Panic Proof Retirement - December 2025

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The information published in this newsletter is educational in nature and is not intended to be a recommendation to sell or purchase an annuity or any specific insurance or financial product. You are strongly urged to consult with financial planning, tax, and legal advisors to determine if an annuity is suitable in your financial situation. The income doubler is not meant to replace Long Term Care insurance.

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INSIDE

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When Saving for Retirement, the Steady Climb Builds Real Wealth

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Simple Ways to Cut Costs in the Aisles

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Fragrance Layering Made Easy Classic Italian Tiramisu

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The Body’s Natural Reset Button

Inhale the Facts

DEEP BREATHING IS YOUR SCIENTIFIC SHORTCUT TO STRESS RELIEF

When you feel angry or stressed out, a few deep breaths can be more powerful than they seem. A deep inhale is like a reset button for your body, sending signals to your nervous system, slowing your heart rate, and quieting the mental storm. Deep breathing isn’t just hot air; it’s scientifically proven to be one of the simplest hacks for calming the mind and body. Inhale deeply, and let’s explore what happens internally when you breathe back to balance. Most of the time, you don’t think about breathing; your body naturally handles this task as you go about your day. But when you control your breath, you trigger a rest and digest mode that slows your heart rate and sends more blood to your gut to help digestion. The brain manages breathing and heart rate in the same parts of the brain, and they work together. With each breath you take, your lungs expand and the pressure on your heart and blood vessels shifts. This rhythm directly links how you breathe and how calm or alert you feel. The slower and more relaxed your breath is, the less your internal systems are gearing up for a battle.

minor physical pain, such as headaches or an upset stomach. Pain stresses your body out, so easing your aches will help your parasympathetic nervous system take the reins and focus on recovery rather than alertness. To get the full benefits from this mindfulness technique, sit upright and take a slow, deep inhale through your nose. Place one hand on your belly and one on your chest to

feel your rib cage expand and your belly rise as the lungs fill. Keep this up until you feel a wave of calm come over you. So, next time you’re feeling on edge, inhale and see why, sometimes, the simplest science is a breath of fresh air.

Deep breathing reduces stress and triggers your blood pressure and nervous system to relax. It doesn’t just change your mental state; it can also ease

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