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Do you stress about money? A 'money coach' might be the remedy.

Do you stress about money? A 'money coach' might be the remedy.
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Like many people, Dana Nielsen had spent much of her life struggling with her relationship with money. "It was this object way outside of me that I didn't have control over," she says. "It was something that I needed but didn't value. And I didn't know how to have a relationship with something that I needed but didn't value."

Little did Nielsen know that exploring her relationship with money, figuring out what mental or behavioral obstacles were getting in her way, and forming a plan of action would give her power over her finances for the first time. But that's how she felt after three Money Coaching sessions in a Capital One Café—empowered.

"It gave me confidence," she says. "It gave me trust in myself and trust in money in a way that I had not had in the past. It really connected the dots for me."

Nielsen was just launching her own private psychotherapy practice when she decided to try out the Money Coaching program. She says she was surprised by what it felt like when she arrived at the Capital One Café in San Francisco.

"It was a really different experience of being in a bank than I had had in the past," said Nielsen. "Very calm and casual."

Instead of a sterile atmosphere, Capital One Cafés feel like cool coffee shops, complete with cozy nooks, quality coffee, free WiFi and good lighting. Nielsen was offered a beverage, then her Money Coach invited her to a private space to chat about her goals and values, and how to use money to create a life she would love.

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The Money Coach didn't tell Nielsen much to contribute to her 401K or which stocks she should buy. Instead, the coach helped her explore her beliefs and emotions around money, set financial goals, and make an action plan for reaching them. She left feeling empowered and confident about her finances in a way she never have before — and it didn't cost her a dime.

Nielsen says she had a lot of limiting beliefs about money, and her Money Coaching sessions helped her have a more positive outlook. They allowed her to set a different bar for herself and to align herself with the belief that she could create abundance and have control over her financial life. And it was fun, she says. "I loved bringing play to something that has historically and culturally so dry and so serious. Making it into something personable that I could work with was just so encouraging."

That change in mindset resulted in real-life change. Since completing her Money Coaching sessions, Nielsen has opened a high-interest savings account, paid off a private business loan, raised her fees, and adjusted her sliding scale spots. She has also become more purposeful about where she chooses to spend her money, focusing on conscious brands and supporting more minority-run businesses, to align her spending with her values.

Now Nielsen recommends Money Coaching to people on a regular basis.

"Money is a foundational issue for a lot of people," says Nielsen. "It's in the same kind of belief categories as our sense of safety, sense of belonging, sense of home." She has clients who make a lot of money but also have a lot of debt, and their relationship with money is messy. "For clients and friends that have issues in that department," she says, "I refer them to Money Coaching as a supplement to therapy."

Similar Money Coaching experiences are happening in Capital One Cafés across the U.S., and the program is the brainchild of a team of Capital One creatives and financial advisers who set out to explore what kinds of financial services people really need.

Through their research, the team found that people of all ages and life stages struggle with financial anxiety. If people don't look at their emotional relationship with money, it doesn't matter what changes they make on paper. People's financial success won't budge if they don't address the thoughts, beliefs, and patterns of behavior they have around money.

Mira Lathrop, a co-founder of the Money Coaching program, worked as a financial planner for ten years prior to collaborating on the program, helping people manage their money. That experience, along with a degree in psychology and her work as a certified life coach, made Lathrop the perfect person to help build what has become Capital One's Money Coaching service.The team created the Money Coaching service to help people move from stress to confidence in their relationship with money. This "money journey" is a free service available to the public, even if you're not a Capital One customer. Anyone can come in for three in-person sessions with a Money Coach at no cost and with no further commitment.

Here's how it works:

You set up a time to meet with a Money Coach at a Capital One Café near you. When you arrive for your appointment, an Ambassador in the Café will ask if you want something to drink, give you a tour of the Capital One space if you'd like, and then you meet your Money Coach — a certified coach who has been trained to help people work through beliefs and feelings about money.

You'll be asked a series of open-ended questions and then the coach will help you choose from 10 tools the program has designed to help you discover an alternative perspective. The tools are interactive on an iPad, and include things like; Clear Your Path, Chart Your Values or Looking at your Future. The purpose is to help facilitate an honest, deep-dive into your hopes, fears, and goals — and ultimately leave you feeling empowered in your financial life.

"In coaching, we really believe that you are the driver of your life," says Lathrop. "You know what's best for you. Of course, there are answers that you might need to get, feedback you'd be interested in, and things you need to dive deeper in. But we're facilitating a journey for you and walking alongside you, reminding you that you have access to what you need. You're empowered to find out what's the next best step for you."

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Lathrop says the most consistent feedback from people coming out of sessions is that it wasn't at all what they were expecting, but they are "surprised and delighted" by the experience. People find having an authentic, honest conversation about money refreshing, which is exactly why Capital One designed the program.

"There's a lot of financial advice available, but learning how to engage with money is not something we're taught, she says. It's not taught in school, and it's not very comfortably talked about or taught in families."

"I feel like this is such a rare and beautiful opportunity we're offering," she adds. "Everyone has a powerfully unique experience."


To find a Capital One Café near you and make a free Money Coaching appointment, go to CapitalOne.com/MoneyCoaching.

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Science

Her groundbreaking theory on the origin of life was rejected 15 times. Then biology proved her right.

Lynn Margulis had the audacity to challenge Darwin. And we're lucky she did.

lynn margulis, lynn margulis symbiosis, biology, scientific breakthroughs, darwin, darwinism, women in science
Facts That Will Blow Your Mind/Facebook

A photo of Lynn Margulis.

Throughout her prolific and distinguished career, biologist Lynn Margulis made several groundbreaking contributions to science that we take for granted as common knowledge today. For example, she championed James E. Lovelock’s “Gaia concept,” which posited that the Earth self-regulates to maintain conditions for life.

But by far, her most notable theory was symbiogenesis. While it was first written off as “strange” and “aesthetically pleasing” but “not compelling,” it would ultimately prevail, and completely rewrite how we viewed the origin of life itself.

In the late 1960s, Margulis wrote a paper titled "On the Origin of Mitosing Cells," that was quite avant-garde. In it, she proposed a theory: that life evolved through organisms merging together to become inseparable.

In essence, cooperation is the driver of life, not competition and domination. This directly went against Darwin’s “survival of the fittest” principle that was considered gospel in scientific circles. Margulis’ paper was rejected by fifteen journals before getting accepted into the Journal of Theoretical Biology.

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Time would be on Margulis’ side, however. By the late ‘70s and early ‘80s, research proved that the two major building blocks of plants and animals, chloroplasts and mitochondria were at one time independent bacteria. This solidified the fact that on a biological level, connection trumps autonomy for longevity. And now that fact is written in textbooks, with no real story of the adversity it overcame to get there.

While it is customary for most new scientific theories to be met with criticism, especially those that completely shift the current narrative, many have noted that sexism played a key part in Margulis’ initial lack of acceptance. On more than one occasion, she herself had hinted that women were seen as mothers and wives first, and scientists second. She recalled that while married to fellow scientist Carl Sagan that “Carl would finish his sentence, unperturbed” while she was expected to “handle all the duties of a 1950s housewife, from washing dishes to paying the household bills.”

And yet, Margulis would have other ideas that were controversial that had nothing to do with her gender. Most famously, she did not believe that AIDS was caused by HIV, and instead believed it was cause by a syphilis-causing type of bacteria, despite there already being decades of research proving otherwise. That view was seen as an endorsement of AIDS denialism, which undermined prevention and treatment effort. Then later in life, Margulis became a vocal proponent of 9/11 conspiracy theories suggesting government involvement the in Twin Towers attacks.

And yet, perhaps this is one of those “you gotta take the good with the bad” situations. Margulis’ inherent contrarian nature gave us both these unfounded, even harmful stances, in addition to entirely new paradigms that altered our understanding of life itself.

And if nothing else, it illuminated the need for science to include multiple points of view in order to unlock the truth. It seems life is, after all, about coming together.

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Health

Most Americans agree bed sheets get 'gross' after 35 days. Experts say it's much sooner.

This is how often you should wash your sheets, according to experts.

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The rest of your bedding doesn't need to be washed as often.

There's nothing better than hopping into bed with clean sheets. But let's be honest: washing your sheets can be a pain. From stripping the bed to putting sheets back on post-washing, it's a chore. But you may want to re-think how often you should be washing your bed sheets.

According to a survey of 1,000 Americans conducted by Mattress Advisor, the average time between sheet changings or washings in the U.S. is 24 days—or every 3 1/2 weeks, approximately. The same survey revealed that 35 days is the average interval at which unwashed sheets are "gross."

If that sounds about right to you, prepare to be shocked. According to experts, you should be washing your sheets *a lot* sooner than that for hygiene reasons.

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How often should you wash your sheets?

Hint: It's a lot more frequent than 24 days.

While there is no definitive number of days or weeks, most experts recommend swapping out used sheets for clean ones every week or two.

Dermatologist Alok Vij, MD told Cleveland Clinic that people should wash their sheets at least every two weeks, but probably more often if you have pets, live in a hot climate, sweat a lot, are recovering from illness, have allergies or asthma, or if you sleep naked.

We shed dead skin all the time, and friction helps those dead skin cells slough off, so imagine what's happening every time you roll over and your skin rubs on the sheets. It's normal to sweat in your sleep, too, so that's also getting on your sheets. And then there's dander and dust mites and dirt that we carry around on us just from living in the world, all combining to make for pretty dirty sheets in a fairly short period of time, even if they look "clean."

Maybe if you shower before bed and always wear clean pajamas you could get by with a two-week sheet swap cycle, but weekly sheet cleaning seems to be the general consensus among the experts. The New York Times consulted five books about laundry and cleaning habits, and once a week was what they all recommend.

Sorry, once-a-monthers. You may want to step up your sheet game a bit.

sheets, bed sheets, clean sheets, how often should you wash your sheets, how often should you wash your bed sheets Experts agree that this is how often you should wash your bed sheets.Photo credit: Canva

What about the rest of your bedding? Blankets and comforters and whatnot?

Olivia Parks, Owner + Lead Organizer at Nola Organizers, told Upworthy that duvet covers should be cleaned every week or so.

"Even though the cover protects the insert, the insert still collects body odor, sweat, body oils from lotions or other body products, crumbs if you eat in your bed, dog hair or cat hair, and more," she explained.

Somewhere between the Gen X and Millennial eras, young folks stopped being about the top sheet life, just using their duvet with no top sheet. If that's you, wash that baby once a week. If you do use a top sheet, you can go a couple weeks longer on the duvet cover.

For blankets and comforters and duvet inserts, Sleep.com says every 3 months. And for decorative blankets and quilts that you don't really use, once a year washing will suffice.

What about pillows? Pillowcases should go in with the weekly sheet washing, but pillows themselves should be washed every 3 to 6 months. Washing pillows can be a pain, and if you don't do it right, you can end up with a lumpy pillow, but it's a good idea because between your sweat, saliva and skin cells, pillows can start harboring bacteria.

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Baking soda absorbs moisture and or odor and breaks down any residue that builds up! If you have allergies you should be doing this more often! #cleaning #lifehack #tiktokshopcybermonday #tiktokshopblackfriday #mattressvacuumcleaner

Finally, how about the mattress itself? Home influencers on TikTok can often be seen stripping their beds, sprinkling their mattress with baking soda, brushing it into the mattress fibers and then vacuuming it all out. Architectural Digest says the longer you leave baking soda on the mattress, the better—at least a few hours, but preferably overnight. Some people add a few drops of essential oil to the baking soda for some extra yummy smell.

If that all sounds like way too much work, maybe just start with the sheets. Pick a day of the week and make it your sheet washing day. You might find that climbing into a clean, fresh set of sheets more often is a nice way to feel pampered without a whole lot of effort.

This article originally appeared two years ago. It has been updated.

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Stanford researchers find a single question could be the key to changing someone's mind

Curiosity goes a lot further than we might think.

discussion, debate, disagreement, conversation, communication, curiosity
Photo credit: Canva

How do you get someone to open their minds to another perspective?

The diversity of humanity means people won't always see eye to eye, and psychology tells us that people tend to double down when their views are challenged. When people are so deeply entrenched in their own perspectives they're refusing to entertain other viewpoints, what do we do?

Frequently, what we do falls into the "understandable but ineffective" category. When we disagree with someone because their opinion is based on falsehoods or inaccurate information, we may try to pound them with facts and statistics. Unfortunately, research shows that generally doesn't work. We might try to find different ways to explain our stance using logic and reasoning, but that rarely makes a dent, either. So often, we're left wondering how on Earth this person arrived at their perspective, especially if they reject facts and logic.

According to Stanford researchers, turning that wondering into an actual question might be the key.

discussion, debate, disagreement, conversation, communication, curiosity Questions are more effective than facts when it comes to disagreements.Photo credit: Canva

The power of "Tell me more."

Two studies examined how expressing interest in someone's view and asking them to elaborate on why they hold their opinion affected both parties engaged in a debate. They found that asking questions like, "Could you tell me more about that?” and ‘‘Why do you think that?" made the other person "view their debate counterpart more positively, behave more open-mindedly, and form more favorable inferences about other proponents of the counterpart’s views." Additionally, adding an expression of interest, such as, ‘‘But I was interested in what you’re saying. Can you tell me more about how come you think that?” not only made the counterpart more open to other viewpoints, but the questioner themselves developed more favorable attitudes toward the opposing viewpoint.

In other words, genuinely striving to understand another person's perspective by being curious and asking them to say more about how they came to their conclusions may help bridge seemingly insurmountable divides.

discussion, debate, disagreement, conversation, communication, curiosity Asking people to elaborate leads to more open-mindedness.Photo credit: Canva

Stanford isn't alone in these findings. A series of studies at the University of Haifa also found that high-quality listening helped lower people's prejudices, and that when people perceive a listener to be responsive, they tend to be more open-minded. Additionally, the perception that their attitude is the correct and valid one is reduced.

Why curiosity works

In some sense, these results may seem counterintuitive. We may assume that asking someone to elaborate on what they believe and why they believe it might just further entrench them in their views and opinions. But that's not what the research shows.

Dartmouth cognitive scientist Thalia Wheatley studies the role of curiosity in relationships and has found that being curious can help create consensus where there wasn't any before.

“[Curiosity] really creates common ground across brains, just by virtue of having the intellectual humility to say, ‘OK, I thought it was like this, but what do you think?’ And being willing to change your mind,” she said, according to the John Templeton Foundation.

discussion, debate, disagreement, conversation, communication, curiosity Curiosity can help people get closer to consensus. Photo credit: Canva

Of course, there may be certain opinions and perspectives that are too abhorrent or inhumane to entertain with curious questions, so it's not like "tell me more" is always the solution to an intractable divide. But even those with whom we vehemently disagree or those whose views we find offensive may respond to curiosity with more open-mindedness and willingness to change their view than if we simply argue with them. And isn't that the whole point?

Sometimes what's effective doesn't always line up with our emotional reactions to a disagreement, so engaging with curiosity might take some practice. It may also require us to rethink what formats for public discourse are the most impactful. Is ranting in a TikTok video or a tweet conducive to this shift in how we engage others? Is one-on-one or small group, in-person discussion a better forum for curious engagement? These are important things to consider if our goal is not to merely state our case and make our voice heard but to actually help open people's minds and remain open-minded in our own lives as well.

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A girl's pet pig ate her homework. Teachers were stunned when mom sent them video proof.

"Okay, I have to admit this is a first for me!"

pigs, pets, homework, school, teachers, kids, dog ate my homework, excuses, funny, humor
By Andrew Watson/Wikimedia Commons & Canva

An Arizona girl claimed "My pig ate my homework!" Luckily, she had proof.

Believe it or not, "the dog ate my homework" excuse is over 100 years old. The first known anecdote involving a dog eating important documents came about around 1905. A professor was later recorded in 1929 writing, "It is a long time since I have had the excuse about the dog tearing up the arithmetic homework," suggesting the phrase had been around for some time.

In the century since, teachers the world over have heard every variation of excuse about why a student can't turn in their homework. But, in 2026, we may have fortuitously stumbled on a new one most teachers have never dreamed of.

Jacey Tinsley, a mom from Arizona, recently posted a story to social media that has to be seen to be believed. In the now viral post, she explains that her daughter Taylee was unable to turn in her homework for multiple subjects... because their pet pig ate it.

Yes, the Tinsleys have racked up quite a following on social media documenting life with their three mini-pigs, so it is certainly in the realm of possibility that one of the pigs could have gotten into Taylee's homework.

But would the teachers buy it?

Luckily, Tinsley was able to catch the whole thing on video via indoor Ring cam. In the footage, their pig Polly is caught red-handed snatching the backpack off of the counter, dragging it to the floor, and rifling through it—destroying several papers in the process. Tinsley took the initiative to email her daughter's teachers and school administrators with the indisputable photographic evidence.

Jacey Tinsley took full accountability for her daughter's missing work. "If/when you see any work that's partially eaten/chewed, that is 100% on us, not Taylee," she confessed.

Then, she hoped for the best.

The school staffers had no choice but to accept Jacey's ludicrous tale, and they got quite a kick out of it, too.

Taylee's principal was first to reply: "Okay, I have to admit this is a first for me!! I'm trying not to laugh hysterically..."

The science teacher chimed in next: "This is a first time in my teacher career to hear this and I find it hilarious."

The math teacher was a person of few words: "Oh my goodness, that is so funny."

Over two million people viewed the reel on Instagram and TikTok combined. Commenters were delighted by the ridiculous footage and had plenty of their own hard-to-believe stories of lost homework:

"I turned in homework once that was half eaten by my rabbits but all the answers weren't eaten so I got an A"

"That happened with my piggy she ate three page, so I sent a picture of our piggy Then the damn teacher wanted me to bring her to show and tell her"

"Had a classmate who brought in his homework that was literally eaten by his dog. My teacher thought it was so funny that he displayed the chewed up paper on his wall"

"My baby sister ate my homework once. I wish I was joking"

"My dog ate my homework which was a book I picked to read and it was about lying and saying that your dog ate your homework. I told my teacher and got yelled at so my Dad had to come in with the torn up book to prove I wasnt lying"

If there's anything to learn from the massive response to Tinsley's post, it's that, sometimes, the dog really does eat your homework. And if not the dog, then the rabbit, cat, or even pig.

Pigs can make terrific pets in the right home. They are surprisingly intelligent, playful, affectionate, and can be trained to do many of the tricks and tasks dogs can do.

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Pigs can, however, be quite destructive. Because they're so smart, any hint of boredom can drive them into a frenzy of activity; a favorite activity of many pigs is rooting. Rooting is when they use their powerful snout to push and dig at the ground—or whatever items happen to be around (like a backpack that smells like yesterday's lunch). It's an instinctual behavior that calms them and helps them find snacks.

Taylee got lucky this time that the whole incident was caught on camera. "The pig ate my homework," doesn't seem like the kind of excuse that's going to fly more than once without proof.

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'Remarkable' UPS driver runs into burning home to save 101-year-old woman

"I just did what I thought was right."

ups driver, ups, hero, house fire, elderly woman, orange county, california, local news, good news, ktla
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A delivery driver with a determined expression; a house on fire.

Fate often tests our courage at the most unexpected times. For UPS driver Willy Esquivel, that moment came on January 15 while he was completing a delivery in Orange County, California.

According to KTLA, Esquivel was on his routine route in Santa Ana when he noticed neighbors attempting to smother a blaze coming from the condo of Ann Edwards, a 101-year-old woman who lives alone.

Esquivel wasted no time entering the smoke-filled building to rescue Edwards, who seemed "very disoriented" and reluctant to leave. Nevertheless, Esquivel "picked her up and carried her safely outside," according to KTLA and a statement from the Orange County Fire Authority (OFCA).

A video posted on the OFCA's X account showed just how thick the smoke was pouring from Edwards' condo as firefighters arrived. The OFCA also acknowledged the resourceful neighbors who aided in the rescue.

"At the same time, the neighbors used fire extinguishers to knock down the kitchen fire," the OCFA wrote on X. "One of them, a roofer by trade, grabbed his ladder, climbed to the roof, and used a garden hose to spray water into the kitchen vent."

Thankfully, while Edwards was taken to the hospital, she was expected to make a full recovery. Her son, Rick, told KTLA that he was grateful to Esquivel for "sticking with her and getting her out of there."

As for Esquivel, rather than seeing himself as a hero, he told KTLA that he was "just a UPS driver who was in the right place at the right time."

"I just did what I thought was right," he added. "At the end of the day, she's someone's mother, someone's grandmother, great-grandmother."

- YouTube www.youtube.com

Moments like this rarely announce themselves ahead of time. They unfold in the middle of ordinary days, on familiar streets, while people are simply doing their jobs or moving through their routines. Delivery drivers like Esquivel travel through neighborhoods every day, often unnoticed, yet uniquely positioned to sense when something is wrong. On this day, being present and paying attention made all the difference.

Just as striking as Esquivel's bravery was the way neighbors instinctively sprang into action. Without hesitation, they grabbed fire extinguishers, ladders, and garden hoses, each contributing whatever they had in the moment. Together, their quick thinking and collaboration helped prevent an even greater tragedy.

"A remarkable outcome made possible by quick action, teamwork, and people looking out for one another in a moment of need," the OCFA wrote on X.

It's easy to assume someone else will step in. That it's not your fight. That it's not your responsibility. Heroism requires the opposite mindset. And at a time when the world can feel increasingly short on that quality, this story is a refreshing reminder that yes, there are still good people out there willing to help, even when it means helping complete strangers while on the job.

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