How Much Do Financial Decline & Cognitive Decline Go Hand In Hand?

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That financial health and physical health are intertwined is a sad fact of our society, but how does it go for cognitive health?

Well, first of all, the brain is also an organ, and so is the heart that feeds it, and so are the lungs that supply the blood with oxygen, and so is the gut that… You get the idea. There is no cognitive health without physical health.

But we can also look at cognitive health somewhat in isolation, if we use clever statistical modelling to control for physical health factors that might be adversely affecting cognitive health.

So, what’s the answer?

When your bank balance is something you’d rather not remember…

Researchers (Dr. Katrina Kezios et al.) did exactly that kind of modelling, analyzing data from 7,676 participants in the Health and Retirement Study between 2010–2020, tracking financial well-being and memory over time.

  • How financial well-being was measured: an eight-item index measured both psychosocial strain (stress, dissatisfaction) and material hardship (difficulty paying bills, low income, limited access to necessities)
  • How cognitive decline was measured: direct memory assessments (immediate and delayed 10-word recall tasks) and, for those too cognitively impaired to complete direct assessments, proxy assessments of memory function (proxy’s assessment of participants’ memory performance on a 5-point Likert scale and the 16-item Jorm Informant Questionnaire for Cognitive Decline) were used to generate a composite memory score.

What Dr. Kezios and her team found is that worsening financial well-being is linked to poorer memory and faster cognitive decline in adults aged 50+.

How bad is it? In few words, people with significant financial deterioration experienced memory decline comparable to about 5 extra months of aging per year.

And importantly, this was dynamic in nature and a one-way slope: declines in financial well-being were consistently linked to worse memory, but improvements in finances didn’t reliably lead to cognitive gains (in essence, you can’t buy more cognitive function, but you can lose it if your finances are poor).

Why does this happen? There are several possibilities, for example study co-author Dr. Adina Zeki Al Hazzouri hypothesized that prolonged financial strain may overload your mental bandwidth, contributing to cognitive decline. Additionally, the paper notes that chronic stress, reduced access to healthcare and nutrition, and less social engagement may all mediate* the relationship between finances and brain health.

*mediate, in this context, = provide the mechanism of action for, actively facilitate such that it happens, without necessary nailing their colors to the mast of outright declaring it causal (because the scientists acknowledge there could be unknown additional factors at hand, much like how yeast will in technical terms “mediate” bread rising, but it won’t “cause” a thing without the temperature being right)

You can read the paper in full, here: Katrina L Kezios et al, Changes in financial well-being and memory function and decline in middle-aged and older adults ← if you want to read more than just the abstract, you just need to click on the PDF icon!

This is consistent, by the way, with the impact of systemic stress on heart health, which we wrote about here: Heart Health vs Systemic Stress

…and you’ll recall that “what’s good for your heart is good for your brain“, so, do note that the inverse is also true (what’s bad for your heart is bad for your brain)!

See also: What’s Your Vascular Dementia Risk? ← includes actual numbers and a risk calculator tool and things like that 😎

Want to learn more?

You might like this book that we reviewed a while ago:

Growing Young – by Marta Zaraska ← discusses the social factors involved in healthy aging

Take care!

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  • Why Your Brain Blinds You For 2 Hours Every Day

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    …and then covers its tracks so that you don’t notice:

    Now you see it…

    The world you experience is not an accurate representation of reality. Your brain actively constructs your perception, editing your memories as they happen and manipulating your sense of time. What you perceive as the present moment is actually a processed and reconstructed version of past events.

    Nor is your vision anywhere near as detailed as it seems. Only a small central portion is in high resolution, while the rest is blurry. Your brain compensates for this by filling in the gaps with its best guess and/or what it believes is there from the last time you saw it. Your eyes constantly make rapid movements called saccades, and during these (i.e. when your eyes are moving), your vision momentarily shuts down—making you effectively blind for (in total, if we add them all up) about two hours every day (according to this video, anyway; our calculations find it to be more than that, but you get the idea). Your brain stitches together the visual input, creating a seamless experience that feels continuous (much like an animation reel composed of still images).

    Why does it do this?

    It’s because your senses operate at different speeds—light reaches your eyes in nanoseconds, sound in milliseconds, and touch signals in tens of milliseconds. However, your brain processes these inputs together, creating the illusion of a smooth and simultaneous experience. In reality, what you perceive as the present is actually a delayed and selectively edited version of the past.

    Instead of showing you the world as it is, your brain predicts what will happen next. In high-speed situations, such as playing table tennis, if your brain relied on past sensory data, you wouldn’t react in time. Instead, it estimates an object’s future position and presents that prediction as your visual reality.

    This also means that because your brain effectively sees things slightly sooner than you do, your brain has already prepared multiple possible responses and when an event occurs, it quickly selects the most likely course of action, deleting the alternatives before you are even aware of them. By the time you think you’ve made a decision, your body has already acted.

    This goes for more than just the things we think of as requiring quick reactions!

    Walking is a complex task that involves multiple time layers—your brain processes past feedback, assesses your current state, and predicts future movements. That’s why it was something that cyberneticists found difficult to recreate for a very long time. If something unexpected happens, like slipping cartoon-style on a banana peel, your body reacts before you consciously notice the danger. Your spinal cord and brainstem trigger emergency reflexes to stabilize you before your conscious mind even catches up.

    For more on all of this, enjoy:

    Click Here If The Embedded Video Doesn’t Load Automatically!

    Want to learn more?

    You might also like:

    This Main Feature Should Take You Two Minutes (and 18 Seconds) To Read ← There’s a problem nobody wants to talk about when it comes to speed-reading; can you guess what it is based on what we just talked about above?

    Take care!

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  • Sciatica Differs By Age, So How To Fix It Is Different Too!

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    Over-50s specialist Will Harlow shows us how:

    The backbone of good health

    And no, it’s not just a case of “older = worse”!

    The truth is, it’s not just quantitively different, it’s qualitatively different too.

    First relevant difference: people aged 30–50 most commonly have sciatica from a bulging or herniated disc—estimated at about 90% in that group—whereas people over 70 are more likely to have degenerative discs, arthritis, or spinal stenosis.

    Second relevant difference: disk hydration changes with age, so younger discs (which contain more water) can bulge further when injured, while discs over the age of 60–70 tend to dry out, thin, and stiffen, making large bulges less common. However, thinner discs and arthritic facet joints reduce space around spinal nerves, increasing the likelihood of nerve irritation.

    So, do you see why advice that’s correct in midlife might be the opposite of what’s needed in later life?

    Exercises designed for a well-hydrated bulging disc in younger adults can actively aggravate stenosis or arthritis in older adults!

    So instead, in the 60+ age range, the goal is to gently mobilize the lower back into flexion, improve blood flow, reduce stiffness, and strengthen supportive muscles without provoking symptoms.

    Here are some ways to do that:

    • Knee rolls: lie on your back with your knees bent and gently move both knees side to side, to create rhythmic lumbar movement rather than long holds.
    • Single or double knee hug: draw one knee towards your chest—or both knees if you comfortably can—to encourage gentle lumbar flexion while keeping your head and shoulders relaxed.
    • Side-lying hip strengthening: lift your top knee while keeping your feet together and your pelvis steady to activate your gluteal muscles, which support your lower back and reduce strain.
    • Seated flexion stretch: sit on a firm chair, slide your hands down your legs, and bend forwards briefly to open the spaces in your lower spine, which is especially good for alleviating stenosis-related symptoms.

    Lastly, a note on safety: do avoid any movement that increases pain, and get assessed by a local physio if unsure.

    For more on all of this plus visual demonstrations, enjoy:

    Click Here If The Embedded Video Doesn’t Load Automatically!

    Want to learn more?

    You might also like:

    True Sciatica Or Phantom Sciatica? Know The Difference (& What To Do)

    Take care!

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  • Figs vs Starfruit – Which is Healthier?

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    Our Verdict

    When comparing figs to starfruit, we picked the figs.

    Why?

    In terms of macros, figs have more fiber and carbs and, for what it’s worth which isn’t much because the numbers are tiny, starfruit has more protein, technically. Still, this one adds up to a first-round win for figs.

    In the category of vitamins, figs have more of vitamins A, B1, B2, B3, B6, B7, and K, while starfruit has more of vitamins B5, B9, C, and E, yielding a 7:4 win to figs here.

    Looking at minerals, figs have more calcium, iron, magnesium, manganese, phosphorus, potassium, and zinc, while starfruit has more copper and selenium, allowing figs to win this one by a tidy margin as well.

    In other considerations, figs also have more polyphenols, so that’s another point in their favor.

    Adding up the sections makes for a clear overall win for figs, but by all means do enjoy either or both, as diversity is best!

    Want to learn more?

    You might like:

    What’s Your Plant Diversity Score?

    Enjoy!

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  • Vegetable Gardening for Beginners – by Patricia Bohn

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    Gardens are places of relaxation, but what if it could be that and more? We all know that home-grown is best… But how?

    Patricia Bohner takes us by the hand with a ground-up approach (so to speak) that assumes no prior gardening ability. Which, for some of us, is critical!

    After an initial chapter covering the “why” of vegetable gardening (which most readers will know already, but it’s inspiring), she looks at the most common barriers to vegetable gardening:

    • Time
    • Space
    • Skill issues
    • Landlord issues
    • Not enough sun

    (This reviewer would have liked to have an extra section: “lives in an ancient bog and the soil kills most things”, but that is a little like “space”. I should be using containers, with soil from elsewhere!)

    Anyway, after covering how to overcome each of those problems, it’s on to a chapter (of many sections) on “basic basics for beginners”. After this, we now know what our plants need and how we’re going to provide it, and what to do in what order. We’re all set up and ready to go!

    Now comes the fancy stuff. We’re talking not just containers, but options of raised beds, vertical gardening, hydroponics, and more. And, importantly, what plants go well in which options—followed up with an extensive array of how-tos for all the most popular edible gardening options.

    She finishes up with “not covered elsewhere” gardening tips, which even just alone would make the book a worthwhile read.

    In short, if you’ve a desire to grow vegetables but haven’t felt you’ve been able, this book will get you up and running faster than runner beans.

    Get your copy of Vegetable Gardening For Beginners from Amazon

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  • There’s Something Fishy About DHA vs Alzheimer’s

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    Omega-3 fatty acids have many benefits for the health, including for the brain!

    We wrote about some of them, here: What Omega-3 Fatty Acids Really Do For Us

    There are even some less well-known benefits, such as: Why Healthy Teeth May Depend On Omega-3 & Exercise

    Now, the press has not been all positive, for example: Fish Oil Can Backfire Without This Enzyme

    So, what about vs Alzheimer’s?

    There are two main things that fish oil is marketed for: joint health, and brain health.

    But, when it comes to reduction of Alzheimer’s risk, it seems the reality may not live up to the hype:

    Researchers (Dr. Sara Ghasem Pour et al.) tested whether high-dose fish oil supplementation could help prevent Alzheimer’s-related brain changes in older adults at elevated risk for dementia, particularly those with low omega-3 intake and many carrying the APOE ε4 genetic risk variant, and found…

    …when 365 adults aged 55–80 without dementia were randomly assigned to receive either 2 g/day of DHA (a major omega-3 fatty acid) or a placebo for 24 months,

    ❝despite higher brain DHA levels, participants taking DHA showed no improvement in memory, cognition, or other cognitive measures compared with the placebo group after two years❞

    Further, there were no structural changes, i.e. MRI scans found no significant differences in brain volume or hippocampal shrinkage between the DHA and placebo groups.

    And lastly, APOE ε4 status didn’t matter: the increase in brain DHA occurred regardless of whether participants carried the APOE ε4 gene, but neither carriers nor non-carriers experienced cognitive or brain-structure benefits.

    You can read the paper in full, here: CNS target engagement of high-dose DHA supplementation in older adults at risk for dementia: a randomised, double-blind, placebo-controlled trial

    Want to do better for your brain?

    You do have other options!

    For example, as well as the difference between EPA and DHA, there are also plant-based omega-3s that just have ALA (and not EPA or DHA) which the body can convert to whatever omega-3 form it needs (just like the fish did, for we too are animals that can do that, and for this reason our liver fats would, if healthy, also be a good source of EPA/DHA if something were to predate on us).

    For more on that, check out: Omega-3s: Different Sources, Different Benefits?

    …and if you just want to reduce your Alzheimer’s risk, then check out:

    Enjoy!

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  • When can my baby drink cow’s milk? It’s sooner than you think

    10almonds is reader-supported. We may, at no cost to you, receive a portion of sales if you purchase a product through a link in this article.

    Parents are often faced with well-meaning opinions and conflicting advice about what to feed their babies.

    The latest guidance from the World Health Organization (WHO) recommends formula-fed babies can switch to cow’s milk from six months. Australian advice says parents should wait until 12 months. No wonder some parents, and the health professionals who advise them, are confused.

    So what do parents need to know about the latest advice? And when is cow’s milk an option?

    What’s the updated advice?

    Last year, the WHO updated its global feeding guideline for children under two years old. This included recommending babies who are partially or totally formula fed can have whole animal milks (for example, full-fat cow’s milk) from six months.

    This recommendation was made after a systematic review of research by WHO comparing the growth, health and development of babies fed infant formula from six months of age with those fed pasteurised or boiled animal milks.

    The review found no evidence the growth and development of babies who were fed infant formula was any better than that of babies fed whole, fresh animal milks.

    The review did find an increase in iron deficiency anaemia in babies fed fresh animal milk. However, WHO noted this could be prevented by giving babies iron-rich solid foods daily from six months.

    On the strength of the available evidence, the WHO recommended babies fed infant formula, alone or in addition to breastmilk, can be fed animal milk or infant formula from six months of age.

    The WHO said that animal milks fed to infants could include pasteurised full-fat fresh milk, reconstituted evaporated milk, fermented milk or yoghurt. But this should not include flavoured or sweetened milk, condensed milk or skim milk.

    3L plastic bottles of milk
    If you’re choosing cow’s milk for your baby, make sure it’s whole milk rather than skim milk. Mr Adi/Shutterstock

    Why is this controversial?

    Australian government guidelines recommend “cow’s milk should not be given as the main drink to infants under 12 months”. This seems to conflict with the updated WHO advice. However, WHO’s advice is targeted at governments and health authorities rather than directly at parents.

    The Australian dietary guidelines are under review and the latest WHO advice is expected to inform that process.

    OK, so how about iron?

    Iron is an essential nutrient for everyone but it is particularly important for babies as it is vital for growth and brain development. Babies’ bodies usually store enough iron during the final few weeks of pregnancy to last until they are at least six months of age. However, if babies are born early (prematurely), if their umbilical cords are clamped too quickly or their mothers are anaemic during pregnancy, their iron stores may be reduced.

    Cow’s milk is not a good source of iron. Most infant formula is made from cow’s milk and so has iron added. Breastmilk is also low in iron but much more of the iron in breastmilk is taken up by babies’ bodies than iron in cow’s milk.

    Babies should not rely on milk (including infant formula) to supply iron after six months. So the latest WHO advice emphasises the importance of giving babies iron-rich solid foods from this age. These foods include:

    You may have heard that giving babies whole cow’s milk can cause allergies. In fact, whole cow’s milk is no more likely to cause allergies than infant formula based on cow’s milk.

    Lentil or pumpkin soup in a bowl with a smily face dolloped in cream or yoghurt
    If you’re introducing cow’s milk at six months, offer iron-rich foods too, such as meat or lentils. pamuk/Shutterstock

    What are my options?

    The latest WHO recommendation that formula-fed babies can switch to cow’s milk from six months could save you money. Infant formula can cost more than five times more than fresh milk (A$2.25-$8.30 a litre versus $1.50 a litre).

    For families who continue to use infant formula, it may be reassuring to know that if infant formula becomes hard to get due to a natural disaster or some other supply chain disruption fresh cow’s milk is fine to use from six months.

    It is also important to know what has not changed in the latest feeding advice. WHO still recommends infants have only breastmilk for their first six months and then continue breastfeeding for up to two years or more. It is also still the case that infants under six months who are not breastfed or who need extra milk should be fed infant formula. Toddler formula for children over 12 months is not recommended.

    All infant formula available in Australia must meet the same standard for nutritional composition and food safety. So, the cheapest infant formula is just as good as the most expensive.

    What’s the take-home message?

    The bottom line is your baby can safely switch from infant formula to fresh, full-fat cow’s milk from six months as part of a healthy diet with iron-rich foods. Likewise, cow’s milk can also be used to supplement or replace breastfeeding from six months, again alongside iron-rich foods.

    If you have questions about introducing solids your GP, child health nurse or dietitian can help. If you need support with breastfeeding or starting solids you can call the National Breastfeeding Helpline (1800 686 268) or a lactation consultant.

    Karleen Gribble, Adjunct Associate Professor, School of Nursing and Midwifery, Western Sydney University; Naomi Hull, PhD candidate, food security for infants and young children, University of Sydney, and Nina Jane Chad, Research Fellow, University of Sydney School of Public Health, University of Sydney

    This article is republished from The Conversation under a Creative Commons license. Read the original article.

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