Financial Wellness Through Life Changes: How to Adapt and Thrive
Life is full of change. Some changes are joyful — like a new career, a big move, or welcoming a child. Others, like navigating menopause, medical challenges, or divorce, can feel overwhelming.
But no matter what’s happening in your life, there’s one thing you can always control: your financial wellness.
Today, let’s talk about how major life changes impact your financial situation — and the clear, confident steps you can take to adapt your financial plan.
Career shifts, layoffs, or new businesses all impact your cash flow — which means your financial plan needs to adjust too.
How Life Changes Impact Your Finances
1. Hormonal Shifts and Medical Changes
Menopause isn’t just a health milestone — it can affect your financial life too. Rising healthcare costs, changes in insurance needs, and shifts in work productivity can all influence your budget and savings.
Chronic conditions, surgeries, or major medical treatments can also introduce unexpected expenses, from prescriptions to rehab to time away from work.
2. Changes in Income
Career shifts, layoffs, new businesses, or even choosing to scale back hours for health reasons all impact your cash flow — which means your financial plan needs to adjust too.
3. New Priorities
Life changes often reset your priorities. Suddenly, protecting your health, supporting loved ones, or investing in long-term security becomes more important than short-term spending.
Acknowledging these changes is not a sign of weakness. It’s a sign of wisdom.
Steps to Strengthen Your Financial Wellness Through Change
1. Update Your Budget
Life changes = budget changes. Take a fresh look at your income, fixed expenses, and flexible spending. Identify areas where you need to cut back or reallocate funds to new priorities like healthcare or retirement savings.
2. Rebuild (or Boost) Your Emergency Fund
If the past few years have taught us anything, it’s the power of having a financial safety net. Ideally, aim for 3–6 months’ worth of essential expenses in an accessible account. If you’re starting small, that’s okay — consistency is key.
3. Review Insurance Coverage
Major health changes often mean different insurance needs. Review your health, life, and disability insurance policies to make sure you’re fully protected.
4. Adjust Retirement Contributions
If you’ve had a gap in income or higher expenses, it’s natural to ease off retirement savings temporarily. But once things stabilize, prioritize rebuilding your contributions — even small increases add up over time.
5. Build a Team of Experts
You don’t have to navigate these changes alone. Financial advisors, tax professionals, and healthcare advocates can help you create a customized plan that supports your new reality.
6. Focus on Wellness — Not Just Wealth
Financial health and physical health go hand in hand. Managing stress, setting clear goals, and celebrating small wins can help you stay focused and resilient during transitions.
Your Financial Wellness Is Worth Fighting For
Change can be unsettling. But it can also be an opportunity — to reset, to refocus, and to build a future that's even stronger than before.
You deserve a financial plan that evolves with you.
You deserve peace of mind — even during the hardest seasons.
And it starts with a single step: choosing to take control today.
Ready to Take Control of Your Financial Future?
You deserve to feel confident and secure about your financial future. This is why I have created my 8-week financial literacy program, What Wealthy Women Know - so that all women have access to the information necessary to secure their future.
Remember, it’s not about chasing perfection. It’s about making intentional choices that align with your goals.
Whether you lack confidence in making financial decisions or feel overwhelmed by yet another task in your already beyond-full schedule, here’s the truth:
Your future depends on your financial literacy.
So, are you ready to take control and build the wealth and security you deserve?
