The Most Neglected Part of Your Financial Plan:
Your Health
When you think of financial planning, what comes to mind? Likely savings accounts, investments, or long-awaited retirement. But what if I told you there’s one massive piece of your financial puzzle that often goes overlooked? It’s your health. That’s right—everything you’re working so hard to save and build could wind up being meaningless if your health prevents you from enjoying it.
Think about it: decades of saving, budgeting, sacrifices, and planning will only matter if you’re physically able to enjoy the fruits of your labor in retirement. Without good health, travel plans, family time, or simply the joy of living comfortably can be cut short. It’s an unsettling reality but one we can take action on.
Below, we’ll look at five areas where you can invest in your health with as much intentionality as you do your finances. After all, a healthy life isn’t just about living longer—it’s about living better.
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Healthspan vs. Lifespan: Shifting Your Perspective
What’s the Difference?
You’ve likely heard the word “lifespan.” It’s the number of years you live—but what about your healthspan? This term refers to the years in which you’re living a full, active, and healthy life.
Here’s where it gets sobering: for many people, there’s a significant gap between their healthspan and lifespan. You might live well into your 80s or 90s, but how much of that time will you truly enjoy? Without good health, those extra years might feel more like an uphill battle than a reward.
The Problem with Retirement Math
Consider this: the average American works for around 45 years, from early adulthood until retirement. But on average, people only enjoy 20 years of retirement before they pass away. That’s a 2:1 ratio of working years to free time.
Now imagine that 20 years being shortened by health problems. Visualize being unable to enjoy a dream vacation or even a simple walk in the park due to physical limitations. It’s heartbreaking, yet it happens all the time.
The goal isn’t just to add years to your life. It’s to add life to your years. That’s why prioritizing your health now is critical.
Health Investments Compound, Just Like Money
You’ve likely heard of compound interest in financial planning—small, consistent investments grow exponentially over time. Well, the same principle applies to your health.
Healthy habits today create a foundation that can drastically improve your quality of life later. Think of every good decision—a smarter meal, a workout, or a full night’s sleep—as adding “interest” to your health account. Over time, these small investments snowball into longer, more enjoyable years to spend doing what you love.
Your body, like your portfolio, needs attention and care. Invest wisely in both.
1. Prioritize Your Sleep
Sleep isn’t a luxury—it’s the foundation of your health. Quality sleep impacts everything: your energy, focus, weight, and long-term health risks. Yet, many of us treat it as optional or assume we’ll “catch up” one day. Spoiler alert: it doesn’t work that way.
Yes, life gets hectic—kids, work, stress. But even with three kids under seven, it’s possible to make sleep a priority. A good night’s rest is often the domino that pushes every other piece of your health into place.
Tools to Improve Sleep
We live in an age of technology, so why not use it for better sleep? One game-changer to consider is the Eight Sleep mattress cover. It tracks metrics like restlessness, REM sleep, and heart rate variability (HRV), all while cooling or heating your bed to your ideal temperature.
While it’s an investment, it’s one that can pay off in compounded health benefits. Other tools like wearables (Whoop, Fitbit) can also track sleep patterns and help you make adjustments.
Simple Sleep Tips
- Keep a consistent bedtime, even on weekends.
- Make your bedroom cool, dark, and gadget-free.
- Limit screen time before bed. Your body is designed to repair and recharge during sleep. Don’t shortchange it.
2. Get Moving
The importance of physical activity can’t be overstated. Movement keeps your body strong, flexible, and ready to tackle the tasks of everyday life. Strength training, in particular, plays a considerable role in maintaining your healthspan.
Why Strength Training Matters
Strength training isn’t just for bodybuilders—it’s for everyone. Building muscle helps you stay sturdy and mobile as you age. It reduces the risk of falls, manages weight, and even boosts mental health.
The beauty is you don’t need heavy weights or complicated routines. A simple set of bodyweight exercises or light dumbbells can do wonders.
Start Simple and Stick with It
Here are ideas for staying active:
- Take up a sport or hobby, like tennis or pickleball.
- Go for daily walks, bike rides, or swims.
- Add short strength routines to your week—15 minutes is enough to start.
Remember, motion is medicine. The more you move now, the easier it’ll be to keep moving later.
3. Consistent Blood Work: Know Your Numbers
If your finances include annual reviews, why not do the same for your body? Regular blood work can provide a detailed snapshot of your overall health, uncovering potential problems long before they manifest.
Why It’s Crucial
Blood testing helps identify irregularities in your cholesterol, blood sugar, hormone levels, and more. For example, early signs of nutrient deficiencies or chronic conditions can be addressed before they become severe.
Getting comprehensive blood tests isn’t always straightforward through traditional channels. Doctors might limit testing to what insurers deem necessary. That’s why many people turn to third-party labs to get full panels done.
Take Action
Make it a habit to review your blood work at least once or twice a year. Armed with that data, you can tailor your diet, supplements, and workouts to meet your body’s needs. This proactive step helps you stay ahead.
4. Eat with Intention
Your diet fuels your body. The foods you consume affect how you feel today and your long-term health. Every bite matters.
Focus on Quality
You don’t have to follow an extreme diet. Instead, focus on eating whole, nutrient-dense foods:
- Lean proteins (preferably without added chemicals).
- Fiber-rich carbs like vegetables and whole grains.
- Healthy fats like avocado and nuts.
Pay attention to how your food is sourced. Opt for organic options when possible and avoid overly processed items.
Small Steps, Big Impact
Diet changes don’t have to happen overnight. Start small:
- Swap sugary snacks for fruit.
- Add one extra serving of vegetables a day.
- Cook more meals at home to control the ingredients.
The goal isn’t perfection. It’s progress.
5. Surround Yourself with Smarter People
Just like you rely on financial advisors, you should build a health team to guide and motivate you. A combination of knowledgeable experts and self-education can make all the difference.
Learn from the Best
There’s a wealth of accessible, credible advice from experts like Dr. Peter Attia, Andrew Huberman, and Dr. Andy Galpin. Their insights on topics like longevity, diet, fitness, and brain health are invaluable.
Podcasts, YouTube videos, and books can provide guidance when you’re just starting.
Take Control
No team can replace personal accountability. You’re the one who ultimately decides what goes on your plate, how you spend your time, and what goals to pursue. Think of yourself as the CEO of your own health.
Aligning Health and Wealth
Good health directly impacts your financial freedom. A healthier lifestyle reduces future healthcare costs and increases opportunity. It’s not just about living longer but spending those years fully enjoying life, from hiking trips to sipping coffee on a beach.
Work-life balance is essential here. Don’t delay happiness until retirement—invest in experiences, hobbies, and activities that enrich your life today.
Make the Change Now
Let’s face it: health planning often sits at the bottom of your to-do list. But it’s your doorway to a richer, more meaningful life. Start with one small change—whether that’s going to bed earlier, taking a walk, or booking that long-overdue blood test.
Your future self will thank you. 👊
Looking for a more thorough all-in-one spot for your financial life? Check out our free eBook: A Doctor’s Prescription to Comprehensive Financial Wellness [Yes, it will ask for your email 😉]