Lyndon Thomas Insurance Agency - May 2025

Lyndon Thomas Insurance

Your Midlife Molecules Are Revolting

TIME TO TAKE CONTROL

No matter what we do, we can’t stop time. We grow a little older as every minute, hour, and day passes. We might not feel older mentally, but our bodies don’t move as well as they used to. It seems like it would happen as a slow, natural progression, but many people report feeling an onset of aging once they cross certain thresholds. A recent study by Stanford University researchers found that our bodies age faster when we enter our mid-40s and early 60s than at any other point in life. The study reviewed data from 108 people who donated blood and other biological samples throughout several years. Through their efforts, researchers found that nearly 81% of the studied molecules demonstrated age-related fluctuations when subjects reached their mid- 40s and early 60s. Both age groups sustained molecule changes related to cardiovascular disease, caffeine metabolism, and skin and

muscle groups. Those in their mid-40s saw changes related to alcohol metabolism, and those in their early 60s had changes in immune regulation and kidney function. The results of the study may make you feel powerless to stop these molecular changes once you reach these specific ages. However, like most health-related scenarios, you can take action to help offset age-related changes. Maintaining a balanced diet is one of the best ways to do this. You can eat more fruits, vegetables, whole grains, and healthy proteins to improve and maintain your heart health. Eggs, chicken breast, and salmon can help strengthen your muscles. Citrus, leafy greens, and ginger are great for immune support. If you’re already committed to a healthy diet and are still worried about these changes, incorporate more exercise into your daily

routine. Also, remember to get quality sleep. A regular and sound sleep schedule benefits our health in more ways than one. Aging doesn’t have to be stressful or scary. Knowing what to expect and countering potential obstacles will help you enjoy a long life full of happy moments!

The Best Budget Apps to Keep Your Finances in Check BUDGET SMARTER, NOT HARDER

PocketGuard: For Overspenders If you tend to overspend, PocketGuard is an excellent solution. The app tracks your bills, savings goals, and spending habits to show how much money you have left for daily expenses. The “In My Pocket” feature helps prevent overspending by giving you a real-time look at available funds. Alerts notify you when you’re approaching or exceeding your limits. Take Control of Your Finances Whether you need a structured system like YNAB or an app to rein in spending like PocketGuard, there’s an option for everyone.

Budgeting isn’t the most exciting thing in the world, but it’s vital if you want to reach your financial goals. Whether trying to break free from the paycheck-to-paycheck cycle, saving for a dream vacation, or keeping yourself from impulse-buying, the right app can make all the difference. Thankfully, budgeting apps have come a long way, and in 2025, these top picks will help you take control of your money. YNAB: For Serious Budgeters YNAB (You Need a Budget) is ideal for those who want complete control over their finances. Using a zero-based budgeting system — income minus spending and savings should equal zero every month — this app ensures every dollar has a purpose before you spend it. Unlike traditional apps that focus on past transactions, YNAB helps users break the paycheck-to-paycheck

cycle by planning ahead. You can sync bank accounts, credit cards, and loans and access the app across multiple devices. Honeydue: For Couples Honeydue is for couples looking to manage their finances together. Partners can link their bank accounts, credit cards, loans, and investments while choosing how much financial information to share. The app

automatically categorizes expenses, sets spending limits, and sends alerts when nearing a budget cap. It even includes a chat feature for discussing transactions. Best of all, it’s completely free.

Choose the app that fits your needs and start making smarter financial decisions today.

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