5 Work-Life Balance Non-Negotiables That Will Save Your Sanity — and Your Wealth
Written by
Laura Bogart
Edited by
Kristen Mae
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In one of the most iconic moments of “The Simpsons,” Homer stares at his work console to find photos of baby Maggie plastered all over it, along with a simple mantra: “Do it for her.”
While you’re probably a much harder worker than Homer Simpson, you still have the people, pets and goals you support. And sometimes, you’re prone to overworking. You forget that you have to do certain things for yourself, like achieving better work-life balance.
In the time you’ve spent giving all of your energy to your job, you may have neglected things like taking a walk, laughing with a friend or refining your financial plans — things that will make your life materially better. While you can’t always control your workload, you can treat work-life balance as non-negotiable by adopting these five habits.
Your heart, soul and wallet will thank you.
1. Set Boundaries Instead of Carrying It All
Remember the myth of Atlas, the titan forced to carry the entire world on his shoulders? Before you joke that it’s no myth — that it’s your daily life at work — just know that he doesn’t have to be your role model. If you’ve become the default go-to person for, well, everything on your team, you may need to take a step back and re-arrange your priorities.
When you continually volunteer to take things on, others will take you up on it. You fall into a pattern, resentment builds, and burnout starts to creep in. Over time, you could become so overwhelmed that you leave your job, even if it means accepting less pay.
Instead of letting it reach that point, set boundaries and claim your time. Start by setting up clear expectations for what you will and won’t take on for each project. And yes, hard as it is, you should stop responding to work messages outside office hours.
2. Prioritize Self-Improvement Beyond Work
Whether it’s taking a long walk after work, plugging into your favorite meditation app or enjoying a movie, you’re better equipped to enjoy life and succeed at work if you’re doing things that boost your mood and your mind.
Cultivating your hobbies and self-care outside of the office will improve your physical and mental health — and can also spark financial growth. With the time and intellectual bandwidth you’ve regained by setting boundaries, you could meet with a financial advisor to map out money goals, like investing for retirement or setting up an estate plan.
3. Learn Skills That Improve Life, Not Just Work
Like any dedicated employee, you’ve spent a lot of your personal time brushing up on job-related skills — finishing LinkedIn Learning modules, watching expert videos and earning certifications. While these efforts aren’t necessarily wasted, they shouldn’t be the only kind of growth you pursue. Real work-life balance means investing in yourself in ways that go beyond your career.
That could mean learning to cook a few nourishing meals, finally taking a photography class or picking up a new language before your next big trip. These types of skills expand your world, boost your confidence and bring joy and fulfillment into your daily routine.
Of course, personal growth can include money matters too, but it doesn’t have to feel like work. If you’ve been curious about how to make your money stretch further or how to protect your future, explore financial topics that support your overall life goals, like planning a sabbatical, budgeting for a creative pursuit, or setting up a simple estate plan for peace of mind.
4. Protect Your Mental Health To Avoid Overspending
You’re not just burned out — you’re crispy fried. So tired, in fact, that you’re hitting the drive-thru again even though your fridge is stocked. And once you’re home, scrolling aimlessly on your phone, that impulse buy becomes the one bright spot in your day.
When work feels like it’s sucking the life force out of you, you’re more vulnerable to emotional overspending. Rather than let it wreck your mood and your bank account, talk to a trusted friend or counselor about how you’re feeling. Many employers offer Employee Assistance Programs (EAPs) that can connect workers to counseling or therapy services. You can also check your health insurance benefits to find a therapist in-network.
5. Use Company Benefits to Your Advantage
To paraphrase JFK: Ask not what you can do for your company — ask what your company can do for you. That starts with using your paid time off. If you’ve been banking PTO, take a real vacation. If your company has a “use it or lose it” policy, make sure you’re not leaving money (or rest) on the table. And if you’re owed any money for past unused PTO days, make sure you get your payout.
And while you’re scheduling your overdue vacation, set up a health savings account (HSA) if your employer offers one, and check whether you’re eligible for wellness stipends or reimbursements. These can help offset costs for gym memberships, mental health apps or even massages.
And don’t forget: someday, you’ll retire. Make those golden years that much brighter by taking advantage of your company’s 401(k) match — it’s basically free money for your future.
Bottom Line
Taking care of yourself helps you thrive — physically, mentally and financially. When you treat work-life balance as a priority instead of a luxury, you’ll uncover benefits that extend far beyond the office.
Looking to build a legacy? Check out our Life to Legacy guide for expert advice and smart moves you can make today.
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