Renting Your First Apartment? The Rent Isn’t the Biggest Expense

July 15, 2026

Nobody warns you that the most expensive part of renting your first apartment happens before you move in. The monthly rent may fit your budget, but that’s only the beginning. By the time you’ve paid the application fee, security deposit, utility fees, renters insurance, bought a few pieces of furniture, and stocked your kitchen and bathroom, your “affordable” apartment may have already cost several thousand dollars.

It’s no surprise that in many college communities, students now spend more on housing than on tuition. Renting your first apartment is an exciting milestone, but it’s also one of the biggest financial commitments you’ll make during college. With the median asking rent for an apartment in the United States hovering around $1,667 a month, understanding the true cost of renting can help you avoid expensive surprises and find a place that fits both your lifestyle and your budget.

Look Beyond the Monthly Rent
When comparing apartments, don’t stop at the advertised rent. Ask for a complete breakdown of what you’ll pay before move-in and every month afterward. Most first-time renters should budget for:

• Application fee
• Security deposit
• First month’s rent
• Utility or community fees
• Renters insurance
• Parking fees, if applicable
• Furniture and household essentials
• Pet fees and deposits
• Moving expenses

According to a budgeting guide from The Student Sublet, many first-time renters underestimate the cost of everyday items like cookware, shower curtains, cleaning supplies, lamps, trash cans, and basic kitchen utensils. Individually, they don’t seem expensive. Together, they can easily add hundreds—or even thousands—of dollars to your move-in costs. Monthly expenses can also be higher than expected. While many student apartment communities include internet, they often charge utility or community fees that cover other services and common-area maintenance. Before signing a lease, ask exactly what’s included in your rent and what you’ll be expected to pay separately. Some costs to watch out for include:

• Electricity: Budget $30–$80 per month
• Gas and Heating: Budget $20–$60 per month
• Water and Trash: Budget $15–$30 per month
• Parking: Budget $80-$300 per month

Build Your Budget Before You Apartment Shop
It’s easy to fall in love with an apartment that’s just a little nicer than the one you planned to rent. Instead, decide what you can comfortably afford before you begin touring properties. Rent is only one part of your monthly budget. You’ll also need money for groceries, transportation, textbooks, laundry, entertainment, and the occasional unexpected expense. According to Bola Sokunbi, founder and CEO of Clever Girl Finance, budgeting isn’t about limiting yourself—it’s about making intentional decisions. “A budget gives you permission to spend because you’ve already made a plan for your money,” says Sokunbi.

Compare the Total Cost of Living
The apartment with the lowest rent isn’t always the least expensive place to live. For example, an apartment that costs $75 more each month may actually save you money if it includes parking, in-unit laundry, or is close enough to campus that you don’t need to pay for parking permits or as much gas. On the other hand, a cheaper apartment may require a longer commute, separate utility payments, laundry fees, or higher transportation costs that quickly erase the savings. Think about your total monthly cost, not just your monthly rent.

Roommates Can Save More Than Rent
For many students, living with roommates is one of the smartest financial decisions they can make. Lauren Sonnenberg, a writer for Forbes, estimates that students who share an apartment rather than live alone can save more than $15,000 over four years. Those savings come from more than splitting the rent. Roommates often divide utility costs, household supplies, streaming services, and other shared expenses, which can quickly add up.

Sharing an apartment, however, requires more than finding someone to split the bills. Before signing a lease together, talk about expectations.

• How will bills be divided?
• Will groceries be shared?
• Who buys household supplies?
• Are overnight guests okay?
• What are the expectations for cleaning?
• What happens if someone wants to move out before the lease ends

Don’t Pay for Amenities You Won’t Use
Apartment tours are designed to impress prospective renters. Resort-style pools, rooftop lounges, game rooms, golf simulators, coffee bars, and fitness centers all look appealing. But ask yourself one simple question: Will I actually use them? If you’re spending most of your day in class, studying, or working, those amenities may not justify the higher rent. Instead, prioritize the features that will make your daily life easier:

• A safe neighborhood
• Reliable maintenance
• Laundry facilities
• Good lighting and secure entry
• A reasonable commute to campus
• Space to study without distraction

Read the Lease Carefully
Most students spend more time touring an apartment than reading the lease. Before signing, understand when rent is due, how maintenance requests are handled, whether parking is included, who pays for repairs, what happens if you break the lease early, and whether subletting is allowed. If something doesn’t make sense, ask questions before signing. A five-minute conversation today can prevent months of frustration later.

Furnish Slowly
Your first apartment doesn’t need to be fully furnished on move-in day. Start with the essentials: a bed, a desk, basic cookware, towels, cleaning supplies, and a few kitchen items. Shop at thrift stores, estate sales, or on Facebook Marketplace, or ask family members if they have furniture they’re no longer using. You can always add decorative items, additional furniture, and small conveniences over time. Buying everything at once often leads to unnecessary spending—and unnecessary debt.

Protect Yourself from Day One
Before moving in, photograph every room and document any existing damage. Keep copies of your lease, receipts, and maintenance requests. Renters insurance is one of the least expensive ways to protect your belongings if they are damaged or stolen.

Baby Blues or Something More: What to Know About Postpartum Depression

May 15, 2026

Almost every parent experiences intense emotions when their child is born. But when these emotions persist, making it difficult for a woman to function and care for her baby, then it may be postpartum depression or PPD.

According to the Centers for Disease Control and Prevention, around 1 in 8 women develops PPD after giving birth. While the exact cause isn’t known, women experience an influx of hormones, producing nearly 10 to 100 times more estrogen and progesterone during and after pregnancy than they normally would.

May is Maternal Mental Health Awareness Month, and a time to reflect on this important issue. Sometimes when a new mom says she’s fine, that doesn’t mean she is. Many women are navigating exhaustion and overwhelm without any assistance. They feel like they should be able to handle everything, and so they hesitate to ask for help.

If you or someone you love may be experiencing postpartum depression, this is what you need to know.

Baby Blues or PPD?

Feelings of sadness are a normal part of having a child. In fact, up to 4 in 5 women experience the baby blues. Symptoms can include mood swings, bouts of crying, feeling irritated, trouble concentrating, and changes to your appetite and sleep. But if these symptoms persist past two weeks, then it may be postpartum depression.

“With baby blues, you’ll have more emotional ups and downs,” says Natalie Feldman, a psychiatrist at Mass General Brigham. “PPD involves really persistent low mood and makes daily tasks difficult.”

The early signs of postpartum depression can be feeling sad, hopeless, or overwhelmed – all of the time. A close partner or friend may notice that you’re having difficulty taking care of yourself or the baby. Other signs include fatigue, trouble eating or sleeping, withdrawing from family and friends, and having little to no interest in the baby.

If you’re experiencing these symptoms, talk to your healthcare provider as soon as possible. Postpartum depression is common, and there are successful treatment options.

If you’re not sure where to start, you can search for a provider through Postpartum Support International.

Treatment for PPD

Postpartum depression treatment may include medications, such as antidepressants, and individual or group counseling. “Experiencing emotional complications after having a baby doesn’t mean you’re a bad parent,” says Feldman. “And seeking help when you need it is the best way to care for your baby and your family.” The right treatment plan can help you feel like yourself again, so that you can show up for both yourself and your growing family.

Psychosocial support, meaning help from family and friends, is another equally important part of treatment. The lack of support systems in place for new parents can act as a contributor to postpartum depression. Factors such as inadequate parental leave and a lack of accessible mental healthcare give the message to new moms that their mental health is an afterthought.

“We see in movies that we’re supposed to be joyful and natural, and it’s supposed to just come so easily,” says Marianna Strongin, a clinical psychologist at Strong In Therapy. “But when the reality doesn’t match that narrative, it makes you feel more like a failure.” That can make it even harder for women to speak up.

How to Offer Real Support

Family members and loved ones can help new moms by offering to do household chores or helping with the baby, giving moms a chance to get some much-needed rest and time for self-care.

Support is often most effective when it’s easy to accept. That means instead of making open-ended statements, such as “Let me know if you need anything,” offer direct solutions. This could sound like, “Could I watch the baby for a bit, to give you some time for whatever you need right now?” Dropping off meals and picking up around the house are other great ways to offer direct help.

Practical support might also involve sharing with your partner what you need the most help with each day, such as making time for a shower. It doesn’t need to be complicated. Feeling supported often means knowing there are people in your corner, ready to help you if you need them.

Resources in a Crisis

• If you or someone you know is in crisis, call 911, or call or text 988. You may also go to 988lifeline.org to reach the Suicide and Crisis Hotline.

• For postpartum support, you can also reach the National Maternal Mental Health Hotline and call or text 1-833-9-HELP4MOMS or 1-833-TLC-MAMA.

• Postpartum Support International is another dedicated helpline, with resources and local support groups.

Insureyouknow.org

With Insureyouknow.org, expectant and new parents can keep all of their medical records – and the new baby’s records – in an organized place, making it an invaluable resource for growing families.

Swedish Death Cleaning for Your Digital Life: A Simple Guide

January 15, 2026

The mess you can’t see

There is a Swedish concept that has been making the rounds lately called döstädning. In English, it translates to “Swedish Death Cleaning.” It sounds a bit dark on the surface. Maybe even depressing. But the idea is actually pretty practical: you clear out your physical belongings, the dusty boxes, the clothes that don’t fit, the broken furniture, so your family isn’t stuck dealing with a mountain of junk when you are gone.

But here is the thing about modern life in 2026: the biggest mess isn’t in the garage. It’s floating in the cloud.

People are walking around right now with thousands of blurry photos, email accounts from ten years ago, and passwords that exist only in their heads. It is a silent chaotic mess. And if something happens, that digital chaos becomes a massive headache for the people left behind. Applying a little döstädning to the online world isn’t just about being tidy. It is about saving loved ones from a nightmare.

First, stop the bleeding

Before trying to organize the important stuff, the useless noise has to go.

Think about the average inbox. It is usually stuffed with newsletters that haven’t been opened since 2019 and receipts for things long thrown away. The first step of the clean-up is arguably the best part: hitting unsubscribe. If a subscription hasn’t provided value in the last six months, cut it loose.

Then look at the bank statement. How many streaming services or random apps are charging five dollars a month for nothing? Canceling those doesn’t just save cash today; it stops a confusing financial web from forming later. It is less for the family to untangle.

And then, the photos. Digital hoarding feels safe because it doesn’t take up room in the house. But leaving someone 50,000 screenshots to sort through is rough. Deleting the junk helps the real memories stand out.

The problem with passwords

Imagine cleaning up a whole house, locking the front door, and then throwing the key into a river. That is basically what happens when a digital life is organized but locked down.

In the past, important documents lived in a filing cabinet. A physical key could be found. Today? The “key” is a complex password or a face scan. If nobody else has those credentials, the assets inside, bank accounts, sentimental emails, crypto wallets, might as well not exist. They are locked in a digital vault with no door.

Scribbling passwords on a sticky note is risky. But keeping them entirely memorized is worse.

A smarter way to store it

Once the trash is deleted, what is left? The vital stuff. The deeds, the insurance policies, the wills, the vet records for the dog. These are the papers families panic over during an emergency.

Leaving these files scattered across three different cloud drives and a laptop desktop is a recipe for disaster. The strategy has to shift from “saving” to “managing.”

This is why platforms like InsureYouKnow.org are picking up steam. They aren’t just storage drives. They are digital safety deposit boxes. It gives people a single, encrypted place to put the things that actually matter. And unlike a regular hard drive, it bridges the gap. It keeps the data safe from hackers but ensures a trusted person can actually get to it when they need to.

It answers the question “Where is the policy?” before anyone even has to ask.

A lighter load

Calling it “Death Cleaning” makes it sound heavy. But honestly? It feels more like life cleaning.

There is a real sense of relief that comes from knowing the digital house is in order. No more background stress about lost files or forgotten logins. Just the calm knowledge that if life throws a curveball, the family won’t be stuck fighting with customer support to get into an account. They will have everything they need, right there, ready to go.

Coping After a Cancer Diagnosis: Finding Strength, Clarity, and Support

November 15, 2025

According to CDC data, nearly 39% of men and women will be diagnosed with cancer at some point during their lifetime. Finding out that you or a loved one has cancer can come as a shock and bring with it feelings of fear and anger. One challenge to treatment is that these emotions can make it difficult to process all of the information the doctor is presenting. Research shows that when emotions are high, a person’s decision-making ability is hindered, making it hard to choose a treatment plan.

Here are ways to help you cope after a cancer diagnosis, so that you can make the best decisions about your care.

Get the Facts

Gather as much information on your condition as you can. Not only will this help you make treatment decisions, but it can also feel empowering to become informed. Write down questions for your healthcare team as you think of them.

Questions to ask include:

• What kind of cancer do I have?
• Where is the cancer located?
• Has the cancer spread?
• Is this a curable form of cancer?
• What are my treatment options?

Bring a close family member or friend to your appointments for support and a second set of ears to help you remember what the doctors say.

Some people want all the facts while others want to let their healthcare providers make treatment decisions. Think about what works best for you before your appointments.

Be Honest About Your Well-Being

Now is the time to keep the lines of communication open between your doctors and loved ones. You may end up feeling alone if you sense that people are trying to protect you from your diagnosis, or if you try to be strong and hold in your feelings. Instead, be open and honest with everyone about your condition and what you’re feeling.

One in four individuals experiences depression and anxiety after a cancer diagnosis, so speaking up and seeking support early can make a meaningful difference.

“Education can be a powerful resource,” says Cynthia Brown, a breast cancer oncology nurse at Chester County Hospital in Pennsylvania. “Knowledge is power, and when you are more aware of the physical and mental symptoms you can experience throughout your cancer treatment, you can feel more confident in your ability to manage them, and be less afraid of the unknown.”

Accept Help When Offered

Let your loved ones help with errands, household tasks, meals, and taking you to appointments. It helps those you love to care for you and can be a way for them to cope during this difficult time.

To prevent those closest to you from burning out, accept help from anyone who asks if there’s anything they can do. Your loved ones will appreciate the extra help.

Focus on What You Can Control

Some say that putting their lives in order helps them feel more in control of their well-being. Being involved in your treatment plan, keeping track of appointments, and making lifestyle changes are all things you can control.

While you can’t control every thought, you can choose which ones not to dwell on. Instead of worrying, for example, pay attention to the parts of life that bring you joy.

“As much as I’m in my own head thinking, ‘Cancer, cancer, cancer,’ and spiraling, my kids still have school pickup and drop-off, and they still want cuddle time,” says Stephanie Wysaski, a 35-year-old mother diagnosed with breast cancer. “I just didn’t have time to worry. Life doesn’t stop.”

Reevaluate Your Priorities

Receiving a cancer diagnosis can be a turning point in an individual’s life. Many people experience a new perspective and examine what they’ve been putting value on. Find more time for what matters most to you, and cancel everything that doesn’t align with your goals. Be open and honest with your loved ones about any changes you may be making and explain why.

Maintain a Healthy Lifestyle

Even when you don’t feel well, healthy lifestyle choices will constantly improve your energy level. Eating a nutritious diet, getting enough rest, and continuing to exercise as much as you can will help with the stress and fatigue that come with cancer and treatment. Setting a schedule and sticking to a routine helps manage daily exercise, getting enough sleep, and preparing healthy meals.

Expand Your Circle

It can be hard for people who don’t have cancer to understand precisely what you’re going through. That’s why talking to others in a similar situation can be so helpful. Cancer survivors can share their experiences and tell you what to expect during treatment.

You can try talking to someone you already know, like a friend or family member who has had cancer, or join a support group. To find a group, ask your healthcare provider or contact your local chapter of the American Cancer Society.

Care For Caregivers

The effect of a diagnosis can affect everyone in that person’s life, creating a ripple effect through families and communities. Seeking support through counseling or a caregiver support meeting can provide relief and guidance during a difficult time. Caregivers must take time for their own well-being and remember that it’s essential in caring for their loved one too.

“If someone in your life has been diagnosed with cancer, it’s okay to take time to process your feelings as well,” says Brown. “Those emotions are still important—even if the diagnosis isn’t yours. You may be worried for your loved one or angry about the disease. And if you are providing care for this person, you may experience feelings of stress or burnout.”

Insureyouknow.org

You may utilize Insureyouknow.org to organize your affairs, including finances, medical records, treatment, plans, and new schedules. Taking care of what you can control will eliminate unnecessary stress during treatment and recovery.

ACA Marketplace: Understanding the Upcoming Insurance Hikes

October 28, 2025

Imagine logging in to renew your health-insurance plan this November and discovering your monthly premium has nearly doubled — all because Congress couldn’t agree to fund the tax credits that have quietly kept your coverage affordable. That’s the stark reality for millions of Americans enrolled in the health insurance marketplaces under the Affordable Care Act (ACA).

Under the ACA, individuals and families who do not get health insurance from an employer or through a public program can shop at a federal or state-based “Marketplace.” Insurers offer plans in metal tiers (Bronze, Silver, Gold)—with varying premiums, deductibles, and out-of-pocket costs. What keeps many of these plans affordable is the federal premium tax credit. If you qualify (mainly based on income as a share of the federal poverty level), you receive a subsidy that reduces the monthly premium you pay.

Because of this subsidy, many enrollees pay only a modest portion of what might otherwise cost thousands of dollars. The Kaiser Family Foundation (KFF) found that thanks to the enhanced tax credits, an individual making $28,000 “will pay no more than around 1 % ($325) of their annual income towards a benchmark plan.” The system ties a person’s share of premium costs to their income, and the subsidy covers the rest. This critical safeguard has kept coverage within reach for millions of lower-income Americans.

Why Subsidies Are in Danger of Expiring

The wrinkle: the enhanced subsidies many people now rely on are temporary unless Congress renews them. These enhancements were introduced by the American Rescue Plan Act in 2021 and extended under the Inflation Reduction Act of 2022. They expanded eligibility (including households earning more than 400% of the poverty level) and reduced out-of-pocket costs for individuals. But unless renewed by year’s end, they sunset at the end of 2025.

Even more urgent: insurers are already filing their proposed 2026 premiums, assuming no renewal of the enhanced tax credits. KFF reported that enrollee net premium payments could increase by 114 % on average—from about $888 in 2025 to about $1,904 in 2026—if the enhanced credits expire.

What People with Low Income Will Face

For low- and moderate-income Americans who depend on the marketplaces, the expiration of enhanced subsidies is more than theoretical—it’s a budget-breaker.

If subsidies are eliminated, many enrollees will see their monthly premium contributions skyrocket. KFF’s analysis shows that without the enhanced tax credits, average annual premium payments for subsidized enrollees would more than double. Some households will lose eligibility altogether. For people earning above 400 % of the poverty level, that subsidy cliff means they go from some assistance to none. KFF explains that “people with incomes over four times the poverty level will no longer be eligible for any financial assistance” if the enhanced credits expire.

The rate increases compound the effect: insurers are proposing median premium hikes of around 18 % for 2026. Those who are already barely making ends meet may find the new premiums impossible. One enrollee in Florida told Health News Florida that she’s already struggling to cover other rising costs. “The rent is going up. The water bill is going up,” said the Florida resident. “I cannot afford a premium hike.”

A missing subsidy cushion means not just higher premiums but a greater risk of losing coverage altogether. As Jason Levitis, Senior Fellow at the Urban Institute, explained, “If you have fewer subsidies, you’re going to have less health coverage and less health care.”

Why Enrollment Has Grown Recently

Enrollment in the marketplaces has surged in recent years, and the subsidy enhancements are a significant reason. Before the enhancement period, around 11 million people used the marketplace; now more than 24 million are enrolled.

Several factors have driven the growth. The enhanced tax credits increased eligibility and lowered what many paid, making coverage far more accessible. Improved outreach and usability—especially as state-based marketplaces matured—helped consumers find and keep plans more easily. At the same time, rising costs in employer-based coverage pushed more people to shop for plans individually. According to KFF, the enhancements cut annual premium payments by an estimated 44 % (about $705) for many subsidized enrollees. “The enhancements made it easier for millions of people to afford health coverage,” said Larry Levitt, Executive Vice President for Health Policy at KFF. “If they expire, we could see those gains wiped out almost overnight.”

In short, more help meant more people using the marketplace. The flip side is that less help could mean fewer people—and higher premiums for those who stay.

What’s at Stake

At the core of the current federal budget impasse (which led to the shutdown beginning October 1, 2025) is a fight over whether to extend the enhanced subsidies. Democrats insist that any funding deal must include the subsidy extension, arguing that letting them expire would cause a major affordability crisis. Republicans are pushing for reopening the government without tying the subsidy question directly to the budget deal, saying the issue should be negotiated separately.

From a consumer standpoint, the stakes are enormous. Without subsidy extensions, millions may lose assistance, face steep premium increases, or drop coverage altogether. KFF’s district-level data show that premiums would at least double in many parts of the country if the enhancements are not renewed. Rising premiums could also cause healthier enrollees to opt out, worsening the insurance risk pool and pushing rates even higher in subsequent years.

For families already squeezed by inflation and rising living costs, this would trigger an affordability crisis. “The cost of health insurance is never going to be low enough for a person who makes just above poverty to be able to afford it,” said Cynthia Cox, Director of KFF’s Program on the Affordable Care Act. “If you want that person to have health insurance, then there needs to be financial assistance.”

If Congress doesn’t act, many Americans will pay far more—or lose coverage altogether. As open enrollment begins, millions will face difficult choices about whether they can keep the coverage that has protected them for years, and whether Washington will act before the bills come due.

Insure You Know

Before you finalize your renewal or new plan selection, it may help to check out Insure You Know — a secure, central place where you can store and manage the critical information your family will need (insurance details, plan documents, contact numbers, and more). Taking a few minutes now to upload your coverage information ensures you’re ready for whatever changes lie ahead, and helps keep everything organized so you’re not scrambling when the numbers on your bill jump or the policy rules shift.

The Mental Health Gap: What Parents Miss and Teens Need

September 1, 2025

Your teen says they’re fine. But they’ve stopped texting friends, spend more time in their room, and their grades are slipping. Could you spot the signs if they were struggling? Only 58% of U.S. teenagers feel they get the emotional support they need—yet 93% of parents believe they’re providing enough.

Findings like these show that parents may not always realize when their child is struggling. Young people today face different challenges than their parents and previous generations did. More than ever, parents must understand the unique pressures young people are struggling with today.

Challenges Faced by Teens

Nearly 10% of all U.S. kids aged 3 to 17 experience anxiety, while 5% live with depression. A few causes are listed below:

• Many young people are dealing with packed schedules, the pressure to succeed in academics, sports, and extracurriculars, and the uncertainty of what comes after graduation. The pressure to excel can lead to burnout.
• With in-person learning, the fear of school shootings can create a general sense of day-to-day unease.
• Students who remember the pandemic lockdown may have posttraumatic stress from virtual learning and social isolation.
• Social media has introduced young people to near-constant comparison, leading to low self-esteem. Body dissatisfaction is leading to a rise in eating disorders.
• Concerns over climate change can also lead to feelings of hopelessness.

Warning Signs

As a parent, you have a good sense of what your child’s “normal” looks like. In addition to the more striking symptoms, such as mood swings, angry outbursts, or being more tearful than usual, you may notice:

• Changes in eating habits, weight, sleep, or other routines
• Loss of interest in the things they once enjoyed or quitting activities
• Withdrawing from close friends or family
• Academic struggles that seem different or more intense, such as a refusal to complete assignments
• Becoming more visibly worried or expressing constant worry
• Any signs of substance abuse or evidence of self-harm, such as cuts, burns, or bruises

Just because your child exhibits any of these symptoms does not mean they are experiencing a mental health crisis. Biological changes, including hormonal shifts that all teenagers must go through, can affect their mood and school performance.

“It’s kind of hard because these things correlate with puberty,” says Theresa Nguyen, vice president of policy and programs at Mental Health America. “It gets hard for parents because this period of time is so muddy.”

Converse Differently

Checking in with your child is an ongoing process, not a one-time occurrence. Normalizing regular conversations with your child supports their mental health and also gives them the foundation to come to you when they need help.

Kids avoid touchy subjects, especially if they fear being lectured or punished. Make sure your children know they can come to you with anything. Create a safe space for them by remaining approachable and nonreactive. Routine moments, such as car rides or dinner times, can be opportunities for discussion.

Avoid forcing conversations or asking direct questions like, “What’s wrong?” Instead, ask about specific things at school or what they might be looking forward to. They will be more willing to open up if they do not feel interrogated. Try listening more than you speak and resist the urge to give advice immediately.

The goal is not to fix everything for them, but to make sure they know they are supported. “As parents, our instinct is often to jump in with advice, but it’s very rare that that’s what teens are looking for,” says Lisa Damour, a clinical psychologist. “Teenagers often feel supported not through a conversation but through our steady presence. It’s about being around and available.”

Model Mental Wellness

Parents can show their teen how to care for their mental health by modeling those healthy behaviors themselves.

• Encourage good physical habits. Eat well and encourage exercise, both of which can be activities you do together. Every family member should have a bedtime and sleep routine.
• Limit screen time and social media. If your teen is resistant, approach it together as an experiment to see if it’s beneficial to take a break.
• Find activities that you enjoy and help them do the same. Ideally, you can find a few things to enjoy together, such as going for walks or watching movies.

“Lead by example,” advises Nguyen.

Get Help When All Else Fails

Your child’s pediatrician can help with any mental health concerns. They can explain treatment options, including medication, and refer you to a specialist for evaluation. Talking with a licensed mental health professional, for instance, can provide teens with a safe and judgment-free zone to process emotions and develop coping skills.

Your child’s care team can develop a crisis plan involving the steps to take if symptoms worsen. There are also courses for parents who want to learn more about mental health first aid. Teens who need to speak with someone immediately may always call The 988 Suicide & Crisis Lifeline or text “TALK” to 741741.

By staying organized, parents can create more time for family. “The single most powerful force for adolescent mental health is strong relationships with caring adults,” says Damour.

Your teen doesn’t need you to have all the answers. They just need to know you’re there every day, without conditions.

Insureyouknow.org

At Insureyouknow.org, parents may keep track of their child’s schedule, medical records, and other essential documents.

Having Surgery—Is Your Home Ready?

August 1, 2025

According to the National Library of Medicine, one in nine Americans has at least one surgery each year. The hospital discharge is just the beginning. Imagine returning home from surgery, groggy and sore, only to discover you can’t climb the stairs, reach the pain meds, or safely take a shower. That’s why preparing your home before the surgery is just as important as the procedure itself. Known as prehabilitation, this proactive approach helps reduce stress, lowers the risk of complications, and prepares you for a safer and smoother recovery.

Here’s everything you need to think about preparing before surgery.

Stay on Top of Recovery

Your doctor is the best resource for preparing for surgery. Ask them what to expect after surgery so that you know how to prepare best. Even when patients are discharged on the day of their surgery, it can take several months to return to normal activities. Following your surgeon’s care instructions can ensure a smooth recovery.

For older patients undergoing joint replacement procedures, physical therapy after surgery is crucial in regaining strength and mobility. “A knee or hip replacement is fundamentally a major surgery,” says Matthew Abdel, an orthopedic surgeon at the Mayo Clinic. “Everything related to that remains essential– preparing the patient, educating the patient, managing expectations, and having a multidisciplinary team in place – all must work together to allow that patient to go home that day safely.”

Things to consider:

• Learn the best way to contact your doctor if you need assistance after the surgery. If your doctor uses a patient portal to communicate with patients, make sure that you are registered and have access before your procedure.
• Know what your pain management plan will be. “Pain after surgery is something that a lot of patients fear,” says Sterling Elliott, a clinical pharmacist and a professor at Northwestern University. “Knowing how to make good decisions about your options, especially nonopioid ones, will help you feel better and make the best progress.”
• Research outpatient rehabilitation facilities that accept your insurance and would be willing to work seamlessly with your doctor.
• Stay on top of your follow-up appointments to ensure timely and effective communication.

Arranging for Help

You’ll likely need support with a variety of tasks after surgery, from getting a ride home from the hospital to potentially requiring round-the-clock care for several weeks. To ensure your safety, most surgeons recommend having someone stay with you the first night after surgery and arranging for a caregiver to be nearby or living with you for the first three to five days of recovery.

Think about the tasks around the home that you’ll be unable to do on your own. Determine who will be helping you after the surgery and make those arrangements in advance.

Things to consider:

• Arrange for someone to collect the mail, tend to the lawn, or dispose of the trash.
• Don’t forget to check the calendar. Reschedule any other appointments as needed and pay all your upcoming bills in advance. 
• If you have pets, consider asking a friend or family member to care for them or board them before the procedure. This will allow you to focus on your recovery and avoid an accident with an active pet.

Preparing the Home

Take time to thoroughly clean and organize your home before surgery. Simple touches—like freshly washed sheets on the bed—can provide comfort and make your recovery more restful. Think about the parts of the home that you’ll need access to the most after surgery.

Things to consider:

• Set up your bed on the first floor if possible.
• Ensure you have convenient access to a safe and easy-to-use bathroom during your recovery.
• Fill the closet with clothes that are easy to put on and take off. 
• Move everything you’ll need to where you can reach without having to bend down or stretch.
• Shortly before the surgery, buy the groceries you’ll need while recovering at home.
• Meal prep in advance or make full meals to keep you fed for a week or more.
• Place food in a cabinet between your waist and shoulder height and put the dishes you’ll use most on the kitchen counter.
• Use paper products if doing dishes would not be ideal while recovering.
• Keep your phone and charger handy.

To prevent falls, inspect every room for tripping hazards. This includes tucking away electrical cords, installing nightlights, getting clutter off the floor, and securing rugs. Rearrange furniture to create clear pathways for walking, especially if you’ll be using assistive equipment such as crutches or a wheelchair. For more extensive recovery periods, a home healthcare professional can visit your home to provide installation recommendations, such as grab bars in the bathroom or a stairlift in two-story homes.

While preparing the home for an upcoming surgery can be a lot of work upfront, the opportunity to recover in one’s home environment is beneficial. “It satisfies patients,” says Abdel. “You recuperate with your family. You recuperate in your home environment. You don’t feel like you’re institutionalized.”

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Many people feel apprehensive before surgery, but poor mental health can negatively affect recovery. Anxiety and depression are shown to increase pain and stress, as well as slow wound healing^​. Getting outside, making time for enjoyable activities, and eating a healthy diet are all ways people can care for their mental health before undergoing surgery. With Insureyouknow.org, you may store all of your medical and financial records in one accessible place, giving you one less thing to worry about while you recover.

Everything You Need to Know About Endometriosis

July 1, 2025

According to the World Health Organization, 10% of women worldwide, or 190 million women, are diagnosed with endometriosis. But the actual number of women who have endometriosis is likely much higher as so many cases go undiagnosed.

Endometriosis is a disease in which the tissue similar to that which lines the uterus begins to grow outside of the uterus, potentially causing pain and other complications. The main symptom of endometriosis is a painful menstrual cycle, but the pelvic and abdominal pain associated with endometriosis may eventually become chronic. 

Endometriosis can begin with the first menstrual cycle and last through menopause. Because so many women are dismissed as simply having painful cycles, it’s essential to raise awareness about this condition.

If you think you or someone you know may be suffering through symptoms without a diagnosis, here’s everything you need to know about endometriosis. 

What Makes Diagnosis Difficult 

Women see seven physicians on average before getting diagnosed, and the average delay for diagnosis is 8.5 years. Because the symptoms of endometriosis can mimic other conditions, such as irritable bowel syndrome, diagnosis is often prolonged, if even diagnosed at all. “Endometriosis is a fascinating, but troubling disease,” says Dr. Hugh Taylor, chief of obstetrics and gynecology at Yale New Haven Hospital. “It’s something that is often missed,” he says.

Another factor that makes diagnosis difficult is that the only way to diagnose someone with endometriosis definitively is through a laparoscopic procedure. Once endometrial lesions are deep enough, some may appear on an ultrasound, CT, or MRI scan. But by then, the stage of endometriosis may be somewhat advanced.  Doctors may suspect the disease and clinically diagnose and treat patients for the time being. If endometriosis is suspected, the only way to a definitive diagnosis is through a laparoscopy.

What to Know About Symptoms

Besides having difficult periods each month, other symptoms include pain that becomes chronic throughout the body, digestive irregularities, bladder issues, fatigue, infertility, and mental health struggles. “We’re not talking a little bit of pain here,” says Philippa Saunders, a reproductive biologist at the University of Edinburgh. “People can’t function.” 

When it comes to endometriosis, it’s important to understand that the disease is a whole-body issue. “In the past three to five years, there’s been a complete reframing of this disorder as a neuroinflammatory whole-body condition,” says Saunders. “It isn’t just about a little bit of tissue stuck in the wrong place. Your whole body has reacted.”

Because the tissue can grow anywhere outside of the uterus, endometriosis has the potential to spread throughout the body, affecting every major organ system. Many symptoms are caused by the inflammation that occurs because of the disease. This is why a patient may experience bowel issues, even when lesions are absent in the bowels. 

Why You Need a Specialist 

Even though endometriosis is a gynecological condition, not every gynecologist is extensively trained in diagnosing and treating endometriosis. Because the condition is so complex and largely misunderstood, even the best doctors are not equipped to treat the disorder if they don’t specialize in it. 

The Endometriosis Foundation of America recommends finding a specialist that has exceptional surgical skills, access to modern techniques and equipment, a current understanding of various treatments, and an openness to complementary approaches. Since there is no known cause or cure for endometriosis yet, the best way to manage the condition is through ongoing treatment with a trusted doctor. 

“For women, it can be validating to learn that all of their symptoms have an explanation and that we have effective treatments,” says Taylor. If you suspect endometriosis, you should ask your healthcare team, including your general doctor, OB-GYN, and pelvic floor therapist, if they have any recommendations for specialists in your area. 

Listen to your body and remain committed to finding a doctor who will listen to you, too. Trust your intuition and ask yourself if a doctor is listening to you, acknowledging your symptoms, and addressing your concerns. 

Treatment Options

If endometriosis has been confirmed through another laparoscopic procedure or it is suspected, an excision surgery becomes an option in reducing pain and preventing further complications. Excision surgery at the root of a lesion, rather than ablation, is the best way to prevent the lesions from returning. 

However, the removal of lesions is not a cure. A study in the International Journal of Obstetrics and Gynaecology found that 62% of women with endometriosis had a second surgery within two years, while half had a repeat surgery within 5.5 years. 

The recurrence rate is why maintaining the condition is the main component of ongoing treatment. Make sure you have a doctor who is knowledgeable in hormone therapy, is monitoring your symptoms closely, and making lifestyle recommendations. For instance, plenty of movement and exercise, particularly pelvic floor therapy and Pilates, reduce recurrence and symptoms, while a plant-based anti-inflammatory diet does the same. 

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If you are diagnosed with endometriosis, then prioritizing your overall health will be the best thing you can do to manage the condition. Do everything possible to reduce your symptoms, including working with your doctors. With Insureyouknow.org, you may keep all of your research, medical records, and financial documents in one place, making the management of your endometriosis less overwhelming.

What to Do After a Loved One Dies

June 15, 2025

The loss of a loved one is one of life’s most stressful events. Almost ninety percent of people over the age of 16 have experienced grief, but 57% of Americans have experienced a significant loss within the last three years. 

Mourning is the natural process someone will go through when a loved one passes away. Though many initially gather with friends and family to share the loss, the mourning process is personal and may last months or years.

Here are some gentle steps to take when processing the loss of a loved one. 

Know the Symptoms of Grief

Dealing with death is something most people would rather avoid altogether, but grieving isn’t something to put off. Your grief is likely to be felt physically, emotionally, and psychologically. Allowing yourself to move through your feelings is integral to the process.

Give Yourself Time

Now is the time to take care of yourself. You don’t need to put an expiration date on your grieving. “Some people grieve for years, and while they become more functional as time goes on, they may still get hit out of nowhere with grief-related feelings,” says Dr. Judy Ho, host of the podcast Supercharged Life.

“Grief isn’t linear; it’s more circular. You may feel like you’ve accepted the loss, then something happens months later, and you circle back to denial,” says Ho. However long it takes you to begin feeling better is unique to your situation. So be gentle with yourself as you experience waves of mourning. 

Routine is Everything 

It is essential to develop and stick to a new routine. Many activities will feel different, and it’s okay to make changes accordingly and try new things. However, sticking to some of what’s normal for you can also be a great comfort. “Grief has a way of rocking our sense of safety, but routine creates stability, which often codes as safety,” says Dr. Anita Robinson, author of The Gift of Grief.

Lean on Your Support System

When a loved one dies, it affects everyone in their circle. “Don’t manage grief alone,” says Melissa Robinson-Brown, a clinical psychologist in New York. “If there were ever a time to lean on family and friends, this would be it.” Talk to those you feel most comfortable with and let them know what you’re experiencing. 

While everyone finds their way to cope, it can be valuable to share the loss of someone and grieve together. People should be open and honest with one another and not try to hide their feelings. Because the roles of family members may change, it’s best to communicate with one another moving forward.

Bereavement Groups and Counseling 

It may be helpful to join a bereavement support group. Bereavement means the state of having been deprived of something or someone valued, primarily through death. Being around others experiencing the same loss level helps many feel less alone. Hospices, hospitals, and community organizations will all have more information on support groups in your area.

One-on-one counseling can be an essential part of losing a loved one and processing that loss in a healthy way. Death can come as a great shock, and mental health counselors can offer a safe place for you to resolve those emotions. Through hospice, bereavement care is even provided for up to 13 months.

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Experiencing the loss of a loved one can be a painful process. Focusing on the joy the relationship brought to your life is a great source of solace during the most emotional moments. With Insureyouknow.org, you may store your loved one’s records for safekeeping so that when it’s time to handle the logistics of someone passing, you’ll be up for the task.

Everything to Know if You Want to Live and Age in Place

June 1, 2025

Most people would prefer the comfort of having their own space as they age. Studies show that as many as 90 percent of adults wish to remain home. Living in place, sometimes known as aging in place, also equates to maintaining independence for as long as possible.

“For many of us, home is comfort. There’s a history we are familiar with: It’s family, friends and neighbors. It reflects our culture and our community,” says Emily Johnson, a licensed clinical social worker. “As we begin to lose control of other aspects of our life, staying in our home says, ‘I can accept help, but I am still running the show.”’

Remaining home as you grow older requires careful consideration and thoughtful planning. Here’s everything you need to know about living and aging in place.

Make Your Plans Now

The best thing to do if you want to age in place is to plan for it now while you are still able to. Consider what kind of help you may need now or want in the future. Planning ahead gives you time to set up your home and budget for the required changes and services.

Be sure to factor in any health conditions you or your spouse may already have. Think about how that condition may make it difficult to care for yourself independently. Then, talk to family and friends about what level of support they can offer. Ensure everyone’s realistic and plan to revisit the issue periodically over time.

On average, an adult over the age of 65 falls every second in the U.S. You can prevent accidents at home with these simple safety measures:

• Apply contrasting colored electrical tape on stair landings.
• Remove throw rugs without grip from the home.
• Clear away clutter, including loose cords.
• This includes the outdoors; porches and walkways should be swept and shoveled.
• Ensure the home is well-lit and place night lights in halls and bathrooms.
• Always use handrails and install grab bars in showers and tubs and next to the toilet.
• Always wear proper-fitting supportive shoes in the house and outdoors.

As conditions change, you may need to reassess your home regularly for potential hazards. To troubleshoot, ask a family member or friend to complete a walkthrough with you for a second set of eyes.

Budget For Services

Home-based care services can be used in short-term situations, such as during recovery from surgery, or in the long term for those who need ongoing help. In addition to healthcare services, people may need help with chores, meal delivery, or transportation for doctor’s visits.

While home-based services can be expensive, they may cost far less than moving into an assisted living facility. The Eldercare Locator is a resource that connects people to caregivers through local support services.

People often rely on various payment sources, including personal funds, long-term care insurance, and government programs. For more information on government-based healthcare and financial assistance, visit USA.gov. 

Prioritize Your Long-Term Health

If your goal is to stay home, then make your overall health maintenance a top priority. Stay current with your doctor’s visits and set alarm reminders for medications.

Make a plan to maintain body strength as you age, powerful legs to support balance and assist you in getting up safely from a seated position. “Strength, balance, and flexibility exercises are key to preventing falls, which are among the greatest threats to our healthy longevity,” says Scott Kaiser, a family physician and geriatrician.

In addition to scheduling regular exercise into your routine, don’t forget about your mental well-being. “Investing in meaningful relationships is one of the most important things we can do to increase our health, quality of life, and wellbeing,” says Kaiser. Remain engaged in social activities and plan visits with loved ones, including video calls with those who live farther away.

Prepare for the Unexpected

Always be prepared for unexpected events and medical emergencies. “Be proactive,” says Johnson. “Where are there gaps now or barriers to living independently in the future?” For instance, if you have a preexisting allergy or medical condition like diabetes, wearing a medical alert ID bracelet is a simple precaution. A wearable electronic monitor that can alert emergency personnel in the event of a fall is another easy measure to implement.

Even if the plan is to stay at home for as long as possible, there may come a time when that’s no longer safe. The decision about whether or not to move away from home is a difficult and emotional one to make.

It’s best to mentally prepare for that possibility now while there’s still time to have some control over where you’ll go. Learn as much as possible about the available housing options and include loved ones in the search.

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Living in place is an attainable goal with the right amount of forethought. At Insureyouknow.org, you may store all of your financial and medical records in one easy-to-review place. By staying on top of your budget and health needs, you will have already taken care of the most critical components of your aging-in-place plan.