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<ul class="summary-list"><li>The two biggest spending mistakes people make are on homes and cars, Ramit Sethi, a personal finance expert, said. </li><li>Sethi, host of Netflix's "How to Get Rich," said Americans have <a target="_blank" href="https://www.businessinsider.com/housing-market-prices-starter-home-million-dollar-cities-home-costs-2024-7">a "religion" around ownership</a>.</li></ul>Ramit Sethi is a New York Times bestselling author, host of his own Netflix series, and the <a target="_blank" href="https://www.linkedin.com/posts/ramitsethi_when-people-find-out-that-im-a-millionaire-activity-7096883178031751171-zGmK/">proud owner</a> of a 2005 Honda Accord.And while the personal finance expert reportedly has a <a target="_blank" href="https://bloggerspassion.com/ramit-sethi-net-worth/">net worth</a> of some $25 million, he says you won't find homes or condos factoring into his fortune.Those deliberate choices reflect two of the biggest mistakes Sethi says he sees Americans making with their spending."It's always the same two things, housing and cars. Always," he said in a recent interview with <a target="_blank" href="https://www.youtube.com/watch?v=1LLFNxipYlI">Scott Galloway's podcast</a>. "Americans love housing and cars, and they make the biggest financial mistakes with those two categories."Sethi said that American society has a "religion" around ownership of these assets that causes most people to overlook the <a target="_blank" href="https://www.businessinsider.com/new-homebuying-rule-sign-buyer-representation-agreement-realtors-lawsuit-settlement-2024-8">"phantom costs" associated with buying and maintaining</a> them, like interest expenses, repair bills, transaction costs, and even opportunity costs arising from alternative uses of that money."Americans are extremely bad at calculating phantom costs. They just take the big number and subtract the small number," he said, referring to the simplistic way home buyers commonly think about their purchase.By way of example, Sethi said he rented an apartment in New York City for $3,000 a month that he estimates would have ultimately cost $6,600 per month to own as a similarly situated condo over the same period.Buying a home has gotten a lot more expensive in recent years. Home values have gone up <a target="_blank" class="" href="https://fred.stlouisfed.org/series/CSUSHPINSA">50%</a> since the start of the pandemic, according to the Case-Shiller Housing Index. And the median sale price of a home in the US was more than $412,000 in the second quarter of this year, according to data from the US Census Bureau and HUD. Roll into that rising interest rates, real-estate agent fees, insurance, and a myriad of other expenses, and writing a monthly check to a landlord might not seem so bad after all.Of course, individual circumstances vary widely, and numerous <a target="_blank" href="https://myhome.freddiemac.com/resources/calculators/rent-vs-buy">calculators are</a> available online to help you decide which path to take.Beyond the benefit of the savings itself, he said the difference could be <a target="_blank" href="https://www.businessinsider.com/personal-finance/investing/average-stock-market-return">invested in a low-cost index fund</a> for an even larger impact.Sethi similarly criticized the impulse to buy a large SUV "the minute they have kids" — a move that, in many cases, ends up <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/best-budgeting-apps">stretching household finances</a> beyond their limits and causing relationship strife.Car prices have gone up sharply, too — roughly 25% for new vehicles and more for used vehicles, according to Cox Automotive — and <a target="_blank" href="https://www.businessinsider.com/personal-finance/questions-before-taking-out-car-loan-financial-planner-2023-11">loan terms have grown ever longer</a>. Lending Tree estimates the <a target="_blank" rel="noopener noreferrer" class="c-link c-link--focus-visible" href="https://www.lendingtree.com/auto/debt-statistics/">average</a> new car payment to be $735 a month, which can be a significant drag on building wealth. That's a lot of money to shell out for an asset that invariably depreciates in value over time.In some cases, it might be more financially sensible to stick with an existing car, opt for a smaller one, or forgo vehicle ownership altogether."They are spending too much on their housing and cars. There's nothing left over, and yet they don't know that. They can't make the connection, so they fight about how much they ate out and spent on appetizers," he said.Sethi clarified that he's not staunchly for or against renting or owning, and he's a strong proponent of spending lavishly on things that are important to individuals — even luxury supercars if that's your thing."I'm saying simply <a target="_blank" href="https://www.businessinsider.com/personal-finance/banking/how-to-save-money">run the numbers</a> because just buying a house is not the same ticket to an upper-middle-class life that it used to be," he said.

Host of Netflix's 'How to Get Rich' says these are the 2 spending habits that people mess up

<ul class="summary-list"><li><keyword id="20335345" type="General" weightage="20" keywordseo="McDonalds" source="keywords" meta.keywordsubtype="org" meta.entityname="McDonald's" meta.hostid="261" meta.entityid="McDonald's">McDonald's</keyword> global sales fell for the second consecutive quarter, down 1.5%.</li><li>Fast-food chains have faced challenges from <keyword id="19999654" type="General" weightage="20" keywordseo="food-inflation" source="keywords">food inflation</keyword>, affecting <keyword id="20139791" type="General" weightage="20" keywordseo="consumer-spending" source="keywords">consumer spending</keyword> habits.</li></ul>Global sales at McDonald's have fallen for a second consecutive quarter as the fast-food chain struggled in international markets, especially France, the UK, China, and the Middle East. Sales were down 1.5% in its third quarter, following from a 1% slide in the previous quarter, ending June 30. Comparable sales in the US were virtually flat, up 0.3% from the same period in 2023, while sales in international markets dropped 2.1%. Sales in licensed international markets fell 3.5%. "We will stay laser-focused on providing an unparalleled experience with simple, everyday value and affordability that our consumers can count on as they continue to be mindful about their spending," McDonald's CEO Chris Kempczinski said in the earnings release. While sales dropped, <a target="_blank" class="" href="https://www.businessinsider.com/trying-most-expensive-mcdonalds-switzerland-disappointing-fries-best-burger-2023-12">the Golden Arches</a>' revenue increased 3% to $6.9 billion, beating the $6.82 billion figure that was the consensus of analysts. Net income declined 3%, down to $2.26 billion, down from $2.32 billion in the last quarter. Shares in McDonald's fell 2.7% in premarket trade after the results were announced. Fast-food restaurants have struggled with food inflation since the COVID-19 pandemic. The most recent <a target="_blank" class="" href="https://www.bls.gov/news.release/cpi.nr0.htm">US consumer price index</a>, released in early October, showed that the cost of food away from home rose 4% in the prior 12 months, significantly higher than gains in both grocery store prices and the overall CPI. Chains, including McDonald's, have responded to the soaring cost of ingredients and labor by raising menu prices. Consumers have felt the strain of rising costs. Analysts have said that some consumers are <a target="_blank" class="" href="https://www.businessinsider.com/why-fast-food-is-so-much-more-expensive-value-affordable-2024-4">comparing the rising cost of fast food to the slowing rate of grocery inflation</a> and choosing to cook more often at home instead of eating out. Lower-income customers have particularly felt the pinch. "The decline in comparable sales signals that consumers continue to retrench from eating out," Neil Saunders, managing director of GlobalData's US retail and consumer division, told Business Insider. "Negative comparable sales and higher costs have also put some pressure on the bottom line where both operating and net income are down," he said. It's uncertain how the <a href="https://www.businessinsider.com/mcdonalds-e-coli-outbreak-cases-rise-75-people-2024-10" target="_blank">recent E. </a><a href="https://www.businessinsider.com/mcdonalds-e-coli-outbreak-cases-rise-75-people-2024-10" target="_blank">coli outbreak</a> in several states might affect McDonald's fourth-quarter results. One person died, and at least 75 were sickened. The Food and Drug Administration has said that the slivered onions on affected <a href="https://www.businessinsider.com/mcdonalds-quarter-pounder-ecoli-outbreak-why-important-sales-2024-10" target="_blank">Quarter Pounder burgers</a> were "a likely source of contamination," and the supplier of the topping <a href="https://www.businessinsider.com/mcdonalds-supplier-taylor-farms-recalls-onions-amid-e-coli-outbreak-2024-10" target="_blank">has issued a recall</a>. Correction: October 29, 2024 — An earlier version of this story overstated what has been confirmed about the recent <keyword id="22099782" type="General" weightage="20" keywordseo="E-coli-outbreak" source="keywords">E. coli outbreak</keyword> linked to McDonald's. The FDA is still investigating the outbreak and has not conclusively settled on a cause, though it has said slivered onions from one of the chain's suppliers were "a likely source of contamination."

McDonald's sales dropped for the 2nd quarter in a row as customers keep tightening their belts

<ul class="summary-list"><li>Kevin O'Leary changed how he spends money after learning about his mother's Chanel jackets.</li><li>She would save up for a year to afford a luxury coat, but it would last her 20 years.</li></ul>Long before Kevin O'Leary struck his first "Shark Tank" deal, his mother, Georgette, taught him an <a target="_blank" class="" href="https://www.businessinsider.com/kevin-oleary-investment-philosophy-2015-5">important lesson</a> that changed how he spends money.In his book, "Cold Hard Truth on Men, Women &amp; Money," O'Leary recalls admiring a classic Chanel jacket she wore to one of their family's <a target="_blank" class="" href="https://markets.businessinsider.com/news/stocks/warren-buffett-santa-claus-dinner-party-teddy-bears-coke-oreos-2020-12">Christmas dinners</a> in the 1980s.O'Leary — the self-proclaimed "Mr. Wonderful" — remarked that it must have cost her a fortune, but she revealed that she'd purchased it 20 years earlier in the 1960s.He learned that she had a tradition of <a target="_blank" class="" href="https://www.businessinsider.com/kevin-oleary-interview-wealth-building-tips-strategies-advice-investing-app-2020-12">saving up</a> for an entire year to buy a single luxury garment, even as her friends frittered away their money on throwaways.His mother paid $500 for her Christmas outfit — a lot of money in the '60s. But O'Leary estimated that she'd saved $500 by <a target="_blank" class="" href="https://www.businessinsider.com/gen-z-lives-at-home-buys-luxury-goods-travel-designer-2023-2">splurging</a> on a high-quality jacket that lasted her two decades, instead of a cheap, poorly made one that would have needed replacing every couple of years."But here's the real value: the perpetually fashionable Chanel blazer would fetch about $1,000 today, according to vintage clothing collectors I've consulted," O'Leary wrote in his 2012 book.O'Leary learned to "treat everything you buy as an investment." Instead of spending impulsively, he considers the quality and potential resale value of products before purchasing them.The O'Leary Ventures chairman was appointed <a target="_blank" class="" href="https://www.businessinsider.com/important-things-to-know-as-the-executor-of-an-estate-2023-10">executor of his mother's estate</a> — including her jacket collection — after she died in 2008.In a LinkedIn post two years ago, he disclosed that "many of those coats were one-of-a-kind collectors' items, and they had <a target="_blank" class="" href="https://www.businessinsider.com/hermes-became-ultimate-status-symbol-2024-2">massively appreciated in value</a>."Perhaps unsurprisingly, "the women in my family fought like cats and dogs to get near her clothing," he joked to CNBC Make It in 2018."I had to beat them back with a stick to be fair about it, because <a target="_blank" class="" href="https://www.businessinsider.com/manage-inheritance-family-conflict-money-emotions-financial-therapist-2024-7">everybody wanted</a> Georgette's outfits because she didn't buy crap," he told the Millennial Investing podcast in 2020.O'Leary also told CNBC Make It that he follows his mother's example when it comes to buying clothes, and showed off his $2,800 jean jacket from Yves Saint Laurent.The veteran investor has offered plenty of other financial advice over the years. For example, he's <a target="_blank" class="" href="https://www.businessinsider.com/shark-tank-kevin-oleary-personal-finance-couples-combine-accounts-wealth-2024-9">warned</a> couples not to combine their finances, <a target="_blank" class="" href="https://www.businessinsider.com/shark-tank-kevin-oleary-family-business-loans-relatives-debt-personalfinance-2024-9">advised</a> against lending money to family, and <a target="_blank" class="" href="https://www.businessinsider.com/shark-tank-kevin-oleary-marriage-family-children-kids-wealth-advice-2024-9">cautioned</a> against waiting too long to get married and have kids.

'Shark Tank' star Kevin O'Leary revamped his spending habits after learning about his mother's Chanel jackets

<ul class="summary-list"><li>Wall Street's top performers are hard workers who tend to work long, intense hours.</li><li>Business Insider asked its 2024 class of Wall Street stars about how they stay mentally sharp.</li></ul>Call it superstitious, but Mark Zhu, a 34-year-old managing director at Blackstone, likes to start every day the same way. He has two Trader Joe's yogurt cups, one banana-flavored and one blueberry-flavored, eaten in the same order, followed by his supplements, which also have their specific sequence."Those are just examples of how I bring a level of consistency and sequencing to my life," he said. "Because you know the moment after 9 o'clock, the days can get chaotic."Similarly, the 90 minutes between 5:30 a.m. to 7 a.m. are precious to Craig Kolwicz.The Moelis investment banker uses that time to put himself in control for the rest of the day, whether by going to the gym, meditating, or reading a book."You're not getting pulled in all different directions with your deals, your transactions, or just things in life," said the 35-year-old managing director."It's sacred time to me — anything before 7 a.m. is my time."It's no secret that working on Wall Street is demanding. Finance giants from Blackstone to Goldman Sachs attract some of the brightest and most driven people, and to climb the ranks is no easy feat.When we asked top up-and-comers on Wall Street about the habits or routines they followed to keep themselves mentally sharp, no one mentioned<a target="_blank" class="" href="https://www.businessinsider.com/start-day-cold-plunge-reduce-grogginess-stress-mental-sharpness-2023-4"> cold plunges</a>, 10-step facial rituals, or <a target="_blank" class="" href="https://www.businessinsider.com/inside-bryan-johnson-dont-die-summit-singapore-longevity-health-biohacking-2024-10">biohacking</a> trends that tout themselves as life hacks that instantly make you more attractive, healthier, smarter, and more balanced.Most of these high performers featured on <a target="_blank" href="https://www.businessinsider.com/top-wall-street-executives-rising-stars-investing-trading-2024#blake-cecil-32-bridgewater-associates-5">Business Insider's 2024 list of rising stars of Wall Street</a> are spending time with their families, keeping physically and mentally healthy with reasonable workout and <a target="_blank" class="" href="https://www.businessinsider.com/goldman-sachs-partner-brian-robinson-neon-sign-about-sleep-2024-4">sleep routines</a>, and finding opportunities to recharge.Here's what we learned about the hacks, habits, and routines that help top talent on Wall Street stay on their game.<h2 id="25bcbc05-aac9-4976-b303-ad847534c9cf">Morning routines</h2>Chicago-based Bank of America investment banker Corey White is another early riser. He relies on his Apple watch to wake him up gently, with a little vibration at 5 a.m. The 35-year-old works out. He's partial to weight lifting but recently took up running thanks to his twin brother, who works in private equity. He sends his kids off to school and listens to a podcast on an hour-long commute into the office."My mornings are super important to me to have a nice, kind of slow start to the day. And I found it's regulating," he told BI. The routine helps him stay present with his home life as well as work, he added.<div type="image" title="Woman having coffee on her balcony" height="3333" width="5000" msid="114020357" hostid="261" sizebytes="359366"></div>Nina Gnedin, a San Francisco-based portfolio manager from Man Group, starts her day at 4:30 a.m. because she works East Coast market hours."I wake up. I do my face. I do my skincare. I brush my teeth. I drink my double shot of espresso. I do all my morning work rituals, where I check the trades. I check on the portfolios around 7, 7:30. I get coffee again."Her "very regimented" workday ends at 3 p.m., which allows her to get outside and enjoy the outdoors. "There's no day of the year where the sun's down when I'm done with work," she said.<h2 id="44e9adf5-0637-4484-ac2c-31816b001006">Productivity hacks and habits</h2>Bridgewater Associates deputy chief investment officer Blake Cecil likes to push himself (and his team) to meet deadlines that might be arbitrary on paper but give him a mental goal to chase.The 32-year-old overpromises on projects intentionally to " trick" himself into working more efficiently and diligently. One example is he will ask his team and himself this hypothetical: "Let's imagine we had to deliver this in 24 hours — how would we do that?"Often, this leads to creative and innovative work, he told BI.BlackRock's Chi Chen, 34, winds down her weekends with a Sunday evening reading ritual that helps her "distill my brain."It's a two-hour affair, starting with one hour of the books she's reading. The fixed-income portfolio manager is a fan of non-fiction and just read "Behave: The Biology of Humans at Our Best and Worst" by Robert Sapolsky. After that, she turns back to the markets. She reads external and internal research and prepares for the week.<h2 id="e4df00ef-f617-4808-b80b-d0d397e3e250">Commuting with a purpose</h2>Since starting at Bank of America, Justin Elliott has had a daily regimen designed to take up his 20-minute commute to work."It's really around my faith — I do a devotion. Read a Bible scripture, pray. Come into the office and listen to a gospel song," the 29-year-old vice president on the institutional rates sales desk at Bank of America told BI. "That's my every morning routine for getting me centered for the day. It's about reminding me why I'm here and what it's all about."He also goes to the gym two to three times a week and has recently been doing sound baths and meditation with his wife.Listening to music on her drive to her Boston office helps Fidelity Investments' Palmer Osteen, 31, take her mind off what's about to come and what's ahead so she can start her workday with a clear head. It also works for her way home.<div type="image" title="Businesswoman on the phone on her way to work" height="5464" width="8192" msid="114020358" hostid="261" sizebytes="517532"></div>Music "helps me reset and decompress and not go to bed with a hamster wheel in my brain," she said.KKR's Alissa Song, who grew up in Silicon Valley but now lives in New York, uses the time to touch base with family and friends."It just keeps me connected to the people I care about," the 31-year-old industrials investor told BI. "I've been doing this since my college internships.""Part of it is just that we came to the US when I was really young, and so here it's just the four of us here, my two parents and my brother. And so we're really close," she added. "That's been a way that I've kept in touch."<h2 id="d349da13-5838-4be9-ba4b-f0e2bc038874">Friends and Family</h2>Similarly, making time for quality time with friends and family keeps Daniela Cardona, 29, grounded."I work a ton," the RBC investment banking vice president said, but "most important is I've never lost sight of my friends, my support system."Bank of America's White has a family day every Saturday with his wife and two young sons."We go to the museums, go to the zoo, go to the water park, wherever it is, we just fully, deeply focus on our family," he said. "And I think being able to give 100% to whatever you're focused on is really important for just productivity, but also for the mental side of I'm here right now in the moment with my family and being fully immersed in that."<h2 id="0be578d3-3a1c-440b-bfb9-83f44a5d76f0">Hobbies that help take you away</h2>Ben Carper, who finished his <a target="_blank" href="https://www.padi.com/">Padi</a> open water certification a couple of years ago, tries to take a trip or two a year with his wife that focuses on diving. Along with a chance to see exotic locations, it's a chance to completely unplug."It's a change of scenery, and it's kind of hard to think about work when there's a 25-foot manta ray swimming nearby," Carper, a 34-year-old managing director on Jefferies' Private Capital Advisory team, added. His last dive was in the Maldives, and he's eyeing Thailand next.Matthew Eid-Holm, a principal at Ares Management, skis or scuba dives at least every 6 months."A few hours of these activities that require 100% focus on the present are very effective at resetting," the 32-year-old told BI.<div type="image" title="Scuba diver and big manta ray" height="3516" width="5483" msid="114020365" hostid="261" sizebytes="529324"></div>Also, on the ocean theme, Moelis' Kolwicz is a pretty avid surfer."Being out on the ocean, getting that physical activity — it's easy to zone out."There are ways to decompress and relax on land, too. Melissa Ding, an infrastructure investor at BlackRock, likes to engage in meditative activities like cooking, pottery, or tending to her terrace garden to give the 33-year-old a "little bit of mental reset.""When I need a little bit of rest time, there are just things that I do that where I can kind of zone out."Her garden consists of flowers, including dahlias, and a recently planted fig tree.Wells Fargo's Annie Cheslin, 34, recently learned how to play the centuries-old strategy game mahjong, which she's become "obsessed with." The managing director in high-grade municipal trading joined a club that meets twice a month to play.<h2 id="5b69cc3a-c919-44eb-9934-40cdd16bfe98">Exercise routines</h2>Physical challenges are a way to distract yourself from the day-to-day and counterbalance the time you spend in front of computer screens or client dinners.Margaret Williams, a 31-year-old executive director at Morgan Stanley, said she exercises in some form or fashion every day. Williams will do anything, from a run in Central Park to weightlifting to laps at a hotel pool on the road to late-night walks with the dog."It's a part of staying balanced, physically and mentally," she said.Being disciplined about daily workouts is also how Apollo's Austin Anton, 32, clears his head."I find that when I go for a run, I have my most creative ideas, and I love to run, and I tend to do that every other day," he said. "So I find that very helpful in terms of clearing my head and allowing me to think through something."<div type="image" title="Two men and a women lifting weights as they plank" height="3331" width="6317" msid="114020366" hostid="261" sizebytes="390294"></div>Erica Wilson's workout of choice is weightlifting, which "has become a real stress reliever over the last couple of years," she told BI.The 31-year-old vice president at Blue Owl's daily habit has evolved into a competitive hobby. She participated in a power-lifting competition last year through Tone House — she deadlifted nearly twice her body weight — as well as Hyrox, <a target="_blank" href="https://hyrox.com/the-fitness-race">a fitness race</a> featuring eight separate physical exercises, such as sled pulls or burpee broad jumps, with a 1-kilometer run in between each.For Harrison DiGia, morning is the best time to get a workout in."I try to wake up and move my body. I do some sort of workout every morning, whether it's strength training, playing tennis, or even stretching or yoga," the 31-year-old General Atlantic vice president said. "I'm a huge tennis player. I like using that time in the morning to clear my mind. It helps me reset and gets me ready for the new day ahead."<h2 id="d3113c79-caac-4d9d-8730-368968e9dd30">Getting some shut-eye</h2>Patrick Lenihan, a portfolio manager at JPMorgan Asset Management, has a strict bedtime."There's some nights where you need to get things done, but I try to have a hard cutoff. Let's just say 9:30— that's lights out." That gives him 30 or 45 minutes to wind down and ensure he gets his sleep, not just for physical health, but mental, too.He also makes a point to stay active. He played hockey his whole life, but after a few surgeries, he now does lower-impact exercises like pilates and barre at least three or four times a week."Now that I'm on paternity leave, I've been lucky enough to do it, get in a little bit more. But I think those two things help me to at least stay recharged and stay ready each day," he said.Luckily, his infant son is a great sleeper and has not disturbed Patrick's rest so far.<div type="image" title="Woman in distress resting in bed, soft light illuminating the room" height="2000" width="3000" msid="114020363" hostid="261" sizebytes="82906"></div>"I definitely think getting sleep is important," Elizabeth Stone Redding, a principal at TPG, told BI. "It's certainly something I have realized as I've matured in my career, that you really need to use your brain, and you need to get a decent amount of sleep for that."The 33-year-old also habitually sets priorities to stay on track and not get overwhelmed."It's very easy to obviously be overwhelmed with a large list of things, but narrowing it down and saying, 'Okay, these are the two or three things I really want to do today,' helps me a lot," Stone Redding said. "I try to have — even if it's just in my head — a list of two or three things I want to accomplish in a given day."<h2 id="4de0d80b-046e-4e13-ac5d-6bea4c6d110c">Taking a step back</h2>Matt Gilbert, a 35-year-old managing director at Thoma Bravo, started working with an executive coach a few years ago. He was surprised when the coach pushed him to pull back at work."I would say, in general, workaholic or 'Type A' people tend to try to grasp more and more responsibility," he said. "And I actually think ultimately that was the case for me."Gilbert now spends more time with his family. He has made a habit of watching TV with his wife every night and dropping his oldest daughter at school."I think I fill up my cup in terms of personal fulfillment so that my time that I'm at work, I can really, really focus and dedicate to that and kind of maximize the time that I have here."Gidan Dan's key ritual at work is consistently staying in touch with his clients, but at home, the Citadel Securities senior vice president takes the chance to relax."A lot of my colleagues are really good runners and they work out and everything. I'm completely different," he said. "I think I work long enough hours, so I don't want to exhaust myself too much. So I would just go home, and taking care of my kids is enjoyable but exhausting stuff," Dan said of his two daughters, aged 1 and 4. Feroz Khosla, a managing director at Goldman Sachs, isn't just looking for work-life balance, but "work-life harmony — which just means, when you look back at your career, you feel as if there was harmony between work and life," he told BI."Sometimes, you do need to have the power to say no, but do it gracefully," he said. "Maybe the answer is sure, but not right now—and being able to do that without disappointing people is super helpful."

Wall Street's hacks and habits to stay on top of their game 

Smartphones have changed how we connect, work, and entertain ourselves, but they might also be silently reshaping our closest relationships. A recent study titled ‘Impact of Smartphones on Parent-Child Relationships’ sheds light on a growing concern: the excessive use of smartphones is creating barriers between parents and children in India. The sixth edition of the vivo Switch Off survey, conducted in collaboration with CyberMedia Research (CMR), highlights how technology, while indispensable, has become a source of conflict in family dynamics. The findings are a stark reminder of the need for balance in a world increasingly dominated by screens. <h2>Children are more aware of smartphone impact </h2> One surprising revelation from the study is that children appear more aware of the negative impact of <keyword id="24400365" type="General" weightage="20" keywordseo="excessive-smartphone-use" source="keywords">excessive smartphone use</keyword> than their parents. About 69% of children acknowledged that smartphone overuse has led to conflicts with their parents, and an overwhelming 94% suggested that their ideal phone for parents should focus on basic features like calling, messaging, and a camera—stripping away apps for entertainment, gaming, or social media. Children also demonstrated a desire for collective change: 66% said they would give up social media if their peers did the same, while over 90% wished that some popular social media platforms had never been created. <h2>Parents spend more time on their phones than children </h2> While 75% of parents worry about their children’s ability to build meaningful relationships, the irony is evident. Many parents overlook how their own smartphone habits are affecting their bond with their kids. On average, parents spend more than five hours daily on their phones, compared to four hours for children. A striking 73% of parents admit that their device use has caused friction at home. Even during significant moments like family vacations or celebrations, both groups confess to using their phones, underscoring how deeply ingrained this habit has become. <h2>Yearning for stronger bonds </h2> Despite the challenges, there’s a shared longing for deeper connections. About 76% of children and 84% of parents expressed a wish to strengthen their relationships through meaningful family time, free from digital distractions. Both groups are exploring solutions such as creating “phone-free” zones at home and setting mutual screen-time limits. One-third of children believe the world would be better off without certain apps, reflecting their frustration with the digital environment they’ve grown up in. Yet, they also see hope in collective action—if their families and friends embrace healthier smartphone habits, they’re ready to follow suit. <h2>Expert opinion </h2> Highlighting the issue, Riddhi Doshi Patel, a child psychologist and parenting counsellor, noted, “Excessive smartphone use is silently eroding emotional bonds between parents and children. Campaigns promoting mindful tech use aren’t just helpful; they’re transformative. They can foster genuine connection and create homes where relationships flourish beyond screens.” To address these challenges, vivo has collaborated with experts like Catherine Price, author of How to Break Up with Your Phone, and Riddhi Doshi Patel to offer practical advice. Their guidance includes actionable steps like setting screen-time boundaries, creating phone-free zones, and prioritising face-to-face interactions. What are your thoughts on this growing issue? Can families bridge the digital divide, or is it a price we’ll continue to pay for staying connected?

Parents spend more time on their smartphones than children and this might be straining relationships, new study suggests

India's economy is expected to grow at 7-7.2 per cent in the current fiscal year driven by robust economic fundamentals and continuity in domestic policy reforms, <keyword id="20006170" type="General" weightage="100" keywordseo="Deloitte-India" source="keywords" meta.keywordsubtype="org" meta.entityname="Deloitte India" meta.hostid="261" meta.entityid="Deloitte India">Deloitte India</keyword> said on Monday. The August update of <keyword id="19896400" type="General" weightage="20" keywordseo="deloitte" source="keywords">Deloitte</keyword>'s India Economic Outlook said several initiatives in the <keyword id="19908389" type="General" weightage="20" keywordseo="union-budget" source="keywords">Union Budget</keyword> 2024-25 toward improving agriculture productivity, creating jobs for the youth, and in manufacturing and addressing the challenge of access to finance for micro, small, and medium enterprises (MSMEs), would help improve supply-side demand, curb inflation, and prop up <keyword id="20139791" type="General" weightage="20" keywordseo="consumer-spending" source="keywords">consumer spending</keyword>, especially in rural areas. Deloitte India Economist Rumki Majumdar said, India will witness robust growth in the second half after a period of uncertainty in the first six months of the year. "Key contributing factors include the continuity in domestic policy reforms, reduced uncertainties in the US post-elections, and more synchronous global growth within a low inflation regime. "Additionally, improved global liquidity conditions, as central banks in the West ease their monetary policy stance, will enhance capital flows and drive higher investments, particularly in the private sector," Majumdar said. Observing that strong economic fundamentals would drive <keyword id="19972825" type="General" weightage="20" keywordseo="GDP-growth" source="keywords">GDP growth</keyword> between 7 per cent and 7.2 per cent in FY25, the Economic Outlook report said effectively addressing the urban-rural consumer spending gaps, inflation, and employment concerns can significantly enhance the affordability of aspirational rural consumers. "The much-desirable policy pivot was evident in the Union Budget presented last month. Reducing the urban and rural spending gap in the coming years will ensure sustained consumer demand from a larger consumer base," it added. Deloitte India's growth projection is at par with that of RBI, which projected FY'25 growth at 7.2 per cent. It is higher than Finance Ministry's Economic Survey which estimated GDP expansion between 6.5-7 per cent. The <keyword id="19948184" type="General" weightage="20" keywordseo="Indian-economy" source="keywords">Indian economy</keyword> grew at 8.2 per cent in 2023-24 fiscal year. The report further said despite strong growth, private consumption spending has remained modest over the past five years. The pandemic, high global and domestic inflation, consequent tightening of financial conditions, and the effects of poor agriculture output on rural demand seem to have capped private consumption growth in India. But a Deloitte research showed that India is witnessing distinct and broad-based shifts in consumption patterns. There is a broad-based shift in the composition of consumption towards more non-food and discretionary items, reflecting changing lifestyles and preferences that are here to stay. According to the Household Consumption Expenditure Survey, spending on discretionary goods and services (including conveyance) has gone up both in rural and urban India, with the former quickly catching up in spending on discretionary durable goods (including automobiles, electric and electronic goods) with the latter in just one decade. "Demand for processed food has been among the highest in most states, suggesting a shift towards ready-to-eat options. Rapid urbanization, increasing women's participation in the workforce, and enhanced marketing and availability are driving these changing dietary habits," the report said. According to Deloitte research, if increasing income in states results in a relatively equitable distribution and higher rural spending, businesses can tap into a larger proportion of the state's population that resides in rural areas. This gives businesses access to a large consumer base and a sustainable consumer spending demand, as compared to states with a widening gap.

Indian economy likely to grow at 7-7.2 percent in FY25,Deloitte India says

<ul class="summary-list"><li>Stephanie Noble, 37, felt as though her shopping was getting out of hand.</li><li>In June, she decided to start a 'no-spending' journey.</li></ul>This as-told-to essay is based on a conversation with Stephanie Noble. It has been edited for length and clarity.For over a year, I had been slowly realizing that I needed to change my <a target="_blank" href="https://www.businessinsider.com/gen-z-men-women-leisure-spending-habits-differ-report-shows-2024-9">spending habits</a>, but I wouldn't do anything about it.I constantly saw new makeup products influencers were trying out on platforms like <a target="_blank" href="https://www.businessinsider.com/gen-z-tiktok-user-quit-mental-health-productivity-us-ban-2024-4">TikTok</a> and heard the messaging that told me, "You need this. It will change your life."Influencer culture and chasing <a target="_blank" href="https://www.businessinsider.com/i-tried-dopamine-restricting-for-procrastination-motivation-productivity-strategy-2022-6">dopamine hits</a> contributed to my spending habits getting out of control. I don't think you have to be an addict to fall into unhealthy spending habits. But I'm personally in recovery for drug and alcohol use, and I think another factor influencing my shopaholic nature was just following into addiction easily. Since June, I've been on a no-spending journey that's not only saved me money but also given me time back.<h2 id="790b08a3-cd9b-4a7a-aa9c-20db007b3b44">I felt overwhelmed with how much stuff I had and knew I needed a change</h2>This June, I was <a target="_blank" href="https://www.businessinsider.com/how-to-declutter-workspace-expert-2024-9">cleaning out my office</a>, and it was overwhelming to see not only how much stuff I had but also how many brand-new products I had with tags still on them.Something clicked in me, and I knew I had to make a change. I had to allow my internal voice to be louder than any influencer taglines I was hearing and center the fact that my worth is not tied to how many makeup products I have or <a target="_blank" class="" href="https://www.businessinsider.com/things-millennials-spend-too-much-money-on-2024-9">how much money I can spend</a>, regardless of the narratives being sold to me.I haven't shopped since June 20. My no-spend journey includes makeup, skincare, hair care, clothes, shoes, purses, and jewelry. I don't repurchase any new products until I've used what I have. For example, there's a tinted sunscreen I really like, and I recently ran out. But I already had a tinted sunscreen in my collection I could give use, so I'm doing that instead of replacing the one I ran out of. Although I don't like the one I'm trying now as much, I'm still going to use it until it's gone. Then, when I run out of it and repurchase a new tinted <a target="_blank" href="https://www.businessinsider.com/why-sunscreen-is-not-enough-to-protect-you-from-sun-2023-9">sunscreen</a>, I'll choose the brand I know I love. That's my mental system, so to speak.Since June, I did buy a $7 body lotion on Amazon because mine was completely out — I was quite literally scraping the product out of the sides. Later I found a body lotion in my closet and was like, "Oh crap, I already had one," but beyond that accidental purchase, I haven't had any slip-ups, and I haven't run out of that many products.<h2 id="b14212e5-b21a-408f-bc81-3b02ec3dcad6">I've also stopped spending as much on food</h2>My no-spend journey with products has also made me pay more attention to my food spending habits. My husband and I are vegans, so it's not necessarily easy to eat out. We <a target="_blank" href="https://www.businessinsider.com/stopped-ordering-grocery-delivery-shop-with-kids-save-money-2024-6">order groceries online </a>every week and eat out maybe twice a month. Luckily my husband is a great chef, so he makes dinner for us every night.We've prioritized <a target="_blank" href="https://www.businessinsider.com/only-ate-home-cooked-food-for-a-month-what-happened-2019-8">eating at home</a> since the start of the pandemic, so our food routine isn't new. But I did take DoorDash off my phone. I realized ordering one sushi roll would cost around $35 with delivery and tip included, and I had to ask myself, "What am I doing?"<h2 id="7f72d96d-56f9-4e21-89bd-77e68c1893fa">It's not always easy, but I've learned to get my dopamine hits elsewhere</h2>But watching the recent fall decor and clothing haul content has been difficult. I had to look in my closet at my sweaters and pull out my fall decor. I realized that not only is my stuff still so cute, but the trends have not changed much from last year. It's the same pattern, colors, and vibe.I used to get a dopamine hit from shopping, but now I've been getting a dopamine hit from going on walks, listening to new songs, getting out with nature, sharing memes with my husband, and doing just about anything with my dogs. I don't just let those moments of joy pass me by. I intentionally sit with them, wire them into my brain, and make a list of those <a target="_blank" href="https://www.businessinsider.com/happiness-gratitude-journal-depression-2019-4">moments of gratitude</a>. Journaling has also been a helpful tool I've used for years when wanting to make a change.<h2 id="ec63ce4d-ffdb-4124-894a-f4a58a6bec62">Saving money has been great, but getting time back has been better</h2>After paying bills, with the way I used to shop, I normally wouldn't have much to put in savings. I'm starting to notice what I have left over since I've stopped shopping and moving it into a different account, and I've saved a little over $5,000 at this point. I plan to add the money to a <a target="_blank" href="https://www.businessinsider.com/use-several-high-yield-savings-accounts-reach-goals-2024-7">high-yield savings account</a>, but beyond that, I haven't decided what I want to do with the extra money. My husband's great with finances, and I want to talk more with him about it. But what I do know is that I want to spend the money on experiences.While saving money has been great, the biggest benefit of my no-spend journey has been getting time back. I've been <a target="_blank" href="https://www.businessinsider.com/revenge-bedtime-procrastination-going-to-bed-early-2021-9">going to bed earlier</a>, waking up earlier, journaling every morning, taking longer walks, and just being more present overall.Time can't be bought, and I'm being more intentional about how I spend mine.

I realized my spending was out of control and started a 'no-spend era.' Since June, I've saved over $5,000. 

<a target="_blank" href="https://www.businessinsider.com/hilary-swank-is-happy-to-be-older-mom-2024-9">Hilary Swank</a> has always followed her own rules, whether she's beating the odds to become an Oscar-winner or building a family and expanding her career in her 40s and 50s.She knew she wanted to be an actor from the age of eight, and was undeterred by her humble beginnings in a trailer park.After her sophomore year of high school, Swank and her mom moved from small-town Washington to LA so she could pursue her dream. They <a target="_blank" href="https://www.businessinsider.com/rich-and-famous-people-who-once-lived-in-car-2016-12">lived in her mom's car</a> for the first month, and then in a one bedroom apartment."A lot of people will say, 'Well, I have this idea, but it just seems so far-fetched.' And I just say, 'keep going towards it,'" Swank told Business Insider.At 25, she <a target="_blank" href="https://www.businessinsider.com/hilary-swank-hollywood-gender-pay-gap-salary-2016-10">won her first Oscar</a> for 1999's "Boys Don't Cry," beating out both Meryl Streep and Julianne Moore. Five years later, she received her second Oscar for "Million Dollar Baby."<div type="image" title="Hilary Swank gives an acceptance speech at the Oscars in 2000." height="1024" width="615" msid="114325564" hostid="261" sizebytes="90320"></div>"I never had an alternate like, 'well, look, if this doesn't work out. I'll do this,'" Swank said.At 48, she embarked on what she considers her biggest role yet — <a target="_blank" href="https://www.businessinsider.com/hilary-swank-pregnant-with-twins-at-48-2022-10">motherhood</a>. She's now 50 and her twins, Aya and Ohm, are 18 months old.Swank spoke to me on a video call from the Manhattan headquarters of HealthyBaby, where she has been the chief innovation officer since February.She first discovered the brand that makes sustainable diapers, baby wipes, and skincare products with minimal chemicals after learning that some mainstream products can contain traces of carcinogens. She resonated so strongly with the brand's mission that she asked to help expand their product line.Swank said she prioritizes jobs with the flexibility that allow her to take breaks when she needs, so she can spend as much time with her twins as possible. Outside of working hours, Swank's priority is her family and self-care."The time that I'm taken away from my babies, I want to make sure that it's utilized well and that there's actually a reason for being away from them," she said.In this installment of <a target="_blank" href="https://www.businessinsider.com/bear-grylls-daily-routine-barefoot-walks-cold-plunges-plenty-meat-2024-9">Business Insider's "5 to 9" series</a>, where celebrities and high-flyers share how they spend the hours they're not working, Swank shared how she keeps fit, what she eats, and how she recharges.<h2 id="7e7a4e8e-d0f7-4dc7-8eaa-3d33a00af6dd">Meditating in the morning </h2><div type="image" title="A pregnant Hilary Swank and husband Philip Schneider posing at the Golden Globe Awards." height="4000" width="6000" msid="114325560" hostid="261" sizebytes="361952"></div>Talk me through your morning routine.When I wake up in the morning, if I have the energy, I meditate. Even if it's just for three minutes, I try to sit quietly and settle into my day.Then my husband and I get the bottles ready and wake the babies up. When I'm not on set, I can usually work from home, so the first few hours of the day is family time.We eat breakfast together, which I believe is really important, we play, we hang out, and then my husband and I put the twins down for a nap.What are your eating habits?My husband is definitely the main cook, I struggle to make toast!But I'm a big eater, I eat every hour and a half, and think of food as fuel. I definitely like to have protein with every meal — whether it's beans and rice or eggs or a small piece of fish — and I make sure that I'm eating the right fruits and vegetables.I was vegetarian for 23 years, but now I'm mainly plant-based except for eggs and fish.I don't like to restrict myself but I listen to my body. If, for example, I'm <a target="_blank" class="" href="https://www.businessinsider.com/how-to-eat-carbs-without-blood-sugar-spikes-2024-9">craving sugar</a>, I know that I'm either tired or I'm not getting enough vitamins. And once I get some rest and eat something nutritious then I feel better. But if I want sugar, I do eat it.<h2 id="cc2b5f82-95c6-4bb5-b944-93bc3d2b3e1e">Walking every day</h2><div type="image" title="Hilary Swank and Philip Schneider applaud at the French Open." height="682" width="1024" msid="114325563" hostid="261" sizebytes="43600"></div>As a mom to two babies, are you able to find the time to exercise?I love to exercise. It is air that I breathe, but I don't have as much time to exercise at the moment. Being a new mom of twins makes that a little more challenging.But I do make sure that we go for a walk everyday, and I love to play tennis whenever I can.How do you decompress when you're stressed?Ultimately working out for me is about stress relief. I really like <a target="_blank" class="" href="https://www.businessinsider.com/invest-day-exercise-boost-longevity-aging-expert-physiologist-2024-8">resistance training</a> and I try to do it twice a week. It really helps me cope with stress and I find it also makes me sleep better.And now there's the added element of wanting to <a target="_blank" class="" href="https://www.businessinsider.com/essential-healthy-habits-for-your-twenties-thirties-longevity-advice-2023-12">stay strong and healthy for my babies</a>. I want to be able to pick them up and throw them around. I want to play and be outside with them. And eventually I want to be playing tennis with them.Do you have a nighttime routine?If I can get home in time to bathe the babies and put them down, then I win. That's my ideal evening.I totally believe in the ritual of self-care. I always make time for skincare before I go to bed. I wash my face, moisturize, use eye cream, and neck cream.It's something that makes me sleep better. I could never go to sleep with a dirty face.This interview has been edited and condensed for clarity.

How Hilary Swank spends her 5 to 9 — from meditating to eating every hour and a half

<ul class="summary-list"><li><a target="_blank" class="" href="https://www.businessinsider.com/gen-z-sick-leave-pto-mental-health-work-from-home-2024-8">Gen Z</a> has different leisure and spending habits from the rest of the population.</li><li>A report from Morning Consult also breaks down differences in Gen Z men's and women's preferences.</li></ul>The <a target="_blank" class="" href="https://www.businessinsider.com/gen-z-gender-gap-young-men-women-dont-agree-politics-2024-1">growing political divide between Gen Z men and women</a> is no secret, but it turns out they also have big differences as consumers.A Morning Consult <a target="_blank" class="" href="https://pro.morningconsult.com/analyst-reports/a-brands-guide-to-gen-z-men-and-women">report</a> released Wednesday highlighted the gender divergence among young people when it comes to leisure activities and spending habits.In <a target="_blank" class="" href="https://www.businessinsider.com/gen-z-millennials-popularity-instagram-youtube-social-media-2024-7">social media</a>, for example, Gen Z women lean towards photo- and video-based platforms like Pinterest and <a target="_blank" class="" href="https://www.businessinsider.com/tiktok-qvc-livestreams-beauty-youtube-jeffree-star-tati-westbrook-2024-7">TikTok</a>, while Gen Z men prefer text-based sites like Reddit and X, formerly known as Twitter.<div type="image" title="Morning Consult graph of Gen Z men and women social media and streaming platform preferences" height="1136" width="1592" msid="112991417" hostid="261" sizebytes="37832"></div>While Reddit "has always been a very male space," X has "taken on a very masculine brand, look, and feel" <a target="_blank" class="" href="https://www.businessinsider.com/elon-musk-twitter">since Musk bought the platform in October 2022</a>, Ellyn Briggs, a brand analyst at Morning Consult, said.TikTok, meanwhile, has "so many formats that perform extremely well for women audiences," such as get-ready-with-me or day-in-the-life videos, she added.The report also highlighted differences in motivations and attitudes that affect <a target="_blank" class="" href="https://www.businessinsider.com/fed-interest-rate-cut-outlook-september-labor-nonfarm-retail-consumer-2024-8">consumer spending</a>.<div type="image" title="Morning Consult graph of Gen Z men and women shopping habits and motivations" height="928" width="2384" msid="112991415" hostid="261" sizebytes="58944"></div>"It's not super surprising that the things like being among the first to try technology or feeling competitive are more masculine-identifying traits," said Briggs.However, Gen Z women's answers showed they were "more likely to identify with communal ideals like close friendship, gift-giving and putting others' needs before their own" and were "compelled by community," the report said.That seems to fit with recent trends like <a target="_blank" class="" href="https://www.businessinsider.com/outfit-inspiration-watching-barbie-movie-tiktok-2023-7">dressing up to attend "Barbie" movie showings</a> or Taylor Swift concerts, or the <a target="_blank" class="" href="https://www.businessinsider.com/gen-z-women-forming-book-clubs-to-combat-loneliness-2024-3">resurgence of book clubs</a>, for example."Women are looking for community as an option for how to spend their time and set up their lives," Briggs said. "So I think that any company, organization, brand that can deliver a communal experience feeling to women audiences is certainly something they'd want to engage in."

Gen Z men and women spend their money and free time very differently

<ul class="summary-list"><li>Julie Gibson Clark says you don't have to spend a lot to improve your longevity.</li><li>Her daily habits include vegetable eating, trips to the gym and sauna, and some time for meditation.</li></ul>Julie Gibson Clark has been <a target="_blank" class="" href="https://www.businessinsider.com/longevity-experts-keep-biological-age-young-anti-aging-2023-5">biohacking</a> since long before it was a cool thing to do. It runs in her family.Her dad, a NASA astronaut on <a target="_blank" class="" href="https://www.businessinsider.com/how-nasa-astronauts-pee-and-poop-in-space-2018-8#when-nasa-built-skylab-its-first-space-station-in-1973-a-toilet-was-needed-since-astronauts-were-going-to-be-living-in-space-for-months-at-a-time-8">Skylab</a> in the 1970s, instilled in her from a young age the idea that food was fuel. She grew up learning that you can engineer peak performance through the proper training and <a target="_blank" class="" href="https://www.businessinsider.com/anti-aging-foods-brain-heart-health-better-immunity-longevity-2023-9">nutrients</a>.<div type="image" title="skylab " height="1330" width="2000" msid="114988892" hostid="261" sizebytes="184020"></div>But it wasn't until Clark, now 56 and a recruiter, became an adult that she really became interested in optimizing her healthspan. Her aim now is to slow down the aging process, improving her overall health, plus getting stronger, slimmer, and less stressed as a result.And she's gotten really good at it. In 2023, she was ranked number two in the worldwide "Rejuvenation Olympics," <a target="_blank" href="https://www.businessinsider.com/woman-spending-less-than-millionaire-bryan-johnson-anti-aging-ranking-2023-11">beating tech founder Bryan Johnson at his own game</a>, with a pace of aging of around 0.66, according to a <a target="_blank" href="https://www.publichealth.columbia.edu/news/epidemiologists-develop-state-art-tool-measuring-pace-aging">Dunedin PACE</a> blood test. That's roughly 34% slower than time.For about 25 years prior, she'd been slowly tweaking her own longevity strategy. It started out with just a few supplements and some home cooking in her early 30s to help manage persistent acid reflux. Slowly, but surely, she began seeing benefits and changes in her body. She quit drinking and eventually, she stopped taking her antidepressant.She says her formula is simple, and she only changes it slowly and methodically when it suits her "why" — which is to remain in good health for as long as possible, so she can travel, learn, and enjoy time with her teenage son as he grows up.<div type="image" title="julie outdoors, with cactus" height="2000" width="1429" msid="114988889" hostid="261" sizebytes="214458"></div>"You've got to figure out what's your 'why,' what's your intention, and what are your resources?" Clark told Business Insider.Clark feels strongly that you don't have to invest in expensive procedures or gadgets to do it well. Affordable diet and workout hacks can get you <a target="_blank" href="https://www.biorxiv.org/content/10.1101/2024.10.22.619522v1">pretty far</a> when it comes to healthy aging."You have to go, 'Well, this is the rest of my life.' This isn't 10 weeks to the beach body, or even four weeks, or any of those things," she said. "I'm going to take one new thing and I'm going to do it until it's so habitual, it's as easy as brushing my teeth."Her habits also include daily prayers every morning, a meditation session in the early afternoon, and a solid 7 a.m. gym routine, after which she treats herself to a hot sauna and a cold shower.<h2 id="47101dc1-d0cb-47dd-ba75-457559905cc0">How to spend $370 a month on longevity</h2><ul><li>Gym membership at EOS Fitness: $27<div type="image" title="sauna" height="2661" width="3992" msid="114988899" hostid="261" sizebytes="406982"></div></li></ul>Clark treats herself to a sauna and cold shower combo after working out. She likes to think of it like a mini spa treatment.<ul><li>Baby greens she buys in bulk from Costco: roughly $35-$40<div type="image" title="A bag of spinach" height="4000" width="6000" msid="114988896" hostid="261" sizebytes="597522"></div></li></ul>She loves leafy greens.In the summertime, when it's really hot, she'll boil two big bags of spinach and keep them in the fridge to add to meals, like spaghetti sauce. In the winter, she likes adding them to a midmorning <a target="_blank" href="https://www.instagram.com/juliegibsonclark/reel/DBb5WOfSKIr/">greens latte</a>.Dr Dean Sherzai, a brain doctor who specializes in preventive care for dementia, says adding <a target="_blank" href="https://www.businessinsider.com/why-salad-greens-are-good-for-brain-health-aging-2024-7">two servings of greens to your diet</a> per day is a great way to promote and preserve brain health as you age.<ul><li>Vegetables: about $100-$120<div type="image" title="Fruit and vegetable aisle." height="1404" width="2136" msid="114988893" hostid="261" sizebytes="534894"></div></li></ul>Clark focuses on eating a pound of vegetables every day, from morning to night, plus getting a good dose of protein into her diet, a macronutrient that <a target="_blank" class="" href="https://www.businessinsider.com/eating-more-protein-help-women-healthy-aging-positive-impact-2024-1">recent studies suggest</a> is key for healthy aging in women.She typically shops at Sprouts about once a week for the organic veggie haul (not including greens), including purple carrots, sweet potatoes, and celery. She rounds her veg-forward diet out with proteins like chicken, eggs, or meat from local farmers."I try to get a whole rainbow of stuff," she said, depending on what looks good around the periphery of the market.Eating <a target="_blank" href="https://magazine.medlineplus.gov/article/eat-fruit-and-vegetables-live-longer">vegetables is consistently linked to longer, healthier lives</a>. Vegetables are a complex mix of fiber and vitamins. The phytochemicals that give veggies their bright colors have myriad benefits that go beyond what fits on a nutrition label.<ul><li>Nicotinamide Riboside (an <a target="_blank" href="https://www.businessinsider.com/what-is-nad-longevity-supplement-hollywood-uses-prevent-aging-2024-7">NAD+ boosting</a> supplement): $26</li></ul>A supplement popular with longevity-seekers, it is thought to promote cellular health and boost energy.<ul><li>NOVOS Core: $80<div type="image" title="A person scooping a supplement powder into a clear plastic cup." height="1414" width="2121" msid="114988897" hostid="261" sizebytes="58504"></div></li></ul>This is a powder supplement touted to "slow down aging."It includes 12 different ingredients, including a microdose of lithium and AKG, a popular longevity booster thought to improve muscle health and wound healing.Clark started taking NOVOS Core during a particularly stressful time in her life. She said she was shocked when, after about six months on the product, her pace of aging was reduced by 8%, according to TruDiagnostic tests. It's made her a believer in the product, and for the past several months she's been earning a 10% commission from Novos through an affiliate link on her website.<ul><li>Prescription compounded hormone replacement therapy, for menopause: $50</li></ul><a target="_blank" href="https://jamanetwork.com/journals/jamanetworkopen/fullarticle/2822953">Recent evidence</a> suggests hormone therapy can improve biological aging in postmenopausal women.<ul><li>Vitamin D3 and K2: $4</li></ul>This is a combination supplement. Some research suggests <a target="_blank" href="https://www.businessinsider.com/vitamin-d-calcium-supplements-good-for-aging-reduce-cancer-risk-study-2024-3">vitamin D supplementation (plus calcium</a>) may be linked to fewer cancer deaths in women.<ul><li>Magnesium taurate and magnesium glycinate: $7 and $9</li></ul>Magnesium deficiency is common. Experts say roughly half of the US may not get enough in their diet. <a target="_blank" href="https://www.businessinsider.com/why-salad-greens-are-good-for-brain-health-aging-2024-7">Leafy greens</a> like spinach and kale are a great way to get more.<ul><li>Vitamin B complex: $9</li></ul>B vitamins help our body extract and produce energy from foods we eat.<ul><li>Omega-3: $23</li></ul>Omega-3 is an essential fatty acid that the body can't make on its own, so people need to get it from food or supplements. It supports brain health.

A 56-year-old recruiter sets aside $12 a day for her longevity routine to slow aging. Here's how she spends it.

I'm used to interviewees logging onto Zoom everywhere from gyms to cars. But it was a first when Bear Grylls joined our call while hiking in rugged, rural north Wales where he lives. I shouldn't have been surprised. Only seeing him abseil down a mountain with his phone in one hand would have made the set-up any more classic "Bear Grylls."It's been almost two decades since Grylls, 50, became synonymous with such white-knuckle adventure. The son of a politician who attended <a target="_blank" class="" href="https://www.businessinsider.com/eton-college-exclusive-boarding-school-boris-johnson-prince-william-photos-2019-7">Eton College, the British boarding school</a> favored by the royal family, Grylls quickly decided that the white-collar life wasn't for him. After joining the elite Special Air Service (comparable to Delta Force in the US) reserves and serving in the military for three years, Grylls carved out a reputation as an adventurer, including becoming one of the youngest people to scale Mount Everest in 1998.All this primed Grylls to become the world's most famous survivalist. By 2014, he had enough star power to convince Barack Obama to chow down on bloody salmon in the Alaskan wilderness and Zac Efron to sleep in an Appalachian cave on his show "<a target="_blank" class="" href="https://www.businessinsider.com/barack-obamas-taster-on-running-wild-with-bear-grylls-2015-12">Running Wild with Bear Grylls</a>."<div type="image" title="Bear Grylls and Barack Obama on a mountainside." height="683" width="1024" msid="113347160" hostid="261" sizebytes="97504"></div>But there's another side to Grylls: the father of three trying to live as normal and healthy a life as possible while juggling a career spanning TV, books, and speaking events. Well, as normal as you'd imagine for Bear Grylls.In the first installment of Business Insider's new "5 to 9" series, where celebrities and high-flyers share how they spend the hours they're not working, Grylls explained how he keeps fit, <a target="_blank" class="" href="https://www.businessinsider.com/bear-grylls-said-embarrassed-he-used-to-be-vegan-2023-5">what he eats</a>, and how he recharges.As Grylls told me, "That forms a foundation of everything else, doesn't it?"<h2>Weight-lifting and outdoor walks each morning</h2><div type="image" title="Bear Grylls against a backdrop of mountains." height="5504" width="8256" msid="113347158" hostid="261" sizebytes="1303150"></div>I imagine every day is different, but how do you typically start the day?I always have a big glass of <a target="_blank" href="https://www.businessinsider.com/why-jack-dorsey-drinks-salt-juice-every-morning-2019-5">salted water</a> in the morning, just a pinch of good sea salt and water.Then wherever I am in the world, whatever I'm doing, whether we're filming or just at home, I get up and I resist the urge just to go on my phone. I try to just get outside. If I'm at home, I'll take the dogs — here up in North Wales, it's often windy and rainy — but I just try to get out and walk for 10 minutes, nothing crazy, just to get outside. I always try to <a target="_blank" class="" href="https://www.businessinsider.com/tiktok-barefoot-influencers-interview-lifestyle-safety-concerns-2023-1">go barefoot</a> as well, even in the winter — unless it's zero degrees, in which case it really hurts.I use that time to say my <a target="_blank" href="https://www.businessinsider.com/102-year-old-tiktoker-shares-the-secrets-of-her-longevity-2023-9">morning prayers</a>, which I like to do when I'm walking. I like to try and start the day right — call it meditation, whatever, but it's just thinking about the day ahead, saying sorry for the many mistakes, asking for help for the day, and being grateful.Do you work out in the morning?After my morning walk, I stretch and do a workout for about half an hour, outside if possible. I used to do weekly yoga and then I started to dread it because I found it boring, so then I decided it was easier to do 10 or 15 minutes every morning instead of one massive session a week.I do a quite high-intensity <a target="_blank" href="https://www.businessinsider.com/strength-training-better-cardio-burning-fat-2023-10">weight-lifting</a> workout, but again, nothing too crazy. I don't want it to be vomit-inducing until you dread it. I've had so much of that in my life, so I go short and sharp, but definitely weights-based.The first 15 minutes of every workout is the same: 25 pull-ups, 50 press-ups, 75 squats, and 100 sit-ups. I've done it for years and it took me about three years to be able to get to do all of those in one go. But now I'm there, I actually <a target="_blank" href="https://www.businessinsider.com/rucking-buzzy-workout-busy-fit-efficient-daily-walk-challenging-2024-7">add a weighted vest</a>. So I start the same way and then just do a 15-minute weights circuit.<h2>Cold plunges to train the mind</h2><div type="image" title="Bear Grylls saluting in an army uniform." height="683" width="1024" msid="113347154" hostid="261" sizebytes="35182"></div>Is that when you're done and ready for work?Not quite. The final thing I do in the morning is <a target="_blank" href="https://www.businessinsider.com/start-day-cold-plunge-reduce-grogginess-stress-mental-sharpness-2023-4">get cold</a>. Whether it's a cold shower, whether it's five or 10 minutes in the sea… we have a little river nearby so I'll jump in that.Every day of the year, I try and get cold just for three minutes: I think that shocks the system, keeps you honest. I've done this for years, long before it was trendy to do <a target="_blank" href="https://www.businessinsider.com/cold-water-swimming-booming-during-pandemic-risks-benefits-winter-bathing-2021-2">cold water swimming</a>.The only thing that puts me off cold water nowadays is that everyone's doing it.For me this goes all the way back to SAS selection — but whenever we're getting really tough physically, I just remember this guy always used to say with a smile on his face, "This is now good mental training."And I think you can't just wait for crisis times in your life to deliver on mental strength. You've got to train it. And the cold water is your way of doing that?Yes. There's nowhere to hide and it actually doesn't really get easier. So therefore it's a bit of a discipline, isn't it? Nobody really likes the idea of discipline, but I think it's important to have a few things in your day that are not massive but are enough to keep you honest.It is hard, but once you're in, it's three minutes. You can do anything for three minutes. But actually it's amazing how many people decide to join me, and they literally can't. They have to get out after 10 seconds.That's your subconscious telling you, "Get out, this is dangerous." But actually, you can override that.If we sit in our comfort zone all the time, we rot. It's like stagnant water in a jungle, in a stream. If it's dammed up, it starts to stink. You've got to get out of that comfort pit and do little challenging things, and then when the crisis times come in your life, you're strong.So, did your time in the military play a big role in developing that mindset?There's a great phrase carved in wood at the training center in the barracks where all the Royal Marines go that says: "Comfortable with uncertainty." I never used to understand that.But actually, it is key to life. Things happen. Life hits you sideways. If you're not ready for change and you're not familiar with uncertainty, you get run over in life.<h2>Eating like our ancestors</h2><div type="image" title="Bear Grylls stands in the wilderness." height="4128" width="5504" msid="113347153" hostid="261" sizebytes="1547060"></div>Tell us about your eating habits.I eat two meals a day, so I have an early lunch and an early supper.I aim to eat really naturally, <a target="_blank" href="https://www.businessinsider.com/real-paleo-diet-plants-little-meat-study-early-human-remains-2024-1">how our ancestors ate</a> 5,000 or 10,000 years ago. I have a lot of grass-fed, good red meat, I'm definitely not scared of blood and red meat.I have a <a target="_blank" class="" href="https://www.businessinsider.com/surprising-benefits-of-eating-eggs">lot of eggs</a>. It's pretty obvious that an egg is a totally complete survival food. The yolk is beautiful, the richest part, just packed full of nutrients. All this stuff we've heard for years about egg yolks being bad and meat being bad, I get more and more skeptical of it. If I just look at it with fresh eyes, it's like, of course this is a natural, beautiful food that we're designed to thrive on. So I avoid the <a target="_blank" class="" href="https://www.businessinsider.com/some-ultra-processed-foods-may-be-healthier-than-homemade-scientist-2024-6">processed stuff</a> like pasta and cheap bread — that to me just feels a bit more like cardboard — and the crappy sugars as well. But I have a lot of honey and a lot of fruit. I have veggies in real moderation.I try and find good Greek yogurt and I just avoid all those crappy oils — I make my own mayonnaise with eggs, olive oil, and sea salt.And if I want something sweet after a meal, I have a couple of DIRTEA mushroom gummies [Grylls is an investor and partner in the functional mushroom brand].<h2>Winding down with 'insanely good' hot chocolate</h2><div type="image" title="Bear Grylls speaks to his wife Shara at Wimbledon." height="683" width="1024" msid="113347156" hostid="261" sizebytes="56306"></div>Who's the main cook in your household?Probably me. We all do our bit, but I quite like cooking. But our three boys are obsessed with cooking — not fancy stuff, but they're always fighting to get the frying pan to cook a massive T-bone steak.We also make some really good healing mushroom cacao hot chocolates with raw milk and honey, and it's just insanely good.If you get home at a reasonable hour, talk me through your ideal evening. Do you have a strict wind-down routine?Well we eat early and maybe go on a little walk afterward, just five or 10 minutes. Then I'll hang out with my wife Shara and watch a bit of telly, but she also really loves her reading. I'm quite partial to an early night. But we do like eating out actually too.I'm really lucky, I sleep really well. I know I must never take that for granted. I'm always a bit envious of people who only need three hours' sleep a night. But whenever I meet those people, they hate it. I definitely try and get a good eight-hour sleep.This interview has been edited and condensed for clarity.

How Bear Grylls spends his 5 to 9 — from walking barefoot outdoors to cold plunges  

Establishing <keyword id="854610" type="General" weightage="20" keywordseo="healthy-eating-habits" source="Orion">healthy eating habits</keyword> in the morning is crucial for maintaining energy levels, productivity, and overall well-being throughout the day, especially for those who spend long hours at the office. Despite busy schedules, incorporating <keyword id="2173224" type="General" weightage="20" keywordseo="nutritious-foods" source="Orion">nutritious foods</keyword> into your morning routine can set a positive tone for the rest of the day. Here are some essential <keyword id="20657035" type="General" weightage="100" keywordseo="Morning-eating-habits" source="Orion">morning eating habits</keyword> every office goer should follow: Start with <keyword id="19956652" type="General" weightage="20" keywordseo="hydration" source="keywords">Hydration</keyword>: Before diving into breakfast, it's essential to rehydrate your body after a night's sleep. Drinking a glass of water as soon as you wake up helps kickstart your metabolism, flush out toxins, and rehydrate your body after hours of fasting. Consider adding a slice of lemon for an extra boost of vitamin C and flavor. Eat <keyword id="20657034" type="General" weightage="20" keywordseo="a-balanced-breakfast" source="keywords">a Balanced Breakfast</keyword>: A balanced breakfast should include a combination of carbohydrates, <keyword id="24300" type="General" weightage="20" keywordseo="Protein" source="Orion">protein</keyword>, and healthy fats to provide sustained energy and keep you feeling full until your next meal. Opt for whole-grain cereals or oatmeal topped with nuts or seeds for protein and healthy fats. Incorporate fruits like berries or bananas for added vitamins and antioxidants. Don't Skip Protein: Protein is essential for muscle repair and growth, as well as keeping you feeling satisfied throughout the morning. Include a good source of protein in your breakfast, such as eggs, Greek yogurt, tofu, or lean meats like turkey or chicken sausage. Vegetarians can opt for options like lentils, chickpeas, or nut butter. <keyword id="165753" type="General" weightage="20" keywordseo="Fiber" source="Orion">Fiber</keyword> is Your Friend: Fiber aids in digestion, helps regulate blood sugar levels, and promotes a feeling of fullness. Choose high-fiber foods like whole grains, fruits, vegetables, and nuts to support <keyword id="679444" type="General" weightage="20" keywordseo="digestive-health" source="Orion">digestive health</keyword> and keep you feeling satisfied until lunchtime. Mind Your Portions: While it's essential to eat a balanced breakfast, it's also crucial to be mindful of portion sizes. Overeating, even healthy foods, can lead to feeling sluggish and lethargic. Pay attention to serving sizes and listen to your body's hunger cues to avoid overeating. Prepare in Advance: Mornings can be hectic, especially when trying to get ready for work. To streamline your breakfast routine, consider preparing some items in advance. Overnight oats, smoothie packs, or pre-cut fruits and vegetables can save you time and ensure you have a <keyword id="3009335" type="General" weightage="20" keywordseo="nutritious-breakfast" source="Orion">nutritious breakfast</keyword> ready to go. Avoid Sugary Foods and Beverages: While it may be tempting to reach for sugary cereals or pastries for a quick energy boost, these foods can cause blood sugar spikes followed by crashes, leaving you feeling tired and irritable. Instead, opt for whole foods with natural sugars like fruits or small amounts of honey or maple syrup for sweetness. Listen to Your Body: Above all, listen to your body and adjust your morning eating habits accordingly. Everyone's nutritional needs and preferences are different, so experiment with different foods and meal timings to find what works best for you. Starting your day with healthy eating habits sets the foundation for a productive and energized day at the office. By prioritizing hydration, balanced meals, and mindful eating, office goers can fuel their bodies effectively and maintain optimal performance throughout the day. Incorporating these morning eating habits into your routine can lead to long-term benefits for both physical and mental well-being. Note: The article is based on content generated by AI models like Bard and Chatgpt.

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