Money is emotional; or should I say people are emotional about money. The number one reason why people resist financial wellness training it that they do not want to be told that they have been managing money incorrectly. It would appear that the only thing worse than not knowing how to handle money is to be told that you are the cause of your own poverty.
So the only question to ask is not “Why the Financial Black Belt’s Financial Self-Defense Training Series?” but rather “Why not the Financial Black Belt’s Financial Self-Defense Training Series?” The relationship between financial literacy and wellness is one that is so obvious, but also so often overlooked. And it is overlooked because people do not want to be told that most of their financial problems are directly linked to their actions.
Money is the leading cause of stress in today’s marriages. Money might be second only to infidelity and infidelity often involves money. This article is not about the latter, it is about why financial literacy training is so vitally important in today’s economy.
Financial-related stress impacts an individual’s health and can cause an increase in a variety of troubling physical symptoms such as migraines, as well as emotional symptoms such as depression and anxiety. Financial stress doesn't discriminate. It impacts everyone, regardless of an individual’s age or income level. In addition to affecting the overall health of an individual, it's been found to negatively influence an individual’s performance in his or her relationships, social interactions and in the workplace.
Financial stress can reduce an individual’s focus, weaken his or her morale and increase healthcare costs. Given its overall impact on an individual and his or her work-place performance, employers have an important role to play when it comes to an employee’s financial literacy.
The good news is that there are many things employers can do to support financial wellness in the workplace. Financial literacy training in the work place can lead to a vast array of organizational benefits such as: increases in brand recognition, better staff retention, lower absenteeism and higher productivity. Individuals tend to be receptive to receiving financial wellness support in the workplace, because they do not feel as though they are a target of a sales pitch.
Is it time for your organization to partner with the Financial Black Belt in 2019 to launch a workplace initiative that provides better tools to support your employee’s financial wellness? The content of the Financial Self-Defense Training Series is based on financial literacy and strategic planning, and will provide both employers and employees with strategies to improve their financial well-being.
When it comes to physical wellness, the health insurance industry has recognized that prevention is a key priority. Of the three well-being pillars (physical, mental and financial) some are more naturally thought of than others—but they're all interrelated. As a matter of fact, five modifiable risk factors for chronic disease (i.e. excess weight, unhealthy diet, physical inactivity, smoking and excessive use of alcohol) contribute to hefty costs to the healthcare.
However, financial health is just beginning to be recognized as important. People are increasingly aware that financial problems are a significant driver of stress, and financial hardship can lead to significant mental health issues. Financial challenges tend to manifest first in emotional issues and then in intellectual and physical issues. This clustering of symptoms create a downward spiral that affects the total life experience of an individual.
When an individual falls victim to financial challenges, he or she will try to medicate the pain away by turning to additive behavior that result in insomnia, low energy levels, and even an initiation or increase in alcohol and or illicit drug use.
Tackling these issues requires employer investment. Doing nothing is no longer acceptable and the most natural resource for individuals are employer benefit programs. If for no other reason, employers bear the brunt of employee’s poor health, absenteeism, short and long-term disability and premature death
While it can be a challenge, a personalized intervention, such as the Financial Self-Defense Training Series, supported by a well-organized employer benefits program, can help reduce these risks.
Behavioral change requires a program that educates, identifies drivers and motivators, builds skills, provides support, and measures results. The Financial Black Belt’s™ Financial Self-Defense Training™ Series does all of this.
Today's technology allows us to apply these proven techniques in tailored ways for more effective health interventions and sustained health behavior change in employees. The Financial Black Belt™ program is a Personal Financial Self-Defense™ strategy that applies the structure and discipline of martial arts training and the financial literacy and behaviors needed for one to become a millionaire.
Financial Self-Defense training™ gives employees a life-long strategy for building wealth, gives employers extra value for their HR dollars, and improves the employee – employer’s ability to give back to the community and help others. Financial Self-Defense Training™ provides basic and advanced financial training, teaches employees how to prioritize life to build wealth, and is a proven process that results in positive financial behaviors.
Training is delivered in person by a 2nd Degree Financial Black Belt™ through a series of presentations based upon belt levels and financial milestones. There are thirteen modules providing instruction on basic, intermediate, and advanced financial concepts. Seven modules are directed at Beginning belts and six modules are directed at Intermediate and Advanced belts.
Jim Rohm used to say “Everyone should set a goal to become a millionaire; not to have a million dollars, but because of what it makes of you in the process of becoming a millionaire.” This course teaches individuals character, discipline, and strategic thinking using a cross pollination process of martial arts and financial acumen.
The individual will gain competency in financial matters, have a broader understanding about economic drivers, have a written strategic goal for his or her life, make better financial decisions and be better positioned to build wealth and give back. The responsibility we have as a society is to ensure the success of the next generation in becoming productive members of the world in which we live. This program is a great place to start that process.
The Financial Black Belt™ program was developed over many years using strategic planning skills and life-tested financial literacy. The program was conceptualized in 2009 and each belt rank has been tested and proven by the developer. The developer is a 2nd Degree Financial Black Belt™ (Financial Assets Millionaire), financial mentor, and a Strategic Financial Life Coach who has used these strategies to secure financial independence.
This program offers the following benefits.
Sets a life-long strategic goal to achieve the rank of 6th Degree Financial Black Belt™.
Uses concept association to enhance financial acumen, receptive language skills and positive financial behaviors.
Builds financial discipline, effective financial decision making, and productive financial problem solving abilities.
Is strategically developed to help an individual achieve the financial level of millionaire before retirement.
Is a life-long strategic plan for achieving financial freedom that once implemented, will help individuals work through some of life’s most difficult financial challenges.
If you are ready to offer your employees greater opportunity for success, contact me to schedule a personal meeting to discover how the Financial Black Belt™ program can change the trajectory of your employees’ future. Email me at financialblackbelt@gmail.com.
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