Related but quite different to our occupational wellness is our next topic of financial wellness.

Financial well-being isn't just about people's financial situation. It about having enough money to meet expenses, but also about having spare cash to make choices, feeling in control of your financial situation, and whether or not you worry about money. I will use the following graphic as the basis of my discussion today.

Financial resilience is the "root system" of financial wellness and it is what enables us to grow our financial wellness.

Financial capability is the combination of attitude, knowledge, skills, and self-efficacy needed to make and exercise money management decisions that best fit the circumstances of ones life, within an enabling environment that includes, but is not limited to, access to appropriate financial services. Put in simple terms it means not only what you know but to also have the willingness, confidence and opportunity to act.

What do you think with the heading financial wellness. means to you