarios, as we’ll see below.
Pros, Cons, and Results
The three scenarios end up similar in multiple ways.
Our retiree never has an issue funding their annual lifestyle. This is of utmost importance.
Our retiree reaches age 90 (“death”) with roughly $5M in each scenario.
But there are important differences (as we’d suspect).
The Baseline scenario ends with $5.00M. Of that, 27% is Traditional, 35% is Roth, and 34% is Taxable. They’ve paid an effective Federal tax rate of 20.7% throughout retirement.
The No Traditional Withdrawal scenario ends with $5.20M. Of that, 63% is Tradtional, 0% is Roth, 37% is Taxable. They’ve paid an effective Federal tax rate of 18.8% throughout retirement.
The Reasonable Conversions scenario ends with $5.17M. 18% is Traditional, 68% is Roth, and 14% is Taxable. They’ve paid an effective Federal tax rate of 13.9% throughout retirement.
The Same, But Different
These three scenarios share many similarities. All three result in successful retirements. But there are important differences.
Our Roth converter paid far fewer taxes and, ultimately, left a majority of their tax dollars to their heirs via Roth vehicles, and thus tax-free.
The No Trad Withdrawal retiree paid 28% effective tax rates in their final years (only going further up in the future) and left 63% of their assets in Traditional accounts with a large asterisk on them.***
***TAXES DUE IN THE FUTURE*** …unless you’re leaving the Traditional IRA assets to, for example, a non-profit charity. But if you’re leaving the Traditional IRA to your kids, they’ll owe taxes when they withdraw the funds.
Long story short: Roth conversions work to your benefit when executed intelligently.
Should You Worry About Leaving Behind Traditional Assets?!
I don’t want to freak you out. Your heirs will appreciate you leaving behind a 401(k) or Traditional IRA for them.
But it’s worth understanding that they’ll owe taxes on that money (usually). Let’s dive into an example with simple math: a $1 million Traditional IRA left to one person (e.g. your child).
That person will most likely set up an Inherited Traditional IRAand (via new-ish rules in the SECURE Act) will have to empty that account by the end of the 10th year after your death. The withdrawals can be raised and lowered during those 10 years. Much like with Roth conversions, it makes sense to take larger withdrawals during otherwise low-income years and vice versa.
But if the beneficiary is in the middle of their career, a series of 10 equal withdrawals makes sense. Some rough math suggests ~$135,000 per year is a reasonable withdrawal amount (based on account growth over the 10 years).
That withdrawal is taxed as income for the beneficiary. If they’re already earning $100,000 per year of normal income, then taxes will consume ~$41,000 of their annual $135,000 withdrawal. State taxes might take another bite.
Again – I don’t want anyone to cry over the prospect of inheriting $94,000 annually for 10 years. Where can I sign up?! But it’s also worth understanding that 30% of this inheritance is going to Federal taxes.
“Never Pay a Tax Before You Have To”
What about Question #2 from the beginning of the article? A reader wrote in and suggested one should “never pay a tax before you have to.”
While pithy, it’s false.
If you can reasonably front-load low tax rates to prevent later high tax rates, the math supports you. What we’ve covered so far today is clear evidence of that.
Now, in the reader’s defense: I’d rather delay taxes if thedollar amounts are exactly the same. That’s one argument behind the tax-loss harvesting craze: I’d rather pay $100 in taxes in the future than $100 in taxes today.
But Roth conversions work differently. Done well, Roth conversions allow you to pay a 22% tax on $50,000 today to prevent a 37% tax on $100,000 in the future. It’s apples-and-oranges compared to the tax-loss example.
And perhaps the bigger lesson: there are few universal rules in personal finance. The pithy rule that works in one scenario (“never pay a tax before you have to”) might fail miserably in another scenario. Let the math guide you.
What About IRMAA?
Irma used to only be a name you’d give to the great-grandmother character in your 11th-grade B-minus fiction story.
No longer! Today, IRMAA has been given new life (which, I bet, was covered by Medicare!)
IRMAA (Income-Related Monthly Adjustment Amount) is a Medicare premium surcharge imposed on higher-income beneficiaries in addition to their standard Medicare Part B and Part D premiums. The amount of IRMAA is determined based on an individual’s modified adjusted gross income (MAGI) and can result in higher healthcare costs for those with higher incomes.
In plain English: high-earners pay more for Medicare.
Question #3 today asked if Roth conversions can be used to avoid IRMAA premiums. The answer is: yes.
But first, how painful are these IRMAA surcharges in the first place?!
Important note: you’ll see below that the 2023 IRMAA brackets are based on 2021 modified adjusted gross income (MAGI). That same 2-year delay holds for future years. Your 2024 Roth conversions (or lack thereof) will be important in determining IRMAA in 2026
If a married couple’s MAGI in 2021 was $225,000, they’d end up paying $231 per month (or, more accurately, $462 per month for the couple) as opposed to $330 for the couple if they earned less than $194,000. That’s a difference of $132 per month or $1584 for the year.
I’m of two minds here. Because:
Yes, I believe in frugality. A penny saved is a penny earned. Why pay $1584 extra if you don’t have to?
But if you’re earning $200,000in retirement, do you also need to stress over a $1500 annual line item?
Personally, I’ll be stoked if my retirement MAGI is $200,000. It’ll be a sign that my financial life turned out unbelievably well. I won’t mind the IRMAA.
The people most likely to suffer IRMAA are also best positioned to deal with it.
Will IRMAA Get You?
The 2-year delay in IRMAA math means you might get IRMAA’d early on in retirement.
Imagine retiring at the end of 2023. The peak of your career! You and your spouse earned a combined $300,000 and now you’re settling down to mind your knitting. Like all U.S. citizens, you sign up for Medicare just before you turn 65.
Come 2025, Uncle Sam and Aunt IRMAA are going to look back at your 2023 income and surcharge you.
But the good news, most likely, is that your 2024 income is quite low in comparison and IRMAA will drop off in 2026.
Can Roth Conversions Help?
Remember: RMDs are forced and count as income, and that has the potential of “forcing” IRMAA on retirees as they age.
So to answer our terrific reader question: yes, Roth conversions can help here. You can use Roth conversions to shift the realization of income from high years to low years, preventing or mitigating IRMAA in the process.
But once more, make sure the juice is worth the squeeze.
If a 75-year-old has a $200,000 RMD that kills them on IRMAA, ask yourself: where does a $200,000 RMD come from? Answer: it’s coming from an IRA of over $5 million. Should someone with $5 million be losing sleep over IRMAA? I don’t think so.
That’s A Lot of Numbers…
A long and math-heavy article. I hope this helped you out! We covered:
Roth conversions can be objectively helpful, decreasing taxes in retirement and shifting large portions of portfolios from Traditional accounts (with potential taxes for heirs) into Roth accounts (no taxes for heirs)
Taxes in retirement are nuanced and interconnected. In today’s example, realizing extra income (via IRA distributions) also triggered extra Social Security taxes.
It’s not bad to leave behind Traditional assets to heirs. They’re getting a wonderful gift from you. But there will be taxes, which should be planned for.
There are many scenarios where it makes sense to pay taxes before you “have” to.
IRMAA is a negative reality for many retirees, but the people most likely to suffer IRMAA are also best positioned to deal with it.
Roth conversions can be used to mitigate IRMAA over the long run.
As always, thanks for reading!
Thank you for reading! If you enjoyed this article, join 8000+ subscribers who read my 2-minute weekly email, where I send you links to the smartest financial content I find online every week.
-Jesse
Want to learn more about The Best Interest’s back story? Read here.
Looking for a great personal finance book, podcast, or other recommendation? Check out my favorites.
Was this post worth sharing? Click the buttons below to share!
Editor in Chief Sarah Wheeler sat down with Dan Stewart, founder and CEO of Happy Grasshopper, to talk about the company’s tech strategy in creating content that resonates with consumers. Storytelling is key to the company’s success and Stewart’s own story explains how he stays cool in any market cycle. Turns out being stranded at sea in shark-infested waters puts everything else in perspective.
Sarah Wheeler: What differentiates your technology?
Dan Stewart: When you think of the technical landscape today, specifically for CRM, at the very core, everything does almost exactly the same thing: It segments contacts and it sends messaging. That’s not a significant technical challenge. The challenge is creating and delivering messaging that produces the desired result for the person sending the message. And that’s what we focus on.
Today we’re nurturing about 37 million contacts on behalf of our members. And we’ve built a reporting engine we affectionately call queen bee reporting. We leverage AI to crunch the numbers, because the datasets get so large so quickly. We leverage AI to make sure that our members are sending content that’s most likely to be well-received by the target audience and to produce the conversations that they need to have.
SW: How do you know what the “right” content is?
DS: Looking in the data, it really highlights some key things:
The No. 1 thing that determines the effectiveness of a message is the relationship between the sender and the recipient.
We all have people in our lives, it doesn’t matter what the subject line is, we’re going to pay attention to their message because it’s from them. Right? On the other hand, if your phone rings and it says potential spam, there’s almost no chance you’re going to answer it. So relevancy of that relationship is very important.
The second most important thing is the relevancy to the time that the message is sent. So the cycle of what’s happening in the world becomes extremely important for creating effective messaging. The way to start that conversation is to leverage what I call the formula for engagement — basically we have to raise their curiosity and leave it unresolved.
SW: What are some use cases of the formula for engagement?
DS: So first, as a brand, we create content for agents that’s designed to go to people they know, typically past clients and sphere. And this content is not typically about real estate. It’s about something interesting that’s happening today, that we can use as conversation starter.
The second type of content we send is lead conversion and nurturing content. The timing, the duration, the frequency — all of that gets influenced by the source of the lead and the time of day that the lead is captured.
The third category is the attraction and recruitment of more people to a brand. Whether it’s branch managers to a mortgage firm, LOs to the branch manager, real estate referral partners to the LOs — there needs to be a very clear understanding that the content strategy must be very appropriate to the goal.
SW: What really differentiates your tech?
DS: Happy Grasshopper is a true managed service so our tech is very important, and yet our core belief is that tech alone isn’t enough. Agents have a lot of technology today. But that doesn’t mean they’re using it as well as they could be.
I have three core beliefs that really underpin everything I do at Happy Grasshopper. The first is that whatever we want to achieve in business, it’s most easily achieved through relationship. The second is that relationships only really live in one place and that’s conversation. And the third is that conversations lead to closings. I’ve yet to meet an agent or an LO who will not earn more commission if they have more conversations.
SW:What past experience influences the way you think about tech today?
DS: Prior to Happy Grasshopper, I built and exited a CRM company. We built white label software for franchisors — we gave the brand exactly what they wanted. And then of course, they’d roll it out to their franchisees who would log in once and then almost never come back. Which was what kept me up at night at the time.
Post-exit, I had this realization that we did it in the wrong order: we really should have built from the bottom up. So very intentionally when I started Happy Grasshopper, we focused only on serving the end user. And then we added teams, and then we added brokerages. And now we’re at the true enterprise brand level. And we get lots of usage and engagement in our application, because we’ve built it in such a way that the end user actually gets value from it every time they use it.
SW: How is AI helping you with the actual content you create? Or is that created by humans?
DS: We do not use generative AI to create content for our members. We have a staff of real human writers, college-educated, with 401(k), medical, dental benefits — real, actual people who take the time to interview our members. And we ask our members to review the content that we wrote for them and confirm whether or not it sounds like them.
And then we leverage the AI to really scrub the data — we’re sending messaging to 37 million contacts, we really need help understanding what the results of all that data means. It’s not like we have just one reporting page where you could see what your open rate was on a particular email and make a good decision. We’ve used the API to parse the messaging for tone, for length. And we use that data in conjunction with the data reporting, to help our human writers understand why particular messages are more successful than other messages. And I’m really proud of the results we’ve been able to create for our members.
We have taken the time to really build this, and we’re at the precipice of massive scale. We’re about to grow tremendously. Because it’s, it’s time for the brands to really understand how we can help all of their agents find more transactions. And in a market that’s having fewer deals closed than in years past, relationships are what’s going to lead people through this.
What do we do in our lives in times of crisis? We turn to people we trust. Whatever’s happening in the market, it can always be used to start a valuable conversation and help the right-minded real estate professionals show up as people who provide massive value rather than just attempt to garner commissions.
SW: What’s the profile of your members?
DS: We have members today in about 40 different verticals. Over 90% of our membership is in real estate and mortgage and we create content for buyers agents, listing agents, team leaders, broker owners, regional management, national management. We’ve also written content for brands.
SW: How do you think about cybersecurity?
DS: At Happy Grasshopper we don’t retain mortgage information, financial information — no one uploads that into our system, because it’s not necessary for us to have that information on file. So just from a business case perspective, if we were ever breached, the sorts of things that would be taken, we would just be limited the contact information. And course, that would be a horrible thing. But I know that being diligent and then having a business use case where we’re not really hanging on to any sort of super-sensitive information is an advantage for us.
SW: What keeps you up at night?
DS: Almost nothing. I sleep incredibly well. I’ve lived a very weird life. I moved a lot. As a kid, I had 14 schools before I graduated. One of my formative experiences was when my father’s boss inherited a sailboat. And my dad volunteered to sail it from the Florida Keys up to Sarasota. And the boat sank — we spent the better part of two days thinking that the sharks were going to come in and eat us. I can tell you: there’s nothing that I’ve ever faced in business that scared me as much as that.
SW: What? I think we need more details!
DS: My dad was a West Point grad, a civil engineer. He was an experienced power boater — he was not an experienced sailor. And that didn’t bother him. He thought, ‘You know what, this would be a great family vacation, let’s go.’ And so we left Islamorada, sailing due east. And he sailed us right into the largest barrier reef in North America. It knocked a hole in the side of the boat and the boat went down really quickly. It leaned over on its side and we had this little hump of fiberglass just above the water that we clung to the rest of the day, waving our arms. And then the sun went down and the tide came up — that night was terrifying. [The family was in the water another day] As the sun came up on the second day, there was a Coast Guard cutter, and they came and got us off the reef.
So, how privileged are we to be alive at this particular moment? The poorest of us have access to things the richest people up to 100 years ago couldn’t even imagine. It’s an amazing time to be alive. And I feel really privileged to be part of that fuel that’s connecting people in the digital age.
Inside: Embrace financial growth with these top money mantras. Cultivate a wealth mindset, affirm success, and transform your finances for ultimate freedom.
Money mantras have been a game-changer for me, a morning ritual as integral to my day as a cup of steaming tea.
Rather than idly scrolling through my phone or mentally compiling to-do lists, I begin each day by affirming my financial goals and inviting prosperity into my life. This practice isn’t just some esoteric tradition—it’s a targeted strategy that’s led to a tangible increase in my bank balance.
Like the steady rise of the sun, these money mantras illuminate my path toward financial well-being. Each repetition is a step towards cementing a mindset of abundance.
Remember, wealth isn’t just about cash and coins; it’s equally about cultivating the right mindset. Let me tell you, it’s not just my bank account that’s noticed the uptick—the evidence is in the confidence with which I now manage my finances.
Plus with a growth mindset, you will improve your happiness.
Now, it is time to find money mantras that resonate with you!
Top 50 Money Mantras for Your Daily Routine
1. With the power of attraction, I will bring wealth and money into my life.
2. My income is constantly increasing.
3. I gratefully accept all the wealth and abundance the world has to offer me.
4. Money allows me to live the life I want and achieve my goals easily.
5. I am grateful for what I have been blessed with.
6. Money is just a form of energy that flows to me effortlessly and abundantly.
7. Money is a tool that lets me construct my life how I see fit.
8. Large sums of money come to me easily.
9. Every action I take takes me closer to financial success.
10. I am capable of achieving all of my financial goals.
11. Money flows to me effortlessly and abundantly.
12. I am a magnet for financial success and prosperity.
13. My income exceeds my expenses every month.
14. I am worthy of a prosperous life.
15. Financial abundance is my natural state.
16. Wealth constantly flows into my life from multiple sources.
17. Every dollar I spend circulates and returns to me multiplied.
18. I handle my finances with clarity and confidence.
19. My positive energy attracts lucrative opportunities.
20. I am grateful for the wealth and abundance in my life.
21. I make wise and profitable investments.
22. My bank account grows larger every day.
23. The universe is generous with prosperity and so am I.
24. I am financially free and independent.
25. I am aligning with the energy of wealth and abundance.
26. Money comes to me now and always.
27. Making money is easy and enjoyable for me.
28. My wealth is a positive force for good in the world.
29. Financial well-being is mine to claim and enjoy.
30. I am open to receiving all the riches life offers.
31. I am constantly expanding my streams of income.
32. My actions create constant wealth, prosperity, and abundance.
33. Every financial action I take increases my net worth.
34. I am deserving of financial success and security.
35. Money is a tool that enhances my freedom and choices.
36. My financial goals are achievable and realistic.
37. I am in control of my financial destiny.
38. Prosperity flows to and through me.
39. I release all resistance to attracting money.
40. I trust my ability to generate wealth.
41. I attract financial mentors who guide me to abundance.
42. I use money to improve my life and the lives of others.
43. I am empowered to create the prosperity I desire.
44. I am the architect of my financial future.
45. I am worthy of financial abundance and security.
46. Gratitude and generosity are at the heart of my financial affairs.
47. I am surrounded by abundance.
48. My prosperity is unlimited, and my potential is endless.
49. Every action brings me closer to financial freedom.
50. I am an excellent steward of my finances.
How to Integrate Your Money Mantra Chant Into Your Routine
Okay, now you must solidify your money mantra in your life.
Choosing to internalize and act upon these mantras requires discipline, but it is essential for their success.
Each small step taken is progress—whether it’s saving a small portion of your earnings, investing wisely, or learning new skills to increase your earning potential.
Here are some actionable ideas to integrate your money statements into your day-to-day:
Write down your chosen money mantras daily in a journal to solidify their presence in your thoughts.
Customize your phone’s wallpaper.
Use post-it notes on your mirror to keep your money mantras in constant sight.
Place your money mantras on the wall when you roll out of bed.
Keep your money mantra written on a slip of paper inside your wallet.
Put your money mantras all over as your vision board quotes.
Create real-life scenarios where you can live out your money mantras, like calmly budgeting over coffee or tackling financial to-do’s with confidence.
Post your money statement on your social media accounts including X (formerly known as Twitter).
Regularly reflect on your current beliefs, decide what needs to change, and persistently work to align your actions with your new mantra.
Recite your mantras aloud every day, be it during your morning routine or as part of your wellness practices, to constantly reaffirm your financial goals.
You want to be a money magnet as you are manifesting your goals.
The act of doing reinforces belief, and belief paired with action is an unbeatable combination. So select your mantras, make them visible, speak them aloud, and, most importantly, take consistent action toward your financial goals.
How Mantras Can Shift Your Money Mindset
Money mantras have the potential to significantly transform your financial mindset by embedding positivity and empowering beliefs about your interactions with money.
By consistently repeating these money affirmations, you reprogram your subconscious to prioritize healthy financial behaviors and decision-making.
With a mantra such as “I handle money easily and well,” you start creating instances to demonstrate this new belief in action, which serve as evidence to support the mantra.
Whether it’s as simple as calmly reviewing your budget or taking steps to reduce expenses, these actions reinforce the powerful narrative of financial competence.
As you confront and override old, limiting money beliefs, your new mantra gradually becomes second nature, profoundly influencing your approach to money management and fostering a culture of financial literacy within your family.
Integrating Mantras Into Your Financial Strategy
By repeating affirmations such as “I am financially savvy” during routine activities, you rewire your brain to adopt a more positive money mindset and proactive stance toward money management. Instead of focusing on “I am broke.”
For example, when reviewing your bank statements or setting up a savings account, declaring “I am a wealth builder” can transform the experience from mundane to motivational.
Furthermore, concrete actions back up these mantras; intentionally selecting cost-effective options at the grocery store becomes a manifestation of the mantra “I make smart money choices.”
Over time, these repeated positive affirmations, paired with deliberate financial actions, will reinforce a healthier money mindset and can lead to more informed and empowering financial decisions.
What is the best mantra for money?
The absolute best money mantra is one that resonates deeply with your personal financial aspirations and current challenges.
It should be a concise, yet powerful declaration that addresses your core limiting beliefs and transforms them into positive affirmations.
For example, if you’ve historically felt powerless over financial matters, a mantra like “I am in control of my finances and make wise decisions with ease” can be both empowering and personally significant. This is a small step to becoming financially sound.
FAQ About Money Mantras
In my experience, money mantras have proven to be an effective tool in shifting financial mindsets and attracting prosperity. Particularly to increase my liquid net worth.
By declaring intentions like “My income is constantly increasing,” I’ve witnessed the law of attraction work in my favor, with unexpected income sources materializing following my persistent use of these mantras. This practice has not only improved my financial outlook but also reinforced my belief in the power of positive affirmation to create real-world results.
For effective results, financial affirmations should be integrated into your daily routine, ideally twice a day.
Repeat your positive financial statements in the morning can set a constructive tone for your day
An evening repetition aids in reinforcing your goals before sleep.
Consistency is key, and it is often recommended to maintain this practice for at least 21 consecutive days to notice a significant impact on your financial mindset. This habitual action can help to create a powerful shift towards a more positive and proactive approach to your financial goals.
What are your money mantras?
In conclusion, adopting a set of money mantras is an empowering way to reshape your financial narrative and manifest a more prosperous future if you prefer to be financially independent.
These affirmations serve not only as daily reminders of your financial aspirations but also act as a mental reset to overcome deep-seated negative beliefs about money. It is important to take intentional action to reinforce these mantras, thereby transforming them from words on a page to lived truths.
Remember, your mantras are not quick fixes but foundational statements that require commitment and effort to bring about real change.
By steadfastly walking the path of positive financial practices, you will eventually embody the essence of your affirmations—a money-savvy individual who knows that abundance is within reach.
Your financial future is not solely determined by external circumstances; it is shaped by the mindset you cultivate and the actions you take every single day.
Now, make sure you have solid financial goals to go with your mantras.
Know someone else that needs this, too? Then, please share!!
Did the post resonate with you?
More importantly, did I answer the questions you have about this topic? Let me know in the comments if I can help in some other way!
Your comments are not just welcomed; they’re an integral part of our community. Let’s continue the conversation and explore how these ideas align with your journey towards Money Bliss.
First date etiquette: How much should you spend? Who should pay? And can you talk about money?
By Emily Mee, Money team
Money isn’t the sexiest topic on a first date.
No one would say the best part was when their date leaned over, looked into their eyes and said: “Shall we split the bill?”
So if you want to save awkward vibe killer conversations, it might be worth thinking about money before you even set out for your date.
Can you talk about money?
TV presenter and dating coach Anna Williamson told the Money blog: “Typically as Brits we’re brought up to not talk about money – but I think there is a real sweet spot around being open and transparent in a respectful way around finances.”
If money is tight, she suggests the best way to make sure you’re not caught out is to take hold of arrangements, casually suggesting something low cost such as coffee, a museum, or a walk.
Just don’t get into this situation
Sexual health and relationships educator Lalala Letmeexplain agrees, and says low-cost first-dates avoid situations like this…
“I went for a first date with someone I’d never seen or met before and we booked in for a three-course meal. Right from the starter I knew that I didn’t fancy him and it was such an awful situation to be in because I was like, ‘Shit, we’ve got to get through the main and dessert’.”
Who should pay – the do’s and don’ts
As much as society has moved on, the old-fashioned view that, on heterosexual dates, the man should pay lingers on. A 2019 survey conducted by online dating site Elite Singles found 63% of men believed they should be the ones to pay on the first date – and 46% of women surveyed agreed.
If you’re not expecting a second date, Lalala says it’s often considered fair to split the bill – but if you’ve “got a bit of a vibe going on” and want a second date, you might want to suggest paying.
She adds that although there is no “hard and fast rule”, she would take a man’s offer to pay as a hint he is interested.
“If he’d paid for me the first date, I’d be more than happy to pay the next time,” she adds.
But while it can be flattering for someone to splash out on you, those who pay shouldn’t create a situation where “the other person feels that they are indebted or that they owe them something”.
“If someone spent £200 on the first date and you didn’t ask them to and it’s completely their choice, are you then put a position where you feel like you have to sleep with this guy or see him again because he’s gone all out?” she says.
“Be honest – don’t let somebody splash out on you if you know you don’t want to see them again.”
There is no objective answer here
Lalala says the question of how much you should spend on a first date depends on who you’re talking to.
“I think you have some people who feel like, ‘if you’re going to take me out on a date, I want to see you’re invested in that – that you’re buying me dinner or whatever’ – and then there are other people who are like, ‘You really don’t need to spend a penny and I’m absolutely happy to just go for a walk’.”
According to a Sky News poll for the Money blog, the majority of people (40%) believe it’s reasonable to spend roughly £20-50 between two people on a first date.
Another 39% say it’s reasonable for people to spend £50 to £100 (the total cost for both parties)…
When you buy through links in this article, we may earn an affiliate commission.
Most cats are perfect companions for apartment living. They sleep an average of 15 hours a day and can easily be left alone with food, water and a litter box. However, your indoor kitty does need some form of activity each day to keep them entertained. If left alone for too many hours, your cat may misbehave by scratching furniture, chewing on plants or engaging in some other unwanted behavior.
It’s a good idea to buy some cat toys to keep your feline friend entertained and well adjusted. You don’t have to spend a lot of money to set up a pet-friendly apartment.
Cat behavior experts suggest that a playful cat is confident, affectionate and alert. Besides providing an outlet for physical energy, playing with your cat for just 20 minutes a day can reduce stress and help you bond with one another. In general, movement stimulates cats and they like to chase things. Here’s a selection of some of the best cat toys for your apartment.
Cat tree with toy
Source: Chewy
Every cat needs a scratching post to stretch and scratch on daily. This sturdy cat tree gives your cat a cozy spot to call its own. It comes fully assembled and has quality materials like solid wood posts, thick household-grade carpet and sisal rope. It includes a hanging ball to play with. Place it next to a window, and your cat will love to nap here while soaking up the sun.
Catnip cat toys
Source: Chewy
Catnip is a perennial herb that stimulates special receptors in cats giving them a sense of euphoria or overwhelming happiness. Inexpensive catnip cat toys provide hours of playtime. These lightweight stuffed toys are chemical and pesticide-free and the perfect unobtrusive cat toy for your apartment. Take these catnip toys out anytime your pet needs a boost of energy, and you’ll quickly find her chewing, batting and running around.
Tower tracks cat toy
Source: Chewy
This interactive toy encourages your kitty to play with spinning balls on a track. It’s self-contained so she’ll never lose the balls. It’s great for single or multiple-cats. You’ll love watching your cat bat at the balls as they spin round and round. The tower tracks cat toy has non-skid pads so it won’t move as your kitty plays.
Laser exerciser cat toy
Source: Chewy
This is an inexpensive and fun toy for both you and your cat. Light and movement intrigue cats. Turn the lights out and point the laser at the floor or wall, and your cat is sure to chase the image and attempt to capture it. The LED light is safe for use indoors or outdoors. Playing together also helps strengthen the bond between you and your cat.
Ambush interactive electronic cat toy
Source: Chewy
This compact interactive electronic toy brings out the hunting instinct in your cat and offers the perfect way to stimulate her in a small space. A colorful feather randomly pops out from one of the six holes, using LED color lighting and motion. Your cat will pounce and paw at the feather in try to catch it. The anti-skid feet keeps the toy from moving throughout the game. When your cat wins the battle, the feather is easy to remove and replace.
Bird teaser with feathers
Source: Chewy
Wave the feather teaser around and the colorful feathers and sudden movement will entice your bored kitty to jump and play. By stimulating her natural curiosity, it’s the perfect way to give your cat the daily exercise she needs. This colorful bird teaser has catnip to make playtime even more enticing, stimulating your cat’s natural hunting instincts.
Play mouse cat toy
Source: Chewy
This 10-pack of fuzzy play mice provides hours of feline fun. Drive your cat wild with the sights, sounds and feels they love. Toss them to get your kitty to chase them around your apartment.
They’re great for a single kitty or multi-cat households, too. They’re inexpensive and the perfect cat toy to have on hand whenever your cat seems to be bored.
Jingle bells cat holiday collar with bells
Source: Chewy
Get in the holiday spirit with this festive holiday collar. Your kitty will be adorable thanks to the jingly bells and classic holiday colors. The collar can be worn on top of your everyday collar for short durations and is perfect for holiday pictures.
Walking Santa cat costume
Source: Chewy
Have some holiday fun with your kitty and dress her up in a Santa suit. The two-piece design is super cute and includes a body piece and separate headpiece with elastic ear and chinstraps, along with a hook-and-loop fastener at the neck. Adjust it for a comfortable fit and let your furry friend spread cheer during the holiday season.
Enjoy play time with your cat
No matter what type of activities you decide to do with your kitty, they’ll get bored with the same toys after a while. Try to provide your fur baby with the best cat toys and rotate them every few days. Old toys can become new again if you put them away for a little while!
Playing with your cat is fun and will help you transform your home into the purr-fect home.
Rachel Cooper is a freelance writer and author with more than a decade of online journalism and content creation experience. She has written for About.com, Washingtonian, Federal City Council, Montgomery Parks, Destination Maryland, Conde Nast Traveler, Payscale, Valpak, Grandparents.com, Washington Parent and more. Her books include Quiet Water: Mid-Atlantic, AMC’s Canoe and Kayak Guide to the Best Ponds, Lakes and Easy Rivers; 60 Hikes Within 60 Miles: Washington, D.C. and Images of Rail: Union Station in Washington, D.C.
Cats are simple creatures. They only require that you love them unconditionally (when they are ready for love), always give in to their (sometimes frivolous) demands and have a full bowl of kibble ready at any hour of the day.
In exchange, you’ll get a feline friend who is mostly indifferent to everything around them, has energy bursts and sleeps a lot. The last point is important, as cats can snooze for up to 16 hours daily. And naturally, the king of your urban jungle needs a comfortable bed, and the more elegant it is, the better.
In this article: Furhaven Mid-Century Modern Elevated Pet Bed, Gavenia Fluffy Self-Warming Cat Bed and Pickle & Polly A-Frame Tent for Cats.
Only the best for your fluffy friends
Pet owners naturally want to provide their furry friends with some comfortable furniture, but too often cat scratchers and loungers look ghastly. Most of the designs don’t seem to take into consideration that only a few people’s aesthetic is cardboard chic or sisal serene.
But cats don’t need to scratch and sleep in the same location. Having a scratcher is fine when it’s in a busy, high-traffic area, but for other quieter areas, felines feel most at home in a comfortable bed.
However, not just any bed will do. Apart from getting cat furniture that fits in with your decor, there are a few things to consider. If your cat prefers a space off the ground, consider an elevated bed that gives them a vantage point.
Also, take your cat’s weight into consideration. The thickness of a mattress might seem sufficient, but heavier cats will naturally need a bit more support and the frame should be able to handle it. Related to the mattress, consider the material that it’s made from, as some are better suited for colder months while others are more lightweight for summer.
Best cat beds that might as well be home decor
Furhaven Mid-Century Modern Elevated Pet Bed
There is no better cat bed than this piece inspired by mid-century modern design. It looks good in any room, and at first glance, it doesn’t even seem like a bed for pets. It is 32 inches long and 22 inches wide and stands 9.8 inches tall. The wooden bed frame comes with pre-drilled partitions to make assembly easier, and it fits 20-inch by 30-inch mattresses.
Sold by Amazon
Gavenia Fluffy Self-Warming Cat Bed
This ultra-fluffy doughnut-shaped cat bed fits in with any clean decor or carpeted room. It has a water- and dirt-resistant base that won’t slide around on the floor. There are three sizes, and the smallest bed measures 20 inches in diameter and is 7.5 inches thick. The filling is polypropylene cotton, which is warm and cozy.
Sold by Amazon
Pickle & Polly A-Frame Tent for Cats
This adorable cat bed is perfect for a home with a rustic decor scheme or a vintage aesthetic. The simple frame is made from sturdy wood and held together at the top with a dowl rod. The fabric tent neatly attaches to the frame through elegant bows and provides a comfortable space for any cat to catch some shut-eye.
Sold by Amazon
PawHut Weaved Banana Leaf Elevated Cat Bed
This cat bed can easily be mistaken for a plant holder or an elaborate storage space. The weaved banana leaf cat bed gives off a tropical or rustic vibe, yet also looks elegant. The entrance into the ball-shaped area where cats sleep is 15 inches in diameter, and it stands on a 6.7 inch base. The fluffy cushion is 1 inch thick and 19.7 inches in diameter.
Sold by Amazon
The Refined Feline Faux Rattan Elevated Ball Cat Bed
Similar to the banana leaf bed, this elevated ball cat bed stand 28 inches tall on a 17 inch base and the ball is 11 inches off the ground. The opening on the ball is 17 inches in diameter, which is large enough for most cats. It is made from faux rattan, which is durable and elegant.
Sold by Amazon
Petmate Aspen Pet Sofa Bed with Pillow
This adorable cat couch is perfect for making your feline feel right at home while fitting in with the room’s decor. It is 20 inches long and 9 inches wide, with a plush ridge around the back edge. The sleeping area is covered in a synthetic lambswool and it even comes with a little pillow for comfort.
Sold by Amazon
Wall-Mounted Hammock for Cats
If your cat prefers to gaze upon the world from above, then this wall-mounted hammock is the perfect option. The cream and brown color scheme complements any decor choice and provides a functional sleeping spot. The sturdy backing has a scratch pad and the hammock can easily support cats up to 22 pounds.
Sold by Amazon
Free-Standing Cat Hammock
This free-standing hammock resembles an ottoman, which is great if you want it to seem like it’s part of the furniture. The simplistic metal frame is 19 inches wide and the hammock is 9.5 inches off the ground. The sleeping area is made from durable fabric is detaches from the frame for machine washing.
Sold by Amazon
Lazy Lush Orthopedic Pet Bed
If humans can have a comfortable couch, then why can’t cats? This bed isn’t elevated off the floor, but it has a 3-inch mattress for comfort. Measuring 30 inches by 20 inches, there is a 3.5-inch shredded foam wall around three sides, which doubles up as a pillow. The mattress comprises a waterproof lining, orthopedic foam and soft fur on top.
Sold by Amazon
Asrug Soft Faux Fur Pet Bed
If a fur rug is part of your decor choices, then this cat bed will be hardly noticeable. Approximately 26 inches by 37 inches, it has a 2.5 inch thick fake fur pile that provides a luxurious space for daytime napping. It has a soft, ivory-colored suede backing to prevent slipping and is machine-washable.
Sold by Amazon
Want to shop the best products at the best prices? Check out Daily Deals from BestReviews.
Sign up here to receive the BestReviews weekly newsletter for useful advice on new products and noteworthy deals.
Charlie Fripp writes for BestReviews. BestReviews has helped millions of consumers simplify their purchasing decisions, saving them time and money.
BestReviews spends thousands of hours researching, analyzing, and testing products to recommend the best picks for most consumers.
Copyright 2024 BestReviews, a Nexstar company. All rights reserved.
Do you want to learn how to get paid to work out? If you have a passion for working out and want to turn fitness into a way to get paid, then you are in luck. There are many ways to get paid to work out, and today we will be talking about 19 ways…
Do you want to learn how to get paid to work out?
If you have a passion for working out and want to turn fitness into a way to get paid, then you are in luck. There are many ways to get paid to work out, and today we will be talking about 19 ways to make extra money while exercising.
In today’s post, you’ll learn:
Ways to turn exercise into cash
How to make money running
Apps that pay you to walk
How you can get paid to lift weights
19 Ways To Get Paid To Workout
Below are the best ways to get paid to work out. From popular money-making apps to full-time jobs, there are many people and companies that pay you to work out.
1. Sweatcoin
Sweatcoin is a free app that pays people to walk.
The app rewards daily steps with Sweatcoin currency (coins) that lets you spend the credits on gift cards (such as to Amazon or Starbucks), iPhones, Apple Watches, donate it to charity, and more. Other rewards include a free subscription to meditation apps, a free Scribd trial, wireless headphones, massage memberships, discounts on Barkbox, coffee subscriptions, gym memberships, and more.
This is one of the most popular apps in the world ever, with over 120,000,000 registered members.
2. Stepbet
Stepbet is another popular fitness app that pays you for walking. You can connect your fitness tracker (such as your Apple Watch, Fitbit, Samsung Health, or Google Fit) to the app and even set weekly step goals to keep you motivated.
The app works like this: You select a game to get your step goals, then bet into the pot to join. If you meet your weekly step goal, you can split the pot and get your bet back plus make a profit.
This app makes it easy to stay motivated to walk because you have a financial stake in it as well. This is a great way to get paid to work out from home.
3. Healthywage
Healthywage is one of the most popular fitness apps that pays you to lose weight. Once you’re on the site, you enter how much weight you want to lose. You also enter how long you’ll have to complete the weight loss goal and how much money you want to bet per month.
For example, if I wanted to lose 30 pounds in under 9 months and bet $60 of my own money, my prize range is between $588-$1,116.
There are weekly weigh-ins and support from other contestants to help you get closer to your weight loss goal. If you complete the weight loss goal, you win the prize.
The purpose of HealthyWage is to motivate you to lose weight and make it more motivating and engaging by using a financial incentive.
4. DietBet
DietBet is a platform with the concept of social networking with weight loss goals. DietBet functions essentially as a dieting game where contestants can bet money on the ability to meet their weight loss goals within a certain time frame. Winners get to keep the cash reward.
To get started with DietBet, you join a game that is basically a body weight loss challenge. You place a monetary bet into a communal pot. Whoever wins the pot (and achieves their weight loss goal) gets the divided winnings at the end of the challenge.
To make sure that everyone is playing fairly, you have to submit verifiable weigh-ins at the beginning and end of each challenge via photos or videos.
5. Fit For Bucks
Fit For Bucks is a workout app that pays people to walk, dance, run, and stay active. To get started, download the Fit For Bucks app and connect your activity tracker or Apple Watch. Then you can get moving and start earning rewards for your daily movement.
Rewards include things like free coffee, money towards fitness studios, free haircuts, and more. The goal of this app is to get people active and motivated to move more.
6. Waybetter
Waybetter makes losing weight fun by challenging you with fitness-related games. This app turns what could be described as boring into something that makes healthy habits sustainable and fun to help you on your weight loss journey.
The app works by making games that create micro goals and gives you accountability and support from other like-minded people. Games on Waybetter include things like walking at least 8,000 steps a day, drinking a certain amount of water, decluttering your home, reading books, flexibility challenges, increasing your plank time, and many more.
7. Charity Miles
Charity Miles is a little different than the other apps mentioned in that it doesn’t reward you personally. Instead, your rewards go to the charity of your choice.
To get started, download the Charity Miles app. The app connects with your phone’s Apple Health app and automatically pulls the steps from there. Any fitness devices linked to your Health app will sync to the app. The app turns all of your miles you walk, run, and bike into money for charity.
You can track all kinds of activities for Charity Miles including walks, runs, bike rides, shopping, golfing, dancing, and anything step-related.
8. Rover
One of my favorite ways to make extra money is walking dogs on Rover. Rover is an app that connects dog walkers with dog owners. I have been a Rover dog walker and absolutely loved it. I have been paid for walking dogs (which gave me exercise for the day) and spending time with really cute pets.
To get started on Rover, make a profile and list what services you offer. If you have previous experience dog walking, this is a major plus and will make you stand out from other dog walkers.
If you don’t have previous experience walking dogs, set your rates lower than other people on the app. This will make your rates competitive and you’ll get chosen quicker. These people will leave you reviews (and hopefully good ones, granted your services are great). The more 5-star reviews you have, the more you’ll stand out.
Recommended reading: 7 Best Dog Walking Apps To Make Extra Money
9. Evidation
Evidation is an app that rewards people for doing things like walking, sleeping, biking, and more. To get started, download the app and connect your Apple Health, Fitbit, Garmin, or Oura app. This will sync your daily steps, which will give you points you can redeem in the app.
You can also earn points in the app by participating in surveys that ask questions about your health. For every 10,000 points you earn, Evidation will pay you $10 which you can redeem via PayPal cash and other cash prizes.
10. MapMyFitness
MapMyFitness is an app that tracks workouts including running, cycling, and other physical activities. While you won’t get paid with MapMyFitness, you can enter challenges and win monthly prizes.
Some employers or organizations will use MapMyFitness to stay active by participating in fitness challenges. These challenges backed by employers may even have rewards.
11. Walgreens Balance Rewards
Walgreens Balance Rewards is a program that gives you redemption dollars at Walgreens for doing things like walking and other fitness activities. With the Rewards program, you can link your fitness trackers which will sync your steps in the app.
You can also earn points for doing things like tracking your blood pressure, sleep, and weight.
12. Guided walking tours
If you have a lot of knowledge of your local town or a historical place, you may want to sell guided walking tours.
To get started, find a historical or touristy spot that would work well with a guided walking tour. Create your walking itinerary and highlight key points of interest and historical facts.
Start small and gradually work your way up to offering larger walking tours. This is a great way to combine your love of fitness with your love of a local spot that tourists love to visit.
Recommended reading: How to Make Money as an Airbnb Experience Host
13. Ski instructor
If you love skiing and enjoy teaching others how to do this sport, you may want to try becoming a ski instructor. This way you can combine your love for the sport and teach others how to ski as well.
To become a ski instructor, you likely need to obtain a recognized ski instructor certification. This will make you more marketable and even allow you to teach more advanced lessons.
Ski resorts are pretty much always hiring ski instructors, and you don’t need to be an expert or an Olympic skier to become a ski instructor either. This is something that you can learn to do.
14. Rock climbing guide
If you like to rock climb, then you may be able to become a rock climbing guide. Earning money doing this requires a combination of skills, certifications, marketing, and networking with other people who also work as guides.
To get started, it’s important to obtain certifications offered by the American Mountain Guides Association. This will increase your credibility and give you more job opportunities.
You may even want to connect with local and online climbing groups to market your business and get the word out that you’re a rock climbing guide. Put up flyers in your local rock climbing gym and make it easy to get in touch with you about your services.
15. Fishing guide
Making money as a fishing guide requires a certain set of skills, certifications, and licenses. It’s also important you have extensive knowledge of the best local fishing spots, seasons, and regulations.
Working as a fishing guide takes a lot of physical activity since you’re doing a lot of walking, wading in water, and (obviously) fishing.
Many places are in constant need of fishing guides, such as lodges and guide companies in Florida and Alaska.
So, you can easily network with local businesses such as bait shops, fishing gear retailers, and local hotels. The more people that know about your services as a fishing guide, the better.
16. Fitness trainer
One obvious way to get paid to workout is to work as a fitness trainer. Working as a fitness trainer involves a combination of skills, marketing yourself effectively, and providing top-notch service to your clients.
To get started as a fitness trainer, it’s important to obtain a reputable certification from organizations like NASM, ACE, or ACSM. Once certified, you can teach others how to workout in person at local gyms or offer virtual training.
You could even sell workout plans as a personal trainer, such as on a social media platform. I have seen many fitness influencers do this over the years.
17. Landscaper
Landscaping is a physically demanding job, but if you love it, you can turn it into a way to make extra money. As a landscaper, you can offer all kinds of services such as lawn maintenance, garden design, and tree and shrub care.
You’ll want to make sure that you take photos of your work and gather a portfolio so future clients can see the incredible work you can do. Word of mouth plays a big role in the landscaping business, so it’s important to give the best service to your clients.
18. Yoga instructor
If you love yoga and want to make money teaching others how to practice, then become a yoga instructor. To get started, you need to obtain a teacher certification from a reputable organization. Reach out to local yoga studios and figure out where people are getting certified in town.
Once you get certified, you can even specialize in a certain niche such as prenatal yoga, therapeutic yoga, power yoga, Bikram yoga, and more. You can teach group classes, private classes, workshops, and even online classes.
You may even want to try developing an online presence which will attract new people to your yoga classes.
19. Share workouts on Instagram
You can make money as a fitness Instagrammer once you have a strong following. It’s important to share high-quality and visually appealing photos and helpful captions. Share workout routines, fitness tips, and inspirational content to keep your audience engaged.
Once you have a good number of followers, you can make money with sponsored content, affiliate marketing, and even selling your own workout training programs and guides. You can even promote your online coaching services and work with people 1-1.
Another way similar to this is to do something similar on a YouTube channel that you create!
Frequently Asked Questions
Below are answers to common questions about getting paid to work out.
How can I make money if I like working out? How can I make money being physically fit?
There are so many ways to turn your love of working out into money. This can be done using apps like Sweatcoin or running a business such as personal training or dog walking.
Can you get paid to run? What app pays you to run?
If you enjoy running, make some extra money or get free stuff by using apps that pay you to walk or run. If you want to make a part-time income, then become a dog walker on Rover and take dogs on walks or runs.
What app pays to walk?
Apps like Sweatcoin, Fit For Bucks, and Rover pay people to walk. Sweatcoin and Fit For Bucks pay in rewards within the app, and Rover pays actual money for walking dogs. Some of these apps are available on iOS or Android devices, as well as on your laptop or computer as well.
Other fitness apps that you may have heard of include FitPotato, Runtopia, Step Younger, and Gym-Pact. I have not researched these, though.
Are there gig economy jobs that I can do while working out?
Yes, some gig economy jobs (such as DoorDash) can be done from a bike, which could be a great workout.
Can you get paid to lift weights?
While you’re lifting weights, apps like SweatCoin will count how many steps you’re walking during your workout. Besides that, you can make even more money by lifting weights by:
Competitive weightlifting and get paid via prizes, sponsorships, and endorsement
Fitness modeling
Social media and content creation (sharing your fitness tips with followers)
Offering fitness workshops
Sell weightlifting programs or training guides
Best Ways To Get Paid To Workout – Summary
I hope you enjoyed today’s article on how to get paid to work out.
If you enjoy exercising and fitness, turn that passion into extra cash by getting paid to workout. This list of ways to make extra money pays you to walk, lift weights, run, and do other physical activities that also benefit your well-being.
As you read above, there are many great apps and jobs that will pay you to work out.
What’s your favorite way to get paid for a workout?
After several days of heavy volatility, the bond market is drifting into a sideways daze, lulled to sleep by the repetitive tones from multiple Fed speakers. One after another, they’re saying the same version of the same thesis (good progress on inflation, but need more, might cut in 2024, but not yet, surprisingly strong econ gives us time to decide, etc). Bonds have clearly heard it all before, which is why they didn’t care about Powell saying this stuff last week. NYCB headlines were worth temporary volatility, but not lasting changes. The largest ever 10yr auction passed without a trace.
09:11 AM
Initially stronger overnight on NYCB downgrade, but steadily weaker into domestic hours. Pushing back modestly now with MBS down 3 ticks (.09) and 10yr yields up 1.8bps at 4.108.
09:47 AM
10yr yields are quickly down a a few bps at 4.073 after new NYCB headlines. MBS up 2 ticks (.06).
11:46 AM
NYCB gains erased fairly quickly. 10yr now back to 2bps to 4.11. MBS down 3 ticks.
01:05 PM
Uneventful 10yr auction. 10s up 2bps at 4.11. MBS down 6 ticks (.19) on the day in 5.5 coupons.
02:26 PM
10yr unchanged from previous update. MBS tightening up a bit, now down only 3 ticks (.09).
04:42 PM
Weakest levels of the day with MBS down a quarter point moments ago. 10yr up 2.7bps at 4.117
Download our mobile app to get alerts for MBS Commentary and streaming MBS and Treasury prices.
Small Luxury Hotels of the World (SLH) is a collective of high-end properties that meet high standards for service and style. There are more than 500 boutique hotels in 90 countries that make the grade.
SLH will not become one of the many Hilton Honors brands, but the strategic partnership between the two unlocks the door to significantly more luxury properties than are currently in the Hilton portfolio.
For now, the details of using Hilton elite status benefits and credit card perks at SLH properties are still being ironed out, but Hilton members will soon be able to earn and redeem points at the participating luxury hotels.
What happens to the World of Hyatt partnership?
As Hilton Honors ramps up its partnership, World of Hyatt will end its connection with SLH. This comes on the heels of Hyatt’s new acquisition of travel club platform Mr. & Mrs. Smith, which gives World of Hyatt members plenty of opportunity to earn and redeem points at more than 1,500 luxury properties. Hilton will have an exclusive partnership with SLH.
9 Small Luxury Hotels of the World properties to look forward to booking with Hilton points
To book these new hotel options, Hilton Honors members can use any of Hilton’s traditional reservations channels to book a stay at participating SLH hotels. This includes earning and redeeming points, which multiply when you use a Hilton Honors co-branded credit card.
Hilton Honors is also a transfer partner of AmEx Membership Rewards. No matter which credit card you use, these are some of the exciting SLH options that may participate in the Hilton Honors partnership.
1. The Principal Hotel, Madrid
Along the famous Gran Via, this hotel is close to popular shopping, theaters, nightlife, dining and tourist attractions like the Prado and Retiro Park.
Be sure to visit the one of the rooftop restaurants and bar for cocktails and tapas before heading out to a night on the town.
2. Inverlochy Castle, Scotland
Want to sleep in a castle? Hilton Honors points could be your chance. The 19th century Inverlochy Castle is in the Scottish Highlands where guests can slumber like royalty.
Other activities include fishing, hiking, mountain biking, golf and even a ride on the Hogwarts Express train of Harry Potter fame.
3. Hotel Excelsior, Dubrovnik, Croatia
Hugging the Adriatic Sea, this year-round hotel provides excellent views of the city’s famous Old Town (which was used for filming King’s Landing in “Game of Thrones”) and the popular island of Lokrum across the bay.
Instead of a traditional sandy beach, guests have a stone-lined deck from which they can take a dip in the water or lay back in the sun. There is a heated indoor pool and spa when the weather is not ideal for sitting by the sea.
4. Nimb Hotel, Copenhagen
Facing Tivoli Gardens, one of the oldest amusement parks in the world, this hotel looks like part of a fairytale. Not only is there a convenient rooftop pool and sun deck available for guests, but anyone that stays here enjoys free access to Tivoli Gardens when it is open.
5. Hemingways Nairobi
Hemingways Nairobi is a solid option for visitors either before or after a safari trip because of its location near Nairobi National Park. It has its own gardens offering tranquility from the city of Nairobi, one of East Africa’s bustling downtowns.
An outdoor swimming pool, massive guest rooms and plenty of green space are all less than 30 minutes from the city-center Wilson Airport, where many safari flights depart.
6. The Anam Mui Ne, Vietnam
Along the East Sea, this resort is similar to a Hawaiian getaway with beautiful sea views and two sparkling swimming pools.
The Vietnamese restaurant serves traditional regional recipes from around the country, and don’t miss the evening sundowner music and dance performances.
7. Viceroy Bali
This small, family-owned resort five minutes from Ubud is surrounded by rice fields and lush foliage ideal for guests looking for a wellness vacation, especially one focused on meditation and self-improvement.
Its 40 private villas offer oversized infinity pools, and local experiences include everything from a walk through the rice paddies to Balinese dance lessons and temple offerings.
8. Keswick Hall, Charlottesville, Virginia
This luxury resort overlooking the Blue Ridge Mountains in the Virginia countryside boasts renovated interiors, a new spa and a Jean-Georges’ restaurant.
History buffs will appreciate its proximity to Thomas Jefferson’s Monticello.
9. The Roundtree, Amagansett
In the Hamptons on Long Island, this boutique hotel provides respite from the bustle of New York City and puts visitors within reach of the Atlantic Ocean.
A beach buggy takes guests to the shore during the summer, but back at the property, there is a lot to do, too. This includes popcorn and s’mores by the fire pit, afternoon tea and cookies, biking around the area, golf, baking classes and wine tastings.
The accommodations are made up of rooms, suites and private cottages.
The Hilton Honors and SLH exclusive partnership recapped
Hilton Honors members have another option for earning and redeeming points now that there is an exclusive partnership between Hilton and Small Luxury Hotels of the World. As long as you make a reservation through a Hilton channel, SLH hotels now offer Hilton Honors members access to more than 500 boutique hotels around the world.
How to maximize your rewards
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024, including those best for:
Have you ever been sitting around with your friends and heard everyone talking about something they have done that you haven’t? We’ve all experienced a certain level of embarrassment when we realize that the people around us have had some experience we missed out on. Well, don’t worry because today we will unveil the top twenty everyday things everybody has done… except YOU! That’s right: You may not have hiked mountains or traveled the world, but trust us—there are plenty of experiences and opportunities for growth out there that can easily spice up your life.
So get ready to explore some of the most fun things to do—from social media to common adventures! It’s time for an unforgettable journey through some amazing experiences.
1. Trick-Or-Treating as a Child
One user shared, “Gone trick-or-treating as a child. It was forbidden by my church, so my parents would shut out all of our lights, and my brother and I would sit up in his room and watch all the other kids walking around in their costumes. I have my own kids now, and we trick-or-treat, carve pumpkins, give out candy… the whole nine yards.”
Another user asked, “Do you dress up with your kids and get candy now??”
The OP answered, “I’ve dressed up a few times… one year, my kids were the perfect ages for us to dress as the Incredibles, and it was epic. I even cut/dyed my hair just like ElastiGirl because I was so excited. And yes, I know what wigs are, but it wasn’t that much of a stretch from what I had then.”
2. Snapping Your Fingers
One Redditor posted, “I can’t snap my fingers…”
Another user commented, “Now I’m really curious if it’s a physical situation that limits how your fingers move, or if people have been explaining the moves wrong… Can you fold your ring finger so that its fingertip sits roughly in the middle of the blob of muscle on the palm below the thumb?
“And can you kind of press that fingertip into that muscle to make that finger’s end joint flatten out roughly straight?
“Propping the 3rd finger against the thumb will create that small gap between the base of the thumb & ring finger’s fingertip. Can you aim your middle finger to fly to fill that gap — when the thumb abruptly slides out of the way and lets the ‘spring-loaded’ middle finger fly there?”
Another user commented, “Well, I just snapped for the first time in my 34 years of living!”
3. Breaking a Bone
One user shared, “Prob break a bone; it at least seems common since I’ve seen tons of people with broken bones in school (Brace, cast, crutch, etc.).”
Another user commented, “I never broke a bone til I was 41. I tripped, caught myself and broke my elbow.”
One added, “Well, that’s bizarre. Same exact thing. It was two years ago when I was 41. The first bone break was my elbow (radial head fracture) after slipping on ice and trying to catch myself. Best part? The term for that type of fall is a FOOSH (fall on outstretched hand). So, my wife erupted in laughter and decided to call me a footbag, which was the best way to ease my pain at the urgent care…”
5. Moving Out of Your Childhood Home
“Move out of my childhood home,” shared one user.
Another Redditor commented, “There was a guy in my neighbourhood growing up who was around 70. He lived in the same house he grew up in and still drove his first car, an old … pickup.
“He was a cool old dude. He also told me his dog was the same one he had growing up, and I was little and susceptible, so it filled me with hope and joy about my dog. I think he underestimated my stupidity and felt terrible, so he told me the dog was different.”
6. Having a Messed up Nose
One user commented, “Had a nosebleed.”
Another user added, “Think I probably had your share.”
One Redditor said, “I’ve never had one either, and I have been punched in the nose a few times and nothing.”
7. Walking On Two Legs
“Walk on two legs. I walk just fine, but with a prosthesis,” one Redditor posted.
Another user commented, “Prosthesis etiquette question: Is it considered rude to compliment someone on a prosthesis with a neat design? I saw a guy with the coolest Spiderman-themed leg, but I had no idea whether it was okay to mention it.”
One user replied, “Amputee here. Most would be cool with that. If they have Spiderman on their leg, you’re probably fine. For those that it’s a sensitive subject, they will go to great lengths to hide their prosthesis.”
8. Rolling Your R’s
“Rolled my r’s,” one user posted.
Another user commented, “Dude, my 8-month-old daughter learned she could do it a few days ago and hasn’t stopped since. Instead of crying, we just get really long rrrrrrrrrrrrrrrrrrrrrrrrrr cries.”
9. Breaking Bad Cycles
One user shared his story of resilience, “I grew up in a [drug] household. My dad. My sister’s. My brother. Their SOs and friends. My boyfriends later on. My sister’s kids. All methods are out all the time.
I was the only one with a job, trying to sleep and eat like an average person. It was crazy. My nephew in prison has asked me numerous times why I never did it. Dude, what? It’s not like they made it look good or fun. Jesus
“Edit to add: holy moly, guys! I didn’t realize this post would get so much attention! Thanks for the well wishes and the awards. I survived, and I’m doing great, given the circumstances. I can’t say the same for all the rest of the family. My sister and BIL did get clean, but unfortunately, two of my nephews did not. One is in prison, and one is off the grid, strung out on meth, living on the street pretending he is Rambo. But I’m proof the cycle can be broken. Thanks again for everything.”
10. Pooping Your Pants as an Adult
One Redditor posted, “[Crapped] my pants as an adult. I know it’s coming, and I consider myself privileged.”
One user shared, “As someone who [messes] their pants way more often than any adult should admit to, I find this comment hilarious. You have it coming in. ETA: Thanks for the award! Now I can say I have an award-winning story!”
One user added, “Broke my unbeaten run of not messing my big boy pants going through chemo. It’s ridiculous enough that you’ve just got to laugh. Funny, though, I mentioned it at work, and while all the guys present were willing to hold their hands up and admit to it happening to them at some point/share stories and have a laugh about it, even the usually stoic and serious guy who doesn’t open up was willing to, which was a surprise…
“All of the women present strongly denied having any experience of it. I don’t believe the numbers. I wonder if this trend of being willing to admit to it holds true as a split between the sexes across the board. Just one of those random occurrences that gives you pause for thought.”
11. Getting Stung by a Bee
“Gotten stung by a bee/wasp,” posted by one user.
Another commenter added, “Same here, still deathly afraid of them.”
One Redditor shared, “It’s nowhere near as bad as you learn as a kid unless you have an allergy. People grow up learning to fear them from kids, but it’s really super minor by adult standards. The initial sting of a wasp is a surprise, and then it’s just sore like a cross between a sunburn and a really big sore mosquito bite minus the itch.”
One replied, “It’s not so bad until you get stung for the first time on your bottom lip the day before your wedding from a bee that decided it was a good idea to climb down the straw sticking out of your tasty, tasty cocktail… Actually, I guess in the end, it was a plus… it was like 24 hours of lip filler for the bottom lip.”
12 Going Skinny Dipping
One user shared, “Skinny dip. And I’m over 60. So disappointed. Never had the opportunity.”
Another user commented, “There’s still time.”
13. Going to Prom
“Been to prom,” one Redditor shared.
Another user commented, “Me too. But it’s all good.”
One commenter shared, “Me too. Unlike what Pretty in Pink made me believe, I have no regrets, and I literally never think of it.”
14. Whistling
One user posted, “Whistled.”
Another user commented, “I have to inhale to whistle. Can’t exhale to do it.”
One Redditor added, “I’ve finally found my people.”
Another user replied, “As a fellow inhaler, I find I can whistle much higher notes than those who exhale. Losers.”
15. Getting Drunk
One user posted, “I’ve never been drunk.”
Another user confirmed, “Me neither. Didn’t discover my gluten allergy until after college. I have visual migraines (kind of like hallucinations during a bad trip) as part of my gluten reaction. I always thought I was a super lightweight—two sips of beer, and I’d feel awful and thought I was super drunk. Since then, I honestly just associate the taste so strongly with that reaction that I can hardly smell it without feeling repulsed. It also triggers my depression for bonus points. No, thank you.”
16. Flying
One Redditor shared, “Got on a plane.”
Another user replied, “I’ve gone up in a plane but have never landed in one, lol. The only time I ever got in a plane was when my boss paid for us all to do this ‘bonding’ thing, which turned out to be skydiving.”
17. Having Surgery
“I have never had surgery,” one user posted.
Another user commented, “I was doing pretty well on this until a couple of years ago when I needed surgery to keep my insides from becoming outsides. The surgery was way better than the recovery.”
One commenter added, “I’ve got you covered. I’ve had enough of them to balance the scales.”
18. Using a Dating App
One user posted, “Used a dating app.”
Another user replied, “Have been married for almost two decades. Based on all the hoops, it looks like heterosexual men are jumping through just to get a date on these apps; if I ever end up single, I guess I’m just staying single and celibate.”
One user disagreed and said, “It’s not as bad as many guys say. You just need to keep yourself clean and well-groomed and work on your knowledge of socializing. And if that doesn’t work, lower your standards. I’ve seen a lot of stories on Reddit where someone has a friend who can’t get a date, but their standards are way too high. It’s like going on a dating app and only tapping yes to the ones you find super attractive.
“Sure, you should be attracted to your partner, but many people focus on the flaws and have this image in their mind of this perfect, flawless partner that simply isn’t out there because we’re all human and have flaws.”
19. Paying Credit Card Interest
One user shared, “Paid a penny of credit card interest.”
Another user also added, “Same here. I was always taught credit cards are for building credit and getting points. Never actually treat them as buying something on credit.”
One commenter replied, “Same. I use my credit card a lot because I want that cash back, but it’s always paid off at the end of the month.”
20. Going On TikTok
One Redditor shared, “Been on Tiktok.”
Another added, “Never have and never will.”
One commenter replied, “Yeah, I am trying to leave half of the social media, not join more.”
Another user said, “I agree. I quit FB a couple of years ago. I’ve never had anything else. I’ve been on Reddit a lot the last couple of days. Maybe I’m getting lonely. lol.”
Do you have a common thing you haven’t done and would like to share? Let us know in the comments!
Source: Reddit.
10 Actors Perfectly Cast for Their Character Roles
Have you ever watched a movie or show and been completely lost in it because of how well an actor or actress became their character? Check out this article for a whole list of actors who were perfectly cast!
11 Vampire Movies That Will Make You Thirst for More
You know that feeling where you’re on a movie kick in a certain genre, but you seem to run out of good movies to watch? Well, if you’re down for a vampire movie or three, check out this article for the best ones out there!
10 Incredible Movies That People Rated 10 Out of 10
It’s pretty hard to replicate the experience of watching your favorite movie for the first time, but we’ve put together a list of movies that people have rated at a perfect 10/10. Next time you need a good movie to watch, check this out!
10 Famous People Who Canceled Themselves With Their Own Stupidity
We’ve all been there: you make a comment you haven’t thought through at all, and the whole room goes silent at what you’ve just said. But can you imagine doing that as a famous person—and getting canceled? Check out this list of celebrities who did just that!
13 Things You Shouldn’t Do When You’re in the US
Are you planning a trip to the US? Culture varies a lot between countries, even countries that share borders. So if you’re headed to the good old U. S. of A, here are a few pointers to make your travels go more smoothly!