When Kris and I traveled to England and Ireland with her parents in 2007, I came home with a financial epiphany. Actually, the trip highlighted a concept that I’d only vaguely understood before: I was a slave to the tyranny of Stuff. I had accumulated way too many things in my life, and this was causing me a lot of mental and physical stress. In many ways, the things I owned actually owned me. Over the past three years, I’ve worked hard to say “so long” to the Stuff I don’t really need.
On this year’s trip to Europe, I had another epiphany. Our time in France and Italy drove home a concept to which I’ve only paid lip-service before: Your health is your most important asset. Despite what others might say, your most valuable asset is not your car or your home, and not even your career. (Though your career is, indeed, very important.) Our vacation taught me that without your health, you have nothing. And if you’re less fit than you could be, you’re sacrificing not just dollars, but days — or years — from your life.
Days of Future Past
Over the past month, Kris and I spent 24 days in Europe. One week was on our own in Paris, but we also spent ten days with an organized tour of Italy, and seven days on a river cruise through northern France. Both of these tours were filled with people who were older than us — often much older. For more than two weeks, we ate, walked, and talked with folks who were 60, 70, and even 80 years old.
These people reminded us over and over again that health is important. They told us how they wished they had traveled when they were younger and more mobile. They complained about lingering health problems brought on by aging. But they didn’t actually have to say anything — we could see how failing health affected their abilities every day.
Our older companions had trouble getting around. They struggled when climbing hills and steps. They found it difficult to walk more than a mile at a time, or to walk more than five miles in a day. Some of our companions were overweight, but most were not. They were just old and out of shape.
Now, I’ll admit that the average age of the tourists on our cruise was probably between 70 and 72. It can be tough for even a fit 70-year-old to keep up with a 40-year-old. But it doesn’t have to be that way. Some of our companions had prioritized fitness as they aged, and their focus on health was paying dividends.
- On the river cruise, we met a man named Roger. Roger runs every day. He’s 65, but he looks like he’s in his forties. (I was shocked when I learned how old he was.) More than that, he’s active and agile, a sharp contrast to most of his peers. He bounds up stairs while others his age take unsteady steps.
- On our Italy tour, we met Deno and Cindy, both of whom are around 65 and seem very fit. But that wasn’t always the case. Over the past couple of years, Deno lost sixty pounds and Cindy shed thirty. They told us how important exercise has become to them because it helps them stay healthy. Just a few years ago, this trip would have been tough for them, but because they’ve prioritized their fitness, they’re better able to fulfill their dreams.
I don’t mean to imply that Kris and I are models of fitness. Not even close.
Despite six months of intense training via Crossfit, I’m still not as fit as I should be. I’ve lost 35 pounds, yes, but I have ten or fifteen more to lose, and that slowed me on this trip. Plus, my bad knees hurt like hell whenever we had to climb stairs. (Climbing to the top of St. Peter’s Basilica at the Vatican was excruciating — my left knee gave me fits. Notre Dame wasn’t much better.)
My extra weight and my bad knees are both reminders of the poor choices of my past.
Kris, too, showed signs of age. Her task-master husband — that would be me — had her walking all over the streets of Paris until finally, one night, she said, “Enough!” A younger Kris might have kept going, but this Kris is forty and not used to walking everywhere.
Lessons Learned
What’s my point?
First, if you’re interested in travel, travel now. Don’t put it off. If travel is a priority, find ways to budget and save to make it happen. Over and over, Kris and I talked with older couples who wished they had started traveling earlier, when they were still more physically active. And when we met travelers our age, they all said the same thing: They consciously choose to sacrifice other luxuries and comforts so that they can travel while they’re young.
But most of all, I want to stress this point: Your health is your most important asset.
In January, I declared 2010 my personal “year of fitness”. I set a goal: lose 50 pounds by the end of December. So far, I’ve lost 35. I may not hit my target, but I’ll come close. But I’ve decided my health is even more important. I don’t want this to be a one-year thing. I want to increase the chances that when I reach the age of 65, I’ll look and act like Roger and Deno and Cindy, and less like everybody else.
To that end, I’ve come up with a short list of simple tasks that I believe can help me stay healthy for years to come. They’re all common sense. I want to:
- Move my body. I want to get daily exercise, and in a variety of ways. I want to lift weights, run laps, jump rope, hike hills, and more. I want to develop both strength and stamina. I want to walk or bike whenever possible.
- Eat wisely. I don’t care about fad diets. I like Michael Pollan’s philosophy from In Defense of Food. I’ll try to favor whole foods, and to limit sugar and saturated fat. Ditching the processed food may cost a bit more in the short term, but the long-term benefits should be huge.
- Use drugs in moderation. No, I don’t mean illegal drugs (which I do not use at all); I mean mind-altering substances of all sorts. I currently use tobacco for fun just a few times per year, and that’s fine. But I want to reduce my consumption of hard alcohol, and I want to stop using over-the-counter drugs (particularly ibuprofen) as some sort of panacea.
- Watch for warning signs. I have a history of avoiding doctors. I don’t want to do that anymore. In my family, it was a sign of strength to ignore pain — my mother once hobbled around on a broken ankle for months — but I want to start dealing with problems early instead of allowing them to explode into crises.
For a long time, I thought it was crazy to spend more on whole foods and organic produce. And if two years ago you would have told me that I’d now be spending $200 a month for a gym, I would have laughed. My perspective is different now. Yes, high-quality food can be expensive, and yes,
Crossfit is costing me a lot of money. But the end result is that I’m fitter and happier than I have been in years. To me, that’s worth the cost.
I’m not going to say that “cost is no object”. That’s silly. I think it’s just as important to be frugal with fitness as in other aspects of my life. But I also recognize that it’s foolish to sacrifice my health for the sake of a few bucks.
Earlier this year, I joined a gym that costs me $200 a month. Sometimes I worry about that cost. But you know what? That $200 is peanuts if it produces results, if it helps me become fit and strong. Which it has. (The two things I missed most on our trip? Our cats and the gym. I’ve been craving intense exercise. Thankfully, I’m back to pull-ups and double-unders at 6:30 this morning!)
Footnote
Our vacation had a mopey conclusion. We ended the trip with three days in Paris, where we spent most of our time in bed — sick. I had a sinus infection, and Kris had bronchitis. We stumbled out of our hotel room on occasion to look at art (the Mona Lisa!) or to get food (olives and cheese from the grocery store) or to go to the pharmacy, but mostly we slept and watched every movie and television show we’d brought on the iPad. It was a miserable way to end our trip, and it was a final reminder of how important good health is.
By not being out and about on those last few days, we essentially wasted hundreds of dollars. (We could have been sick and tired in our own bed at home for free instead of paying for a hotel room.) But this expense is nothing compared to the costs of chronic poor health.
Your health is your most important asset. Do everything in your power to protect it — and to make it last.
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Oh, and by the way: I did my workout at 6:30 this morning. I wasn’t able to do double-unders, so I did the following modified exercises:
5 rounds for time
90 single rope jumps
10 hand-stand push-ups (mine were foot-anchored)
Finished in 9:24 and felt awesome.
I need to be careful about pushing too hard this week, though. I’ve been off Crossfit for an entire month, and my body is soft!
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Having seen elderly Japanese climbing Mt. Fuji in their old-style European-looking hiking gear while I was traveling in Japan highlighted to me just how important good health is. They were doing arduous climb because of a lifetime of looking after themselves. While we have no guarantees as to how long we will be healthy, we can certainly make investments in our health that have the potential for payback in the form of additional years of life with a good quality of life. Sounds like it is worth the investment to me…
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following on J.D.’s point … my DH is a licensed physical therapist assistant and certified personal trainer. He started out in the rehab department of a major university hospital.
Since going freelance he has specialized in geriatrics, and his advice to anyone younger is JUST GET MOVING. The people who are active tend to keep their abilities. The people who sit down and rest lose their abilities, and lose them fast.
If you love Monday Night Football or Jersey Shore, go ahead and watch – but run in place, drop and give ‘em twenty, jump rope, walk on a treadmill. Or better yet, set your DVR for your favorite show, go to the gym, and watch the show when you come back – minus the commercials.
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excellent advice, I think if given the chance everyone would like to travel more, so, like you said, why not make it a priority. Even make money off a vacation by funding it through a private banking system and paying yourself back plus interest!
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I’m a nurse. When I was a new nurse at the age of 20 (that is 20 yrs ago now!) I’ll never forget a patient I cared for and what she said to me. Her and her husband had spent their entire life dreaming of travel. They would travel when they retired. Well, only a month after they retired both of them developed serious health problems. The wife was likely going to soon die. She told me something like this: “young lady, if you have dreams don’t put them off. Do what it takes to live your dreams now.”
I had always dreamed of travel. I am now 40 and have been in over 20 countries. And still trying to get to more! On a recent trip to Egypt, we too saw many elderly travelers who could barely keep up. One couple in particular complained very vocally that they were not told how much walking (and general fast-pace) the tour required….
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Wow! Great post, and what so many people need to hear. Eating clean, whole foods, being more physically active, and improving your health should be top priority. After moving a few months ago, I stopped going to the gym 5 nights a week, ate way too much take-out, and the just stress of life add to my current weight and health conditions. Thanks for the kick in the butt (aka gentle reminder) about WHY health is so important. My goal for 2011 is to get back the health I had a year ago, and start traveling while I can still enjoy the physical aspects of it.
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You need some good prescription anti-inflammatories for your knee. I play tennis 5-6 times a week. I know the power of anti-inflammatories. Don’t abuse them – take them with some type of food to help your stomach, but take them as your doctor recommends and they will do wonders. I’m always amazed at the number of people on the tennis courts who suffer from pain – if it’s just tendinitis/arthritis you can take care of that (if its an actual injury that a different matter, but the a-i’s will still help some). They say, “Well I’m taking Tylenol.” Tylenol doesn’t help with pain from inflamation. Advil does, but it really isn’t strong enough and is pretty tough on your stomach if taken all the time. I prefer the prescription stuff (indomethicin – which is cheap). I take it for a few days (with food) and forget it!
As for the walking and fatigue some of that is just normal. Unless you walk all day at work you are gonna have fatigue. But I always wear good shoes – generally my Mizuno working shoes. I don’t care if I look like a lazy American…I’m a comfortable lazy American and I can see more sites if I’m comfortable and get the support I need.
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@JD: Nice that you keep up, if you’re serious about your health you’re going to need more than 10 minutes of working out. 10 minutes makes you feel ok but doesn’t help w/ weight loss.
This morning I put in 30 minutes @ the rowing machine + 25 minutes on the stationary bicycle for a total of… (let me look, I wrote this) 621 calories. I’m wearing pants right now I haven’t worn in 5 years (see, I never lost hope).
I got serious about cardio for weight loss thanks to Tom Venuto. I swear by that guy’s ebook. He tells it like it is & reminds you there’s no magic “6 minute workout” that’s going to get you in shape. You need at least 30 minutes of cardio 3 times a week for maintenance… you need more for weight loss.
Anyway, sound like I’m shilling for the guy but no, seriously, check out that book if you get a chance. It changed my life.
Oh, and you don’t have to be a bodybuilder to make his system work– just apply some of his principles. I don’t do things exactly like he says but it’s close enough that still works.
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Great post JD!
My parents are a fantastic example of how health is so important.
Mum has had breast cancer twice and has high blood pressure, but religiously walks for at least 5 miles a day, plays tennis twice a week and does bushwalking one day a week. Her health is excellent, she loves to travel and can go all day, walking everywhere.
My father has not taken care of himself, has type 2 diabetes, hardening of the prostate, has had shingles, has had 6 back operations, actually I don’t think we have enough time to go through all the issues he has, oh and he never walks anywhere and doesn’t like to leave the house unless he is going somewhere on holiday…He loves to travel as well, but because of his health issues he can’t just go day after day and has to rest alot.
Mum and Dad love to cruise, I think because Mum likes to be active and Dad can be lazy, although they left on a cruise this morning and Dad said that he would be exercising more this time…
As for myself, I am 38, hiked to (almost) Mount Everest last year (Altitude sickness is a killer). I trained the whole year doing cardio, boxing, 5-7 hour hikes, boot camp and gym training. I lost 4 kilos the whole year!!
This year I am doing personal training, gym work, aquarobics class and swimming. I love to move my body.
I love to travel as well and have been to North America, South Pacific, most of the way around Australia, New Zealand, India, Nepal, Hong Kong, Singapore, Bangkok and most of Western Europe!
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JD! I’ve been reading your articles for a few years now. Never had a reason to really reply until now that you wrote about X-Men 141, days of future past, wow. You are right brother, this issue/arc IS one of the all time greats in terms of story, plot, excitement, etc. Mutants and superheroes are almost all killed, everyone is in hiding, people travel back in time, etc. etc. etc.
Now regarding your article, I’ve been trying to convince my wife all along that you health is one of the most important asset you have and it’s been hard to convince her to get out and exercise! but i will continue to try, encourage, and find things she will like to do.
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JD – I am interested to know why you think Ibuprofen must be avoided in order to be healthy. Certainly you shouldn’t use it to mask pain and avoid an injury, but as long as you don’t take Ibu in doses large enough to cause renal failure, there are almost no detrimental effects. In fact some studies have shown health benefits (lower rates of colon cancer and alzheimer’s dz).
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I made that great decision about my health this last year, in a different way than you. I was already very active, but began to have back problems. I learned the best solution was a surgery that insurance would NOT pay for. I had the surgery and can’t wait to be fully recovered and have my life back.
I also very much agree with the gym membership. Mine is $100 a month and worth every penny. Although not currently a member (since surgery) I will be back.
We lived in Europe in our early 20′s, but hope to see more of the world someday. I would love to travel now, but with kids and college coming it might be awhile. Better stay in shape for when that day comes.
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My dad is 90 and is in really great shape. He finally stopped working (on a farm) a couple of years ago – and has eaten pretty much paleo and organic his whole life. Sadly for him, he was always too cheap to appreciate travel.
In contrast, I made myself sick last year (at 44) with overwork at a desk job and virtually lost 6 months out of my life due to ill health afterwards. One of the things we tend to forget is that people like farmers (or sports stars) take time off every winter, they don’t just push themselves all year long like desk-jockeys.
Nowadays, although I could work 10 or 15 hours a day if I wanted and make lots more money, I’m pacing it out at less than 7 hours a day. It seems to be the sweet spot to still have a life outside of work. I’d also like to recommend the book “The Power of Full Engagement” to anyone who still feels the urge to overwork just to make more money.
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Thanks for this article. I completely agree, I would emphasize your point that chronic poor health is expensive. If one is healthy that = less money for doctor bill and drugs, so any extra expense for healthy food more than pays for itself.
It also equals fewer sick days at work, several of my rather unhealthy obese friends are frequently sick and have used up their sick leave and have to use their annual leave to cover sick days or they won’t get paid.
I used to be in the obese range and had high blood sugar, high blood pressure, high cholesterol, etc. I changed my diet = no more junk food and started exercising (I jog 6 days a week) and lost 40 lbs in time for my 50th birthday. I’m 51 now and have kept the weight off and I feel great. That good feeling after a workout lasts most of the day and really reduces that stressed out feeling so I’m more productive at work.
If I had not done this the doctor was ready to put me on diabetes drugs and high blood pressure medicine essentially for the rest of my life. But no need now thanks to exercise and a good diet all my numbers are in the normal to excellent range.
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I do sprint triathlons. I have some heart issues as a result of chemo, so I’m a tad slow — I finish in the lower middle of my age group (35-39). The top three of every age bracket up to 65 consistently beat me. Sometimes the women 65-69 beat me. And the men 70-74 beat me, too. It’s not all about age.
Any gym membership is a waste of money if you don’t go. But if you go and use it (and love it!), then it’s not a waste at all.
When I was in chemo, I went to the mall one day and skipped up the steps to get to the second floor, and when I got to the top I realized that despite having been in chemo for two months, I was still healthier than a lot of the people walking around the mall.
Bodies just need to be taken care of: lots of movement, good fuel, enough sleep. So simple, and yet so difficult…
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I couldn’t agree more with you. My mother in law and father in law are big health role models for my husband and I. FIL cycles 30-50 miles per day at 60 years old and MIL runs marathons (close to 60). Not that you have to do things to be healthy, but it is pretty impressive. I also agree with the no crash diets–healthy, simple food isn’t always expensive either.
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I, too, am glad to see this renewed emphasis on health. I love personal finance and I’m just as frugal as the next GRS reader, but I just can’t exchange good, nutritious food for anything. I know it’s expensive, and I know coupons could save me oodles, but I WON’T buy processed foods. Heck, I live as if I expect to reach 100 (and I will!), and that’s where personal finance and good health intersect: I’m investing in both my physical health and my retirement accounts because I’m going to need both to be around for a looong time!
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Its amazing how much we take our health for granted. Most of the time people are focused on “going, going, going” and start pumping all sorts of drugs like head and cold flu tablets and energy drinks, to keep them going.
I think we need to take care of our mind, our spirit but most importantly our body. Its about maintaining a healthy and balanced sense of lifestyle and listening to what your body needs.
Without our health we can’t even get out of bed, let alone make the most of out of life.
Thanks for this post =)
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It’s good to hear that health is paramount, it can be easy to forget. As someone who is younger (20), most of the time I don’t think about it. This is a good reminder that you can never start too early on your health. Maybe I should start exercising more?
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You’re never to old to couchsurf! My husband and I, at 68 and 59, have coushsurfed with 20 year olds in Turkey, Mexico and France, and hosted couchsurfers in California. Most CSers are younger than we are, but that has never got in the way of having fun. We don’t always stay with people. Sometimes we just meet for coffee.
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Being healthy – eating good food and taking the time to exercise – may seem costly right now, but compared to the cost of medical care (or as some people I know like to call it – “sick care”) you will be saving a fortune.
Just consider the fact that because of a healthy lifestyle, your chances for cancer, heart disease, and many other chronic illnesses are reduced significantly. Compared to the cost for treating those diseases, spending more on food and the gym are a bargain.
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Amen
And I love the Moody Blues reference…
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@Rob Ward: And there are some things worth more than money. Despite being healthy, I was diagnosed with lymphoma at 31. In 6 months of chemo, I was only sick twice. My oncologist marveled at how “well” I did through treatment and attributed it to my good health before and during treatment. Considering the state of most of the people who I met in the infusion room, any and all time and money spent up to that point on my health and fitness was worth it!
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Hey JD,
I have to say, I think getting finances in order allows/makes us focus on other areas of our lives that need work too, but that we’ve put off for too long.
I’m a fellow “third stager” and have been thinking about these issues as well. I don’t even want to lose much weight just want to firm/tone up. I used to hit the gym a few times a week early in the morning and felt so good the rest of the day. I need to get back in the habit rather than relying on a caffeine fix in the AM to get me going.
Welcome back, this is certainly a terrific first post after a long trip.
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Most definitely! Health is definitely wealth not just physical but mental. It’s only when things go wrong that we remember that we can’t enjoy the finer things in life unless we are well enough to do so. Getting healthier is definitely an ingredient that we forget to our plans to get rich slowly. No point getting rich slowly if you’re getting sick quickly.
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My mother ALWAYS used to say, “Without your good health you have nothing” and so I grew up hearing it and believing it. Could be one of the reasons why I never took/take drugs, become belligerent to some extent when my doctor tries to patch me up with drugs instead of telling me to lose weight and exercise and why I am so dead set to never if at all possible become dependent upon prescription medication. I watched my grandparents go from being active travellers to fat, chairbound, depressed guinea pigs because their doctor prescribed medications that made them sick. I feel very strongly about avoiding meds at all costs.
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I made a goal at thirty to be financially independent by 55 – and achieved it.
I made a goal in my early 40s to live to be 100 (had my first kid at 40 which motivated the goal) and am working on it.
The discipline – financial or physical – is pretty much the same. Work on good habits (exercising daily, eating right and in moderation, etc.) and make them part of my *daily* routine.
I spent 20 years in the military so travel has always been part of my life (take the subway in Paris, don’t walk!) but finding ways to travel now – especially with our kids – is valuable to all of us.
BTW, I couldn’t afford to buy the comics. I would sit for hours at the store as a kid and just read everything from the rack. I really appreciate all those merchants who just looked the other way.
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Couldn’t agree more.
The way I see it in order of importance it goes:
Health
Family
Time
Friendships
Money
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J.D.: And here I thought you were misspelling the title of a Moody Blues album.
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I like the idea of putting fitness in personal finance terms. To me, it’s similar to saving for retirement:
Just like the act of putting a few dollars away every month/week/day will appreciate in 30 years, I can bank some time on exercise now and get a similar appreciation later when I retire (only in years instead of money).
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Something people often forget is that travel can be not only easier, but CHEAPER when you’re younger!
A hostel with 45 other kids = party when you’re 18, major nuisance when you’re 35.
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