How I’m Budgeting for a 100-Year Life (It’s Not Just About Retirement)
My Financial Plan Has a “Vitality” Line Item
My financial planner used to just focus on my “retirement” number. But I’m planning to live to be 100, and I want those years to be healthy and active. I’ve started budgeting for a “100-year life.” This means my financial plan now includes a “longevity” line item. It’s money specifically earmarked for things that will increase my healthspan: a gym membership, a personal trainer, high-quality organic food, and even future wellness technologies. I’m not just saving for a long life; I’m actively investing in a long, healthy life.
The “Healthspan” vs. “Lifespan” Investment Strategy
I’m Saving for My 80-Year-Old Self’s Adventures
My dad’s friend saved diligently his whole life for a long “lifespan.” He has plenty of money, but at 75, his health is too poor to enjoy it. My investment strategy is different. I’m focused on my “healthspan”—the years I am healthy and vibrant. This means I’m willing to spend more money now on things that will preserve my future health, like a high-quality mattress or a standing desk. It’s a trade-off. It might mean a slightly smaller nest egg, but it dramatically increases the chances I’ll be healthy enough to enjoy it.
The Real Cost of “Preventative” Healthcare (And Why It’s a Bargain)
My $150 Dental Cleaning Saved Me a $2,000 Root Canal
I used to think of preventative care as an expense. My annual physical, my dental cleanings, my eye exams—they all felt like a waste of money when I was “healthy.” Then my friend ignored a small cavity. It turned into a $2,000 root canal and crown. It was a powerful lesson. My $150 dental cleaning is not an expense; it’s a bargain. It’s an investment that prevents a much larger, more painful, and more expensive problem down the road. The cheapest healthcare is the kind that prevents you from getting sick in the first place.
I Calculated the ROI of My Gym Membership, Organic Groceries, and Sleep Tracker.
The Math on My “Wellness” Spending
I was feeling guilty about how much I spend on my “wellness” habits. So I did a rough “Return on Investment” calculation. My $50-a-month gym membership? It gives me energy and focus, which helps me perform better at work and earn more. My extra $100 a month on organic groceries? It’s a long-term investment in preventing costly chronic diseases. My $150 sleep tracker? It helped me fix my sleep, which has made me more productive than any “hustle” ever did. When I framed these as investments, not expenses, the ROI was obviously huge.
How to Afford “Luxury” Wellness Habits (Like Sauna and Massage) on a Budget
I “Hacked” My Way to a Spa Lifestyle
I wanted the health benefits of regular saunas and massages, but I couldn’t afford a membership to a fancy spa. I found a way to “hack” it. I bought a day pass to a local Korean spa for $40. It gave me unlimited access to their amazing saunas, steam rooms, and hot and cold plunges. For massage, I found a great local massage school where a supervised student could give me an hour-long massage for only $35. By looking for these “backdoor” options, I get all the wellness benefits for a fraction of the luxury price.
The Financial “Silent Killer”: How Chronic Stress About Money is Aging You
My Credit Card Debt Was Giving Me Gray Hairs
I spent a few years in my late twenties with a significant amount of credit card debt. The financial stress was a silent, constant presence in my life. It disrupted my sleep, caused me to make poor food choices, and I was constantly clenching my jaw. I was living in a state of chronic “fight or flight.” This constant flood of the stress hormone, cortisol, is a powerful accelerant of the aging process. Getting on a budget and paying off that debt was the single most important “anti-aging” thing I’ve ever done.
I Set Up a “Health Savings Account” (HSA). It’s a Secret Longevity-Investing Tool.
The Triple-Tax-Advantaged Health “IRA”
If you have a high-deductible health plan, the Health Savings Account (HSA) is the ultimate secret weapon for longevity investing. It has a triple tax advantage: your contributions are tax-deductible, the money grows tax-free, and you can withdraw it tax-free for qualified medical expenses. I max out my HSA every year and invest the money in a low-cost index fund. I pay for my current medical expenses out-of-pocket. This allows my HSA to grow into a massive, tax-free “health IRA” that I can use to pay for my healthcare needs in retirement.
The Top 5 Financial Mistakes People Make That Derail Their Health Goals
How Your Wallet Can Sabotage Your Wellness
I’ve seen my friends make the same financial mistakes that derail their health. 1) Not having an emergency fund, which means a health crisis becomes a financial crisis. 2) Being “penny wise and pound foolish” by skipping preventative care to save money. 3) Relying on high-interest credit cards to pay for wellness, creating more stress. 4) Not taking advantage of tax-advantaged accounts like an HSA. 5) Prioritizing spending on “stuff” over investing in their long-term health, like a good mattress or a gym membership.
“How Much is Enough?” Calculating Your Longevity Number
My “Retirement” Plan Is a “Work-Optional” Plan
Instead of a traditional “retirement” number, I calculated my “longevity” number. This is the amount of money I need in my investment accounts to reach “work-optional” status. It’s the point at which my investments can cover my basic living expenses, giving me the freedom to work less, to take a lower-paying but more meaningful job, or to pursue a passion project. For me, the goal isn’t to stop working; it’s to have the financial freedom to work on my own terms for the rest of my long and healthy life.
I Hired a “Fee-Only” Financial Advisor to Plan for a Long Life. Best Money I Ever Spent.
I Needed a Coach, Not a Salesperson
I was overwhelmed trying to plan my financial future. I decided to hire a “fee-only” financial advisor. This is a crucial distinction. A fee-only advisor is paid a flat fee by you and is legally obligated to act in your best interest. They are not a salesperson trying to sell you a high-commission mutual fund. The $2,500 I spent on a comprehensive financial plan gave me a clear, actionable roadmap. It was the best money I’ve ever spent on my peace of mind.
The Surprising Link Between Financial Literacy and Better Health Outcomes
Financial Health and Physical Health Are Two Sides of the Same Coin
I’ve noticed a pattern among my peers. The ones who are financially literate—the ones who budget, save, and invest—also tend to be the ones who are more proactive about their physical health. It makes sense. Both require the same set of skills: long-term thinking, discipline, and the ability to delay gratification. The sense of control and security that comes from having your finances in order reduces chronic stress, which has a direct, positive impact on your physical health. Financial wellness and physical wellness are deeply intertwined.
How to Talk to Your Partner About “Health Spending” Without Fighting
It’s an “Investment,” Not an “Expense”
My husband and I used to argue about our “health spending.” He saw my $150-a-month yoga membership as a frivolous expense. I saw his fancy new running shoes the same way. We learned to reframe the conversation. We stopped calling them “expenses” and started calling them “investments in our long-term health.” We created a shared “Health and Wellness” line item in our budget that we both contribute to. This shifted the mindset from one of individual, guilt-ridden spending to one of a shared, long-term investment in our joint future.
The Case for Investing in a High-Quality Mattress, Office Chair, and Shoes
The Three Touch-Points That Dictate Your Physical Health
A physical therapist told me to think about the three main “touch-points” of my day: my bed, my office chair, and my shoes. I spend a third of my life sleeping, a third of my life sitting, and a good portion of the rest on my feet. Investing in a high-quality, supportive mattress, an ergonomic office chair, and well-made, supportive shoes is not a luxury. It’s a critical investment in my long-term spinal and joint health. Skimping on these three items is a recipe for chronic pain.
I Created a “Sinking Fund” for Future Medical and Wellness Expenses
Saving for a Rainy (or a Healthy) Day
I know that as I age, my medical and wellness expenses are likely to increase. I don’t want a surprise dental bill or the desire to try a new wellness treatment to derail my budget. So I’ve created a dedicated “sinking fund.” Every month, I have an automatic transfer of $100 into a separate high-yield savings account labeled “Future Health.” This way, when an expected (or unexpected) health expense comes up, I have the cash ready to go, without any stress or guilt.
The Hidden Costs of a “Cheap” Diet
My “Value Menu” Habit Was Costing Me a Fortune in Other Ways
In my early twenties, I lived on a diet of cheap, processed fast food. I thought I was saving money. But I was constantly getting sick, which meant missed work and doctor’s co-pays. I had no energy, which affected my performance. And I was developing health issues that would be incredibly expensive to treat later in life. I learned that a “cheap” diet has huge hidden costs. Investing in high-quality, nutritious food is one of the smartest financial decisions you can make. You can pay the farmer now, or you can pay the doctor later.
How to Navigate the Confusing World of Health Insurance to Your Advantage
I Became a “Student” of My Own Policy
Health insurance is designed to be confusing. I decided to become an expert on my own plan. I spent one afternoon and read my entire policy document. I learned the difference between a deductible, a co-pay, and co-insurance. I learned which preventative services were covered at 100%. I learned how to submit a claim for an out-of-network provider. This knowledge has saved me thousands of dollars. It allowed me to use my benefits to their full advantage and to avoid surprise bills.
The “Opportunity Cost” of Not Taking Care of Your Health
The Energy I Didn’t Have Was Costing Me Opportunities
I used to be tired all the time. I’d come home from work and just collapse on the couch. I was missing out on social events, on hobbies, on opportunities to connect with my family. There was a huge “opportunity cost” to my poor health. When I started prioritizing my health—my sleep, my diet, my exercise—my energy levels soared. I had the energy to say “yes” to things again. Investing in my health didn’t just make me feel better; it gave me back my life.
I Used “Automation” to Build My Health and Wealth Effortlessly
The “Set It and Forget It” System for a Better Life
The secret to my success in both my health and my finances is automation. I have an automatic transfer set up to my investment account every payday. That’s my wealth automation. I have a subscription to a healthy meal kit service that delivers fresh ingredients to my door every week. That’s my health automation. By setting up these systems once, I have removed the daily willpower and decision-making from the equation. My health and my wealth are being built on autopilot in the background.
How to Protect Your Assets from the High Cost of Long-Term Care
The Biggest Financial Risk to Your “Golden Years”
The single biggest financial risk to your retirement nest egg is the astronomical cost of long-term care. A nursing home can cost over $100,000 a year. Medicare does not cover this. A financial advisor told me there are a few ways to protect myself. One is to purchase a specific long-term care insurance policy, ideally in my fifties when the premiums are lower. Another is to build a large enough asset base that I can “self-insure.” Ignoring this risk is one of the biggest financial mistakes an older adult can make.
The “F.I.R.E.” Movement and Its Surprising Connection to a Healthier Life
Financial Independence, Retire Early… and Healthily
I was intrigued by the F.I.R.E. movement. The goal is to save aggressively in order to achieve “Financial Independence” and “Retire Early.” But as I got deeper into the community, I realized it’s not just about money. To save aggressively, you have to live a more mindful, less consumerist lifestyle. This often means cooking at home instead of eating out, riding a bike instead of driving, and finding joy in free activities like hiking. The very habits that lead to financial independence are often the same habits that lead to a longer, healthier life.
I Negotiated My Medical Bills and Saved Thousands. Here’s How.
A Medical Bill Is Often Just a Starting Point
I received a shockingly high medical bill after a minor procedure. I was about to just pay it, but a friend told me to try to negotiate. I called the hospital’s billing department. I was polite but firm. I asked for an itemized bill to check for errors. I asked if they offered a “prompt pay” discount for paying in cash upfront. And I asked if the price was negotiable. To my amazement, they reduced the bill by almost 40%, saving me over $1,000. I learned that a medical bill is often just an opening offer.
The Best “High-Yield” Health Habits with the Lowest Financial Input
The Free Habits With the Biggest ROI
You don’t need a huge budget to be healthy. I’ve focused on the “high-yield” health habits that are completely free. 1) A daily walk. It’s great for your heart, your joints, and your mind. 2) A consistent sleep schedule. It’s the most powerful performance-enhancing drug on the planet. 3) Drinking plenty of water. It’s crucial for every system in your body. And 4) a simple mindfulness practice. It’s the best tool for stress reduction. These four habits cost nothing, but their return on investment for my health is priceless.
The Psychology of “Scarcity” vs. “Abundance” in Your Health and Finances
My Fear of “Not Enough” Was Keeping Me Stuck
I realized I was operating from a “scarcity” mindset in both my health and my finances. I was afraid to spend money on healthy food. I was afraid to “waste” time at the gym. I was always focused on what I lacked. Shifting to an “abundance” mindset was a game-changer. I started to see my gym membership not as a cost, but as an investment in an abundance of future energy. I started to see my healthy groceries as an investment in an abundance of future health. This shift in perspective made healthy choices feel joyful, not deprived.
How to Create a Budget That Prioritizes “Joy” and “Well-being”
My “Happiness” Line Item Is Non-Negotiable
My old budgets were all about restriction. They were joyless. I created a new kind of budget. It still covers all my needs and my savings goals, but it has a non-negotiable line item called “Joy and Well-being.” Every month, a set amount of money is earmarked for things that purely bring me joy and improve my health—a massage, a concert ticket, a weekend trip. By budgeting for my happiness, I’ve created a financial plan that is sustainable and that actually supports the life I want to live.
I Tracked Every Dollar I Spent on “Anti-Aging.” The Results Were Eye-Opening.
My “Vanity” Budget Was Bigger Than My “Retirement” Savings
For one year, I tracked every single dollar I spent on things that could be considered “anti-aging”—the fancy skincare, the Botox, the supplements, the hair dye. At the end of the year, the total was over $5,000. It was a shocking number. I was spending more on my appearance than I was contributing to my retirement account. That data was a wake-up call. It forced me to re-evaluate my priorities and to allocate my money in a way that was more aligned with my long-term financial health, not just my short-term vanity.
The Best Credit Cards for Health and Wellness Perks
Getting Rewarded for My Healthy Habits
I did some research and found credit cards that actually reward my healthy lifestyle. I found one that gives me 3% cash back on groceries and gym memberships. Another one offers statement credits for subscriptions to wellness apps. By strategically using these cards for the health-related purchases I was already making, I’m getting hundreds of dollars back each year. It’s a simple hack that allows me to get rewarded for my good habits.
How to Teach Your Kids About the Value of Health as an “Asset”
A Healthy Body Is a “Compounding” Investment
I’m trying to teach my kids that their health is their most valuable financial asset. I use an investment analogy. I tell them that every time they choose to exercise or eat a healthy meal, they are making a “deposit” into their “health account.” And just like money, that health account will grow and compound over time, paying them huge dividends in energy, happiness, and reduced medical costs for the rest of their lives. I want them to understand that investing in their health now is the smartest investment they will ever make.
The “Retirement” Crisis Isn’t Just Financial, It’s a Health Crisis.
What’s the Point of Having Money If You Don’t Have Your Health?
We hear a lot about the financial retirement crisis. But a doctor told me the bigger crisis is a health crisis. He sees patients who have saved millions of dollars but are too sick to enjoy their retirement. They have the financial means, but they don’t have the physical means. This has become my motivation. I am saving for my retirement, but I am just as focused on arriving at that retirement with my health intact. A successful retirement requires both a healthy portfolio and a healthy body.
I Invested in a “Coach” (Fitness, Financial, Life). Was It Worth It?
The Price of Expert, Unbiased Guidance
Over the past few years, I’ve hired a personal trainer, a financial advisor, and a life coach. These were not cheap. But the investment has paid for itself many times over. A coach provides two things you can’t get on your own: expert, personalized guidance and external accountability. They helped me to avoid costly mistakes and to accelerate my progress in all areas of my life. I’ve learned that investing in high-quality coaching is a powerful shortcut to achieving my goals.
How to Monetize a Hobby to Fund Your Wellness Lifestyle
My Pottery Habit Now Pays for My Yoga Habit
I love my weekly yoga class, but the $100-a-month membership was a stretch for my budget. I also have a hobby of making pottery. I started selling a few of my pieces at a local market. I now consistently make about $150 a month from my pottery. I’ve earmarked this “hobby income” to pay for my “wellness” expenses. By monetizing one passion, I’ve created a sustainable way to fund another one.
The Surprising Financial Benefits of a Strong Social Network
My “Friend” Network Is My “Safety” Net
A strong social network is not just good for your mental health; it’s good for your financial health. I saw this when my friend lost his job. His friends helped him polish his resume. A former colleague connected him to a recruiter. And another friend let him stay in his guest room while he was in between apartments. His strong social “safety net” saved him thousands of dollars and helped him get back on his feet much faster. Your relationships are a real, tangible asset.
I Compared the Cost of “Ignoring” a Health Issue vs. “Treating It Early.”
The High Price of Procrastination
I had a nagging shoulder pain that I ignored for a year. It got progressively worse. When I finally went to a physical therapist, the problem was much more severe and required three months of intensive (and expensive) therapy to fix. The therapist told me that if I had come in when I first felt the pain, I probably would have only needed two or three sessions. It was a clear financial lesson: ignoring a small health problem almost always turns it into a much bigger, and much more expensive, problem down the road.
The Best Books on the Intersection of Health and Wealth
My “Well-th” Library
I’ve built a small library of books that focus on the powerful intersection of health and wealth. My favorites include “The Psychology of Money” by Morgan Housel, which has great lessons on long-term thinking. I love “Die With Zero” by Bill Perkins, which makes a powerful case for investing in experiences while you’re young and healthy. And for health, “Outlive” by Dr. Peter Attia is a masterclass on the science of longevity. Reading these books has helped me to create a more holistic and integrated strategy for a long, healthy, and wealthy life.
How to Use “Tax-Advantaged” Accounts for Your Health Expenses
Using the Tax Code to My Advantage
I’ve learned to use the tax code to my advantage to pay for my health expenses. I use my Health Savings Account (HSA) to pay for things like my dental work, my prescription glasses, and even my acupuncture sessions with pre-tax dollars. I also use my Flexible Spending Account (FSA) through my employer to pay for co-pays and other predictable medical expenses. By using these tax-advantaged accounts, I am essentially getting a 20-30% discount on all of my health and wellness spending.
The “Minimalist” Approach to Health Spending: What’s Truly Essential?
I Cut the Fat from My “Wellness” Budget
The wellness industry is full of expensive products and services. I took a “minimalist” approach to my health spending. I asked myself, “What is the 20% of spending that will give me 80% of the results?” I cut out the expensive supplements with little evidence, the trendy fitness classes, and the fancy “superfoods.” I focused my budget on the three things that I believe are truly essential: a membership to a simple gym with good weights, a diet of whole, unprocessed foods, and an annual, comprehensive health check-up with my doctor.
I Gave Myself a “Wellness Allowance” Every Month.
Guilt-Free Spending on My Own Health
My wife and I were arguing about our individual “wellness” spending. I decided to give myself a “wellness allowance.” Every month, I have a set amount of money—about $150—that I can spend on my health and wellness, no questions asked. One month, it might go toward a new pair of running shoes. Another month, it might be a massage. Having this dedicated, guilt-free allowance has eliminated the arguments and has empowered me to take ownership of my own well-being.
The Future of Healthcare Costs and How to Prepare for It
My Health Is My Best Hedge Against Inflation
Healthcare costs are rising much faster than inflation. I know that in the future, medical care will be incredibly expensive. This knowledge is a huge motivator for me to invest in my health now. Every dollar I spend on preventative health today—on my diet, my fitness, my stress management—is a hedge against the massive healthcare costs of the future. The single best way to prepare for the rising cost of healthcare is to do everything in your power to not need it in the first place.
How to Avoid “Lifestyle Creep” from Derailing Your Health and Financial Goals
My Raise Was Disappearing into Thin Air
Every time I got a raise, I noticed that my spending would unconsciously “creep” up to match my new income. This “lifestyle creep” was preventing me from increasing my savings and investing more in my health. I implemented a new rule. Now, whenever I get a raise, I immediately automate a 50% increase in my retirement savings and my “health and wellness” fund. The other 50% I can use for my lifestyle. This ensures that as my income grows, my long-term health and wealth grow with it.
The Surprising Ways Your “Credit Score” Can Impact Your Health
A Good Credit Score Is a “Stress Reducer”
A good credit score is not just about getting a low interest rate on a mortgage. It has a surprising impact on your health. A high credit score can lower your car insurance premiums. It can help you get approved for an apartment without a massive security deposit. It gives you access to credit in an emergency. In short, a good credit score reduces your overall financial stress. And as we know, lower chronic stress is one of the cornerstones of a long and healthy life.
I Created a “Legacy” Health Plan for My Family.
The Best Inheritance I Can Leave Is a Healthy Example
I’m thinking about the “legacy” I want to leave my children. It’s not just about financial assets. I’ve created a “legacy health plan.” This involves having my own end-of-life wishes clearly documented so they won’t have to make difficult decisions. It involves having my finances in order to avoid being a burden. But most importantly, it involves me modeling a healthy, active, and engaged lifestyle for them now. The greatest inheritance I can give them is not my money, but a blueprint for how to live their own long, healthy lives.
The Best “Free” Resources for Improving Your Financial and Physical Health
Health and Wealth Don’t Have to Cost a Fortune
You don’t need an expensive financial advisor or a personal trainer to improve your life. There is a wealth of amazing, free resources available. For finance, podcasts like “The Ramsey Show” or blogs like “Mr. Money Mustache” offer incredible advice. For health, YouTube is a goldmine of free workout routines, yoga classes, and healthy cooking tutorials. And your local library is full of books on every single topic. The information is out there, and most of it is free. You just have to have the discipline to seek it out and apply it.
How to Invest in Companies That Are Shaping the Future of Longevity
Putting My Money Where My Mouth Is
As I’ve gotten more interested in the science of longevity, I’ve started to invest in it. I’m not trying to pick individual biotech stocks, which is very risky. Instead, I’ve found a few Exchange Traded Funds (ETFs) that focus on the “longevity economy.” These funds hold a basket of companies that are working on genomics, biotechnology, and healthcare innovation. It’s a way for me to align my investment portfolio with my personal interests and to have a small financial stake in the future of human healthspan.
The “Anti-Budget”: A Simple System for Managing Your Money Without the Stress
I Hate Budgeting, So I Did This Instead
I hate the tedious process of tracking every single penny. I’ve adopted the “anti-budget.” It’s a simple, “pay yourself first” system. On payday, I have automatic transfers set up to go to my three most important buckets: my retirement savings, my long-term investments, and my “health and wellness” fund. The money that is left over in my checking account is what I can spend on my monthly living expenses and fun, guilt-free. I don’t have to track anything; I just have to make sure I don’t overdraw my checking account.
The Hidden Financial Toll of Being a Caregiver
My Mom’s Illness Cost Me More Than Just Medical Bills
When my mother got sick, I became her primary caregiver. The financial toll was not just the medical bills. It was the lost wages from the days I had to take off work to take her to doctor’s appointments. It was the extra money I spent on takeout because I was too exhausted to cook. It was the cost of gas for the extra driving. The hidden, indirect financial costs of caregiving are immense. It’s a stark reminder of the importance of planning for long-term care, both for our parents and for ourselves.
I Gamified My Savings and Health Goals. It Worked.
I Turned My Goals Into a Game I Could Win
I was struggling with my savings and health goals. They felt like a chore. So I decided to “gamify” them. I used an app that allowed me to set small, achievable “quests” and to earn “points” for completing them. “Save $25 this week”—100 points. “Go for a walk three times this week”—50 points. “Cook dinner at home instead of ordering out”—75 points. This simple act of turning my goals into a game, with levels and rewards, made the process so much more engaging and motivated me to stick with it.
The Best “Side Hustles” for Health-Conscious People
Making Money While Staying Healthy
I wanted a “side hustle,” but I didn’t want one that would chain me to a computer. I looked for side hustles that were aligned with my healthy lifestyle. I became a certified yoga instructor and now teach two classes a week at a local studio. My friend became a dog walker. Another became a guide for a local hiking company on the weekends. These are all ways to earn extra income while also being active, engaged, and doing something you love.
How to Have a “Money Date” with Yourself to Align Your Spending and Values
Is My Spending a Reflection of My True Priorities?
Once a month, I have a “money date” with myself. I pour a cup of tea, I light a candle, and I review my spending from the previous month. I don’t just look at the numbers; I ask myself, “Is my spending aligned with my values?” I value my health, but did I spend more on alcohol than on healthy groceries? I value my relationships, but did I spend more on Amazon than on experiences with my friends? This monthly ritual helps me to ensure that my financial life is a true reflection of the life I want to live.
The Financial Freedom of Being in Peak Physical Condition
My Health Is My Greatest Asset
Being in great physical health gives you a surprising level of financial freedom. When you are healthy, you have more energy, which allows you to be more productive at work and to pursue side hustles. You have fewer medical bills and lower health insurance premiums. You are physically capable of doing more things for yourself, like yard work or moving furniture, instead of having to pay someone else. Your physical capital is directly convertible into financial capital. A strong, healthy body is your ultimate financial asset.
I Read “Die With Zero.” It Changed My Perspective on Health Spending.
My Goal Is to Die With Great Memories, Not a Great Fortune
I read the book “Die With Zero” by Bill Perkins. His argument is that we should focus on maximizing our “life enjoyment,” not just our net worth. He makes a powerful case for spending money on experiences—especially those that require good health, like adventurous travel—when we are younger. Reading it changed my perspective. I’m now more willing to spend money on a memorable, health-dependent experience in my thirties and forties, rather than hoarding every penny for a future my 80-year-old self may be too frail to enjoy.
My “Wealth is Health” Portfolio: A Diversified Approach to a Long, Rich Life.
I’m Diversified Across All My “Assets”
I’ve started to think of my life as a single, integrated “Wealth is Health” portfolio. It’s not just my financial assets. It includes my “health assets” (my fitness, my diet), my “social assets” (my relationships, my community), and my “knowledge assets” (my skills, my learning). I try to make sure I am diversified and that I am consistently investing in all of these areas. Because I know that true, lasting wealth is not just a big number in a bank account; it’s a rich, balanced, and thriving portfolio across all aspects of my life.