Financial Health During COVID-19

When I first signed up to write a few words about being financially healthy, I had zero idea that we as a nation, heck as an entire world, would be facing the Coronavirus. Originally, I had visions of nerd-ing out on spreadsheet facts and various bits of wisdom I had retained from a multitude of financial books, workshops and experts in the field.  

Instead, I feel that we are being given the time to get down to the fundamentals of our financial health which we could sum up as the knowledge of basic math addition and subtraction.  

I am frequently asked how to define success, and most are shocked when I tell them that I can’t define that for them. Why, especially for me a very black/white, right/wrong, totally subjective person, should I be challenged by being able to define success. I have come to realize that the reason I cannot define it, is because, well, it’s subjective. There I said it, success is subjective!  You need to determine what success looks like for you and for your family. And sometimes that vision of success changes as our lives change.  

For me, success in my 20s and 30s was a detached single-family home, with an ocean view and a hard-top convertible BMW in my driveway and no debt other than my student loan for my master‘s degree and my mortgage payment. In my 30s and 40s, I “gave up” everything to marry my husband and move 550 miles away, gasp!, live inland and be a housewife. I cried every day for the first six months of my marriage because I missed my home town, I missed my family, I missed my friends and yes, I missed working. I missed the things that I felt had made me feel successful.

Now in my late 40s, I realized success for me is being married to a good man, having a happy and healthy family, being active in my community via volunteer work and being financially secure with our basic needs being met without me having to “work”.  For me, that vision of success dramatically shifted as my life changed and I had to accept these changes for my mental health.  

Now that the world seems to have stopped and many of us have had a drastic and sometimes frightening halt to our “normal’ way of life, we have to get down to the basics. Let’s start with the basics of addition and subtraction. What do we have coming in the way of income or revenue and what do we have going out in the way of expenses?

One of the easiest ways to figure this out is to take a look at your monthly spend, list out every single item that you have spent money on in a set amount of time. Now look at all of your revenue for that same time period. If your spend is more than your receipts, then you need to either cut expenses or increase revenue.

Usually, this is not such an easy fix. It forces us to really look at all those items and be able to justify the spends and be accepting of the possible limits of income coming in. If you do not think that you can be objective to the spend, seek assistance from someone you trust and have them help you clearly look at this list. Believe me as a Starbucks junkie, I can find 50 reasons why I feel that my daily fix is a necessity. Perhaps look at each individual spend and ask yourself what the ROI (return on investment) is. Depending on your fiscal health, this exercise can assist you with determining the value of the ROI at this point in time.

The bottom line goes to the basic math of addition and subtraction with your ins and out of funds.

A second activity that I often recommend it to take a look at your monthly and yearly cash flow.  When do you have expenses going out and when do you have income coming in. For those -who are dependent on paychecks, this could be based on whether your pay cycle is weekly, bimonthly or monthly.

In my career I have become accustomed to all of the various pay cycles including seasonally when I owned a termite and pest control company. It was seasonal work, which meant no income during the winter months. Now get your calendar out and compare the dates of when your income comes in and when you pay bills. Do these line out? Are there items that can be changed? Have you even asked? Start making calls. Maybe a set auto draft can’t be changed. Ok, then take it off auto pay and set a reminder on your calendar to pay the bill on a certain date.  This allows you to control when the expenses are coming out, which will help you better manage your cash flow.  

Are these steps a cure all? No, of course not. What they do allow us to do is to be truthful with ourselves as to what our financial health currently looks like. Once we know what the diagnosis is, then we can truly set up the path to treat the symptoms of fiscal disease and work towards a healthier fiscal bottom line.  

With the world in crisis right now, your definition of success may be dramatically changed. And with these challenges, we must learn to be flexible and to reassess what our needs are, both professionally and personally.


Now is not the time to drop our heads in defeat. Instead, put your head down and make the changes that you do have the power over. Perhaps, cutting expenses, perhaps reaching out to ask for assistance from your vendors, lenders, friends/family or by seeking assistance from a debt management provider. It sounds cliché, but truly knowledge is power and now more than ever we need to know where we are so that we can make the changes necessary to get where we want to be.  


What are you doing for your mental and fiscal health? Do you know where you are? Have you ever really considered what success looks like for you? Now, more than ever, we have been given the opportunity to really dive into these questions. It’s up to you, and I have complete faith that you can do this, so get going!

Jacie Tallon Peters, MPH, Head of Finance Kaia Corp

Mrs. Peters is a third-generation small business owner and retired health care professional.  In addition to serving as a Managing Partner and Operator at Excellent Fumigation, a termite and pest control company based in Southern California, she serves as the Director of Finance for Kaia FIT Corporate.  In Jacie’s free time she serves on the Carson Valley Chamber of Commerce Board of Directors, Footprinters International (a law enforcement support organization) and the Executive Board of Directors for the Carson Valley Community Food Closet.   Jacie and her husband reside in Northern Nevada with their two pups.  

7 Day Reset

We’ve incorporated inspiration and motivation to help you rock all 7 days. In the next 7 days you will make shifts in your mind and body that will boost your metabolism, improve sleep and increase energy.


This is a self paced reset, so you can start when you are ready but we recommend to continue with the reset each day once you begin to see the maximum results.

All it takes is 7 DAYS. What are you waiting for?

Kaia Tri is a ten-week triathlon training program with workouts three times a week, which is an optional extra during our spring and summer CORE sessions. We swim, bike, and run, with some cross-training classes too. By being able to set a personal pace, our triathlon training program is suited to beginners tackling their first race and intermediate athletes looking to improve their finish time.

Our mock triathlons run several times to familiarize women with the course route. We finish the season with a Triathlon Training Camp which includes paddle boarding and power workouts. The next day is our exhilarating and fun Triathlon race day for all Kaia Tri women to enjoy working out in a beautiful location. Friends are welcome too!


Kaia Sandbag combines traditional fitness with unconventional training methods. With sandbags, the weight shifts and moves in an unpredictable fashion. This piece of equipment is integrated into our conditioning & strength building workouts to simultaneously develop strength, power, endurance, mobility, and balance – with an additional emphasis on developing overall core strength and stability.

New to sandbag training? No problem! Beginners are always welcome.


TRX® Suspension Training® body-weight exercise simultaneously develops strength, power, endurance, mobility, durability, balance, flexibility, and core stability. Whether you’re younger or older, out of shape or a pro athlete, injured or at the top of your game, TRX Suspension Training meets you where you are and takes you where you want to go. TRX Suspension Training leverages gravity and the user’s body weight to enable hundreds of exercises that can be instantly scaled for any user to reach any fitness or training goal. The easily-scalable nature of TRX Suspension Training makes it a practical solution wherever you are on the fitness continuum.

Need a little extra boost to keep your body guessing? Our TRX/Cardio class is an excellent complement to any Kaia FIT session. TRX workouts, which can be used by anyone at any level, builds true functional strength and improves flexibility, balance and core stability all at once. Mixed with cardio, the classes give every member the perfect balance of challenge and success.

*TRX classes not available in all areas. Please contact us your local studio.


Our trademark Kaia Cross-Training™ classes are a unique mix of cardio, functional movement, and both weighted and non-weighted exercises.

Cross-Training benefits:

Each day brings a new workout. We have an elite group of advanced coaches who infuse each workout with their own flair and focus, meaning you’re never going to repeat a workout, avoid burn-out, and fitness plateaus.

Keeping the body guessing is key to sculpting lean muscle mass. We also have a 3-part modification foundation: Balance (non-impact); Strength (mid-impact) and Kaia (high impact). Each exercise has its own progression so that everyone can feel successful.

As a part of our program, we also offer nutritional guidance to help you make healthy food choices and keep your fitness on track.

What are you waiting for? Join us today!


Our barre-based class is a unique combination of postures inspired by ballet, yoga, Pilates and Kaia. Using the barre as a prop to balance, you’ll complete a series of isometric holds combined with high reps of small range movements to elongate and tone your major muscle groups.

In addition to the barre, classes incorporate pilates balls, yoga blocks, and/or resistance bands for increased endurance, challenge and focus. Following each set of holds, you’ll rest and recovery with a short series of stretches and poses to increase flexibility prior to advancing.
Kaia Barre is a low-impact class that perfectly complements our program offerings. Meet us at the barre and try your first class for free!

Participating locations may vary. See the schedule page for more details.


Our dance fitness class is rooted in traditional dance. We use those foundational moves and offer a class that is easy enough for beginners yet challenging enough for the more seasoned dancer. The simplicity of the routines allows you to keep moving with ease. Although this is a workout, it feels more like a dance party with your girlfriends.


Improve your speed, skill, endurance, stamina, and strength with our Kaia running program. The program works on developing running skills that can increase speed, endurance, and overall fitness. The program is designed for you to run at your pace and and help you see improvements every step of the way.

The Kaia training is a simple, progressive program designed for women of all ages and all fitness levels. Whether you are a walker, jogger, or runner, you will be able to join this program and move at your own pace. Research has shown that even 20 to 30 minutes of running (two to three times per week) is enough to help you lose or maintain weight and improve many other important health markers, i.e. your cholesterol, blood pressure and insulin response.

Don’t be intimidated by the Kaia Run program name, each class will have walkers, joggers and runners. Keep in mind that the first mile is the hardest mile you will ever run. Once you get off the starting block, things only get easier. All you have to do is be patient and disciplined in your training, and that is where Kaia


Kaia Yoga combines mind and body with a power yoga and core-strengthening weekly workout with Pilates-style techniques. We focus on balance, strength, and cardiovascular fitness through stretching, strength training and dynamic movement to improve overall fitness levels.

By creating long, lean muscles, Yoga promotes improved coordination, greater flexibility and a fuller range of motion, with a strong body that’s less prone to injury. Yoga keeps the mind centered and reduces stress through positive thoughts and a sense of mindfulness, which also inspires mental strength and confidence.

Yin Yoga, or restorative yoga, is a quiet contemplative practice. It targets the deepest tissues of the body, our connective tissues – ligaments, joints, bones, and the deep fascia networks of the body. Poses are held for 1 minute or more and transitions between poses are gentle and slow. This class is an excellent compliment to our other classes, provides dedicated stretching, and is known to reduce stress and anxiety.


Our BRIK Bootcamp sessions are offered three times a year and are designed to help you reach your health and fitness potential, and you’re welcome to start anytime!

Our BRIK Bootcamps are six weeks long and feature classes daily.* This programming fits in seamlessly with our regularly scheduled classes, and it’s as easy as 1-2-3:

  1. Register for BRIK Bootcamp HERE (included for Platinum & Gold Memberships)
  2. Book your classes through our branded app and Show Up
  3. Let our expert coaches do the rest!

These sessions offer great results in weight and body fat loss and an increase in strength and cardiovascular endurance. Our nutritional support will boost energy, help you de-bloat, increase sleep quality, and enhance your overall glow.

BRIK Bootcamp includes:

In between BRIK Bootcamp, we offer a variety of classes to meet you at your level! We also have nutrition and fitness challenges, in addition to fun opportunities to spice up your routine. What are you waiting for? Join us today!


Cardio based, calorie torching workout with certified spin instructors. It’s a party on a bike!

Try a Week Free