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Showing posts with the label finances

Behind the Couch: Understanding Why Therapists Opt Out of Insurance

  Behind the Couch:  Understanding Why Therapists Opt Out of Insurance As a therapist, I've noticed an increase in the number of people who want/need to use their insurance benefits to receive therapy.  And, to be honest, when I first sought out a therapist for myself, I felt the exact same way.   I understand.  Therapy can be a very costly investment.  But that's how you have to think about it - as an investment...in yourself and your mental and emotional well-being. But working as a therapist, I've learned that there are some definite reasons that you may not want to use your inusrance benefits. Let me take a few moments to explain. Insurance Requires a Diagnosis In order to use your insurance for therapy benefits, the insurance company requires that the providing therapist give a diagnosis.  That means that once you enter into therapy using your health insurance benefits, there is a documented record of a mental health diagnosis on file for you.  And that record may stay

Thinking About Retirement?

  Thinking About Retirement? Raise your hand if you're already thinking abour Retirement?  Yeah, me too!   But not from therapy - I LOVE that job!  Being a therapist is my therapy. Part of my work as a therapist is to help people through various life transitions.  It's one of the things I love best to help people with.  But there's one of life's transitions that often gets overlooked, and that's the transition into retirement.  People are quick to think about or even plan for other life transitions, such as parenthood, empty nest, or career planning, but they forget to think about retirement. Some of you may be approaching this significant milestone, and as you do, it's important to prioritize your mental and emotional health, not just your financial future.  In this blog post, I'll share some insights and tips to help you prepare for a meaningful and fulfilling retirement. Reflect on Your Career It's important to take time to reflect on your own life an

Taxes

  Tax Time Well, it's that time of year where we start thinking about, or for some of us, worrying about our taxes. We gather all our receipts, W-2's, and spend maybe hours sorting through stuff, inputting numbers into a spreadsheet or tax filing program.  Or maybe we take a box of paperwork to our CPA and wish them the best. But for most people, the months of December through April are stressful, because financial stressors often come to the forecront.  As a Couples Counselor, I recognize that money matters can have a significant impact on the marriage.  In fact, it is one of the most common things that cause marital arguements.  So, how do you manage the tax season with your spouse? Here are some valuable tips to help you and your spouse manage the stress of tax season and maintain a healthy connection. Open Communication     You know, I feel like I write about communication all the time in these posts, and while I don't want to be redundant, communication is probably the

Money Matters: Debt & Finances in Marriage

  Money Matters:  Debt & Finances in Marriage The topic of finances often weaves its way through the delicate balance of love, commitment, and shared goals.  In working with couples over the years, one of the topics that almost always inevitably comes up is finances.  One person feels the other one is spending too much money.  One person is trying hard to pay down debt.  This topic can have a profound impact on marital harmony. In this blog post, I'll explore the challenges that many couples face and provide some guidance on navigating these difficult discussions. The Importance of Open Communication Open, honest, and transparent communication is the cornerstone of a strong, lasting marriage, especially when it comes to financial matters.  From the very start of their relationship, a couples should begin talking about finances.  This will make it a normal and comfortable topic to begin with, so it isn't as difficult to discuss later.  As a relationship progresses and become