1. Small Steps to Health and Wealth January 16, 2015

2. ELEVATOR STATEMENT Small Steps to Health and Wealth™ encourages participants to make positive behavior changes to simultaneously improve their health and personal finances.

3. Small Steps to Health and Wealth Program designed to motivate participants to improve health and finances Encourages participants to set a health goal and/or a wealth goal and take action (small steps) to achieve the goal

6. 6 How is Your Wellness & Quality of Life? 2

7. SSHW Program Components 1.SSHW Online Challenge 2.25 Days to Health and Wealth 3.Traditional SSHW Program 4.Building Healthy Wealthy Future – Youth 5.Small Steps to Health and Wealth for Older Adults

8. SSHW Online Challenge What is it? How does it work? How do you get started? What are the outcomes?

9. SSHW Online Challenges Measures - Health 1.Ate at least four cups of fruits and vegetables 2.Exercised at least 30 minutes 3.Drank water or unsweetened beverages instead of sugar-sweetened beverages 4.Tracked 10,000 (or more) steps by walking with a pedometer 5.Learned something new related to health and/or nutrition

10. SSHW Online Challenges Measures - Wealth 1.Saved $1 bill (or more) and/or loose change in a can or jar. 2.Invested $5 (or more) including automatic deposits (ex. 401(k)s). 3.Tracked money spent throughout the day 4.Ate lunch prepared at home instead of at a deli or restaurant. 5.Learned something new related to personal finance.

11. SSHW Online Challenge Outcomes Total participant outcomes include: Consuming at least 17,376 cups of fruits and vegetables Tacking 17,680,000 steps or 8,840 miles with a pedometer. Saving more than $3,719 in loose change. Applying $12,175 toward investments, debt reduction, or an emergency fund. Tracking daily expenditures was reported 4,499 times. Preparing 4,179 lunches at home, saving approx. $20,895. * Based on 471 participants as of December 2014

12. 25 Days to Health and Wealth 2-Hour Program Addresses the 25 behavior change strategies that can be used to simultaneously improve your health and personal finances Participants are led through a discussion of each strategy and encouraged to select 3 or 4 strategies to implement as part of a personal action plan Provide participants with a copy of the Small Steps to Health and Wealth Book

13. 13 25 Days to Health and Wealth Program Objectives Integrate health/nutrition and personal finance subject matter into one class Explore common behavior change strategies Motivate participants to improve their health and wealth

14. 14 SSHW™ Framework: 25 Health & Wealth Behavior Change Strategies Track Your Current Behavior Unload Your Childhood Baggage Put Your Mind To It Commit to Making a Change Defy Someone or Defy the Odds Think Balance-Not Sacrifice Control Your Destiny Make Progress Every Day Get Help and Be Accountable Meet Yourself Halfway Say “No” to Supersizing Convert Consumption Into Labor Compare Yourself With Benchmarks Use Easy Frames of Reference Automate Good Habits and Create Templates Live “The Power of 10” Take Calculated Risks and Conquer Fears Appreciate Teachable Moments and Wake-Up Calls Weigh the Costs and Benefits of Changing Step Down to Change Kick It Up a Notch Control Your Environment Monitor Your Progress & Reward Success Expect Obstacles & Prepare For Relapses Set a Date & Get Started…Just Do It!

15. 15 Each Strategy Has a Personalized Worksheet Examples: Food and activity/Income and expense Logs Visualization and positive self talk exercises Defiance worksheets for health and wealth Energy balance and money balance worksheets Converting calories and spending into labor

16. 16 “The Jersey Diner Approach” Adopt strategies that work for you Choose 3 to 4 (max) strategies

17. Traditional SSHW Program Main Sections – A discussion between the 20 similarities between health and personal finance issues – 10 suggested behavior change strategies that can be applied to either area of life – The impact of health on finances and finances on health – Discussion of seven key health and wealth success factors: attitude, automation, awareness/knowledge, control, environment, goals, and time

18. SSHW Materials Needs 38 PowerPoint Slides Wellness Wheel Handout Small Steps to Health and Wealth Planning Worksheet

19. SSHW Lesson Plans 1.Where am I now? 2.Making the decision to take control 3.The path to change 4.Finding support, including yourself 5.Rules to live by 6.Making change measurable 7.Process of change, part two 8.Placing value on your goal 9.Debriefing http://njaes.rutgers.edu/sshw/internal/

21. Designed as the youth component to the Small Steps to Health and Wealth Program Target Audience: 6 th to 8 th grades Focus Areas: Personal Finance, Health Education, Leadership Development, Life Skills Program Components – School Based Student Activity – series of learning lessons offering a variety of activities, which can be tailored to reflect intended learning objectives, time requirements, and available materials. – Parent/Child Activity – series of Extension publications designed to encourage parent/child communications about positive financial and health behaviors. BHWF Program Design

22. Introduce positive financial and health behaviors to adolescents Provide students with positive messages in regard to financial and health behaviors Assist adolescents in understanding the relationship between personal behaviors and health and financial success Curriculum Objectives

23. Designed as a 6-week series of Learning Lessons. Instructors choose the activities that reflect their learning objectives, time requirements, and available materials. To help students integrate the Learning Lessons into their everyday lives, there is a follow-up Take a Small Step section, which incorporates a series of snack, financial, and physical activity breaks. Building a Healthy Wealthy Future Leader’s Guide

24. Introduction: Taking Your First Step Lesson 1: Establish Your Baseline Lesson 2: Getting the Right Message Lesson 3: Making a Plan for the Future Lesson 4: Getting the Most Out of Life Lesson 5: Be a Rebel Take a Small Step Snack Breaks Take a Small Step Finance Breaks Take a Small Step Physical Activity Breaks Building a Healthy Wealthy Future Leader’s Guide

25. Building a Healthy Wealthy Future Leader’s Guide - Layout

27. Availability? University of Kentucky Master Publication List - http://www.ca.uky.edu/hes/index.php?p=206 http://www.ca.uky.edu/hes/index.php?p=206 Small Steps to Health and Wealth Internal Webpage - http://njaes.rutgers.edu/sshw/internal/ http://njaes.rutgers.edu/sshw/internal/

28. SSHW for Older Adults Designed as a series of lessons that incorporates a variety of positive behavior change strategies and activities 20 to 30 minutes per lesson

29. SSHW for Older Adults Lesson topics: Living on a shoestring – Topics: how to build a frugal, nutritious freezer and pantry, drinking water, increasing brain power, decreasing medical expenses Understanding labels – Topics: Meaning of organic vs. all-natural, savings tips for buying organic food, credit card terminology. Your frames of reference – Topics: strategies for setting activity goals and caloric goals, food measurement aides, decreasing spending, and increasing revenue and savings. Stretching your body and your money – Topics: strategies for increasing physical activity and creating a spending plan

30. SSHW for Older Adults Lesson topics: Avoiding fraud and scams – Topics: the top ten scams targeting seniors; health fraud; red flags and recognizing scams; funeral and cemetery fraud; telemarketing scams; identity theft; charity scams; ATM machines; “senior” specialists and advisors; investment fraud, including tips to avoiding investment fraud; and reporting scams. Taking the drivers seat – Topics: consumers will learn the importance of communicating effectively with their health care provider and being an educated patient. Staying awake – Topics: being engaged in your life, being active in your health, preventive health care including health screenings, and being aware of your financial milestones.

31. SSHW for Older Adults Program Materials Facilitators Guide PowerPoint Availability: http://njaes.rutgers.edu/sshw/internal/