RESOURCES

5-Minute Reads to Elevate Your Health and Wealth

Wealth Dr. Tracy Verrico Wealth Dr. Tracy Verrico

How to Enjoy the Holidays Without the January Money Hangover

Every January, I hear the same story from women: the holidays were lovely, and the credit card statement that followed was not. Somewhere between the gifts, the hosting, the travel, and the last-minute extras, the season cost far more than planned, and the joy faded long before the balance did.

You are not alone. The National Retail Federation forecasts that holiday retail spending in November and December 2026 will grow about 4% and top $1 trillion. Last season, consumers told the NRF they planned to spend about $890 per person on gifts, food, decorations, and other seasonal items. And according to a LendingTree survey, 37% of shoppers took on holiday debt last year, averaging more than $1,200, with most expecting it to take three months or longer to pay off.

This year can be different. Here is how to plan a holiday season you will remember for the right reasons.

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Health Dr. Tracy Verrico Health Dr. Tracy Verrico

The Perimenopause Symptoms Nobody Warned You About

Most women know the headline symptoms of perimenopause: hot flashes, night sweats, and periods that start to come and go on their own schedule. What almost no one is told is that those are only a fraction of the story.

Estrogen receptors are found in nearly every tissue in your body, including your joints, skin, heart, blood vessels, brain, bladder, gums, and eyes. Progesterone and testosterone have wide reach too. When these hormones begin to fluctuate, which can start in your late thirties or forties and last anywhere from four to ten years, symptoms can appear in places that seem to have nothing to do with your reproductive system. That is exactly why so many women end up seeing three different specialists before anyone says the word "perimenopause."

Here are the symptoms I most often see women surprised by, and what to do about them.

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Wealth Dr. Tracy Verrico Wealth Dr. Tracy Verrico

The Invisible Load Has a Price Tag: Why Women Pay More for Doing More

You know the list. It runs in your head all day long. The pediatrician appointment that needs rescheduling. The birthday gift for the party on Saturday. The prescription your mother needs refilled. The permission slip, the dog's vaccines, the gutters, the groceries, the dinner you have not thought about yet. Even when someone else in the house "helps," you are often the one who notices what needs to be done, decides how to do it, and makes sure it actually happens.

Sociologists have a name for this: cognitive labor, the work of anticipating needs, identifying options, making decisions, and monitoring results. Researcher Allison Daminger found that women in couples tend to do far more of it, especially the anticipating and monitoring. It is invisible because it happens in your head. But its effects are not invisible at all. They show up in your health, your career, and, over time, your bank account.

What most women are never told is that the invisible load has a price tag, and women are the ones paying it.

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Health Dr. Tracy Verrico Health Dr. Tracy Verrico

Thinning Hair in Midlife: Test, Don't Guess

When a woman tells me she is losing her hair, I listen carefully, because hair is rarely just about hair. It is one of the most visible places the body signals that something has shifted. Sometimes that shift is hormonal. Often it is hormonal plus something else, such as low iron stores, a sluggish thyroid, too little protein, or months of stress. Many of those contributors can be identified with a simple evaluation, and many are treatable.

If you have been told your thinning is "just aging" and sent home with a bottle of biotin, this article is for you.

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Wealth Dr. Tracy Verrico Wealth Dr. Tracy Verrico

Money Talks to Have Before the Year Ends

The last weeks of the year fill up fast. There are holidays to plan, work deadlines to meet, and family logistics to coordinate. Money conversations rarely make the list. But some of the most valuable financial decisions of the year have hard deadlines on December 31, and others simply go better when you have them on purpose instead of in a moment of stress.

Here are the three money conversations I recommend every woman have before the year ends, plus a checklist you can save and work through at your own pace.

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Health Dr. Tracy Verrico Health Dr. Tracy Verrico

Can't Find Your Estrogen Patch? What to Ask For, and What Never to Change on Your Own

Few things are more frustrating than finally finding a hormone therapy routine that gives you your sleep, your mood, and your energy back, only to be told at the pharmacy that your patch is unavailable. In my practice here in New Jersey, this has become one of the most common calls we get. Women are rationing patches, driving from pharmacy to pharmacy, and sometimes simply going without.

I want to give you a calm, practical plan. Please treat everything below as a guide for conversations with your pharmacist and your clinician, not as instructions to change your treatment yourself. Any change in dose, product, or route requires a new prescription from someone who knows your history.

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Wealth Dr. Tracy Verrico Wealth Dr. Tracy Verrico

The Good Enough Money Plan: Building Wealth Without Burning Out

I built my wealth while practicing medicine full time. I did not do it by tracking every coffee, chasing every hot stock, or picking up a side hustle on top of a career that already asked everything of me. I did it with a handful of unglamorous habits that ran in the background of my life, month after month, year after year.

If you are exhausted by money advice that feels like another job, I want to offer you a different approach. I call it the Good Enough Money Plan. It is not about perfection. It is about doing the few things that matter most, automatically, and giving yourself permission to ignore the rest for now.

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Health Dr. Tracy Verrico Health Dr. Tracy Verrico

Why Your Eyes Change in Perimenopause, and How to Protect Them

A patient sat down in my office recently and, before we even got to her hot flashes, said, "Something is wrong with my eyes." They burned by the end of the workday. Her contact lenses, which she had worn comfortably for twenty years, now felt like they were scratching her. Her vision blurred while she read, then cleared when she blinked. Her eye doctor had told her to use drops. Nobody had mentioned that she was 47 and in the middle of a hormonal transition.

What most women are never told is that your eyes are part of your hormonal story. The changes you notice in your forties and fifties are often connected to what is happening with estrogen, progesterone, and especially androgens. Understanding that connection helps you get the right care from the right people.

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Wealth Dr. Tracy Verrico Wealth Dr. Tracy Verrico

How to Teach Your Kids About Money at Every Age (From Piggy Banks to First Paychecks)

I did not grow up with money conversations at the dinner table. Like many women, I learned most of what I know about investing, debt, and building wealth as an adult, often the hard way. When I eventually built a real estate portfolio, I kept thinking: imagine if I had understood this at fifteen.

That is why I believe one of the most valuable gifts you can give your children is not a trust fund. It is financial confidence. And the research suggests you should start earlier than you might think. A widely cited study from the University of Cambridge, highlighted by the Consumer Financial Protection Bureau, found that many core money habits, such as planning ahead and delaying gratification, begin to form by around age seven.

The good news is that teaching kids about money does not require spreadsheets or lectures. It happens in small, repeated moments: at the grocery store, in the car, around a birthday wish list. Here is how to approach it at every stage.

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Health Dr. Tracy Verrico Health Dr. Tracy Verrico

Supplements and Menopause: What Actually Deserves a Place in Your Routine

Women in midlife are marketed to relentlessly. Every week, a patient brings me a photo of a supplement label she saw online, promising to balance hormones, burn belly fat, or erase hot flashes. Some cost more than a prescription. Many contain proprietary blends with doses too small to matter. Very few are supported by meaningful research.

I understand the appeal. When you feel unlike yourself and your symptoms are being dismissed, a bottle that promises relief feels like taking action. But you deserve better than marketing. You deserve a clear, evidence-informed answer to a simple question: which supplements are actually worth considering in menopause, and why?

Let me start with what supplements cannot do, then walk you through the five I believe earn a place in the conversation.

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Wealth Dr. Tracy Verrico Wealth Dr. Tracy Verrico

How Much Do You Actually Need to Retire? A Realistic Guide for Women

"Am I too late?"

It is one of the most common questions women ask me once they find out I talk about money as much as menopause. Usually it comes with a little embarrassment, as if they have been caught behind on homework. They spent their twenties and thirties paying off loans, raising children, supporting a partner's career, or caring for a parent, and now, somewhere in their forties or fifties, they look at their retirement accounts and feel a knot in their stomach.

Let me say this first: the best time to start was years ago. The second-best time is today. And you likely have more power to change your outcome than you think.

But I also want to be honest with you, because the standard retirement advice was not built for women, and following it blindly can leave you short.

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Health Dr. Tracy Verrico Health Dr. Tracy Verrico

Why One Glass of Wine Hits Differently Now

"I'm not drinking any more than I used to. So why does one glass of wine wreck my night?" I hear some version of this question constantly from women in their forties and fifties. The pattern is remarkably consistent: a drink that used to feel relaxing now brings a flushed face, a pounding heart, a 3 a.m. wake-up, a hot flash, or a wave of next-day anxiety that seems wildly out of proportion to one pour of pinot. Many women also notice that their morning coffee, once harmless, now leaves them jittery or wired late into the night. If this sounds familiar, you are not imagining it, and you are not doing anything wrong. Your body is changing, and the way it processes alcohol and caffeine is changing with it. Let me explain why, and what you can do about it.

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Wealth Dr. Tracy Verrico Wealth Dr. Tracy Verrico

Perimenopause, Burnout, and Your Money

Here is a pattern I see over and over in my practice. A woman in her mid-forties, at the height of her career, starts sleeping badly. She wakes at 3 a.m. drenched in sweat. Her focus slips in meetings. Her patience, once legendary, is gone. She assumes she is burned out, so she pushes harder, or she quietly turns down the promotion, cuts back to part-time, or walks away from a role she spent twenty years building.

Months or years later, someone finally names what was happening: perimenopause. By then, the financial cost has already been paid.

We talk a lot about the physical symptoms of the menopause transition. We almost never talk about what those symptoms do to a woman's earning power, and that silence is expensive. I want to change that, because this transition tends to hit during the exact decade when your income, your savings, and your retirement trajectory matter most.

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Health Dr. Tracy Verrico Health Dr. Tracy Verrico

What Your Fertility History Reveals About Your Perimenopause

Think about how women are taught about their own ovaries. As teenagers, we get a lesson about periods and pregnancy prevention. In our twenties and thirties, if we want children, we may get a crash course in ovulation and fertility. Then the curtain closes, and it does not open again until our forties or fifties, when hot flashes or a skipped period force the topic of menopause onto the stage. I understand why medicine divides things this way. But biologically, it makes very little sense. The same ovaries, the same supply of eggs, and the same conversation between your brain and your ovaries are at work from your first period to your last. Your fertility years and your perimenopause are not two separate stories. They are chapters of the same one. When women understand that, they make better decisions: about when to seek fertility help, about whether a test result should worry them, about contraception in their forties, and about their long-term heart and bone health. So let's walk through what your reproductive history may be telling you.

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Health Dr. Tracy Verrico Health Dr. Tracy Verrico

Breast Cancer and Menopause: What Every Survivor Deserves to Know

Every October, the world turns pink, and the message is clear: get your mammogram, catch it early, fight. All of that matters. But in my office, I meet the women who come after the ribbons, the ones who finished treatment and are now asking a quieter, harder question: what happens to the rest of my life?

For many breast cancer survivors, part of the answer is menopause. Sometimes it arrives abruptly because of chemotherapy or surgery. Sometimes it is triggered or intensified by the medications that protect against recurrence. And sometimes it simply arrives on schedule, because the average woman is diagnosed in her early sixties and many are diagnosed in their forties and fifties, right in the middle of the transition.

This month I had the privilege of sitting down with Dr. Eleonora Teplinsky, head of breast and gynecologic medical oncology at Valley-Mount Sinai Comprehensive Cancer Care and author of the new book Beyond the Pink: Navigating Life, Health, and Breast Cancer. Our conversation, which you can watch in full on my YouTube channel, reinforced something I believe deeply: a history of breast cancer changes your menopause plan. It does not take away your right to have one.

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Wealth Dr. Tracy Verrico Wealth Dr. Tracy Verrico

Struggling With Debt? Here Are the First Steps to Take — in Order

Debt is one of the most common financial experiences in adult life, and one of the most isolating. The shame that surrounds it — the sense that carrying debt is a moral failure rather than a predictable consequence of medical emergencies, job loss, the gap between stagnant wages and rising costs, or simply a period of life that demanded more than savings could cover — keeps women from seeking information, asking for help, and taking the first practical steps that actually work.

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Health Dr. Tracy Verrico Health Dr. Tracy Verrico

What Every Woman Should Know About Testosterone

When women come to me frustrated and exhausted — low energy, reduced libido, a quiet but persistent sense of flatness that sleep and self-care haven't touched — and when their estrogen and progesterone levels have been addressed without fully resolving the picture, the conversation I find myself having, again and again, is about testosterone.

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Wealth Dr. Tracy Verrico Wealth Dr. Tracy Verrico

What Is the Rule of 55 — and Could It Make Early Retirement Possible for You?

Most people know the basic structure of retirement account withdrawal rules: access your money before age 59½ and you'll face a 10 percent IRS early withdrawal penalty on top of ordinary income tax. What fewer people know is that there is a specific exception built into the tax code — called the Rule of 55 — that allows some individuals to access their employer-sponsored retirement funds penalty-free several years ahead of that threshold.

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Health Dr. Tracy Verrico Health Dr. Tracy Verrico

PCOS Is Now PMOS — What the Name Change Means for Your Health in Midlife

On May 12, 2026, a landmark paper published in The Lancet announced that polycystic ovary syndrome — PCOS — will be officially renamed polyendocrine metabolic ovarian syndrome, or PMOS. This was not a cosmetic adjustment. It was the culmination of a 14-year global consensus process involving 56 leading academic, clinical, and patient organizations, and informed by surveys gathering input from more than 14,300 people living with the condition and health professionals from every region of the world.

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