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The term financial health is generally used to describe the state of your personal finances, including your debt to income ratio, general savings, retirement savings and how you manage your money day-to-day. Just like physical health, financial health exists on a continuum, with balance changing over time. Most financial planning programs and tools take a linear, no-nonsense approach to money. Money itself is, after all, just a tool to use to indicate earnings, costs, investments and savings. Yet, regardless of the interaction, a real human being is using the tool of money. And, with that comes both mental and emotional stories and triggers about the meaning of money. All of those stories and triggers create stress and stress impacts the