Are you investing in your health?

Special Report

It is health that is real wealth and not pieces of gold and silver.” Gandhi

Click to download this Special Report Investing in Your Health

On Wednesday, August 17, 2016, I was invited by my dear friend, John Lau, to speak during a portion of his talk titled Surviving the Retirement Perfect Storm. I was thrilled to be able to say a few words on investing in our health, to compliment John’s advice on investing in your finances. I was also thrilled by the title of John’s talk. To make my point about health and finances, I can discuss surviving the degenerative disease perfect storm in this post.

John is the founder of LFS Asset Management. My husband, Mark, and I are very happy as clients of John. We endorse him and his company heartily.

John is also a client of mine, and relies on me for nutritional recommendations. I mention this because as a result, and through our friendship, John and I agree that fiscal health and physical health are equally important. I have referred to this in three particular ways:

  • Your health is your greatest asset. Investing in your health protects you from the risk of having to buy it back if you were not a good steward of it while you had something of value to protect. It will always be more costly to buy your health back then it is to maintain it. It is prudent to capitalize on your health, just as you would a smart financial opportunity.
  • It pays to be healthy. Since I love to work with busy professionals and busy parents, I know for a fact that when we are energetic and full of vitality, it is more likely that we will thrive in our work and with our families. Whether it is fulfilling a significant career milestone, or being a good role model for our children and spouses, the benefits of radiant good health invariably spill over into our work and home environments.
  • Invest in your health for a lifetime of dividends. Pay now or pay later. Like having money secure in your portfolio, loving your body and getting your body to love you back will enhance all aspects of your life.

Here are some other ways that your physical health and financial health work similarly. If you attended John’s talk, or if you are actively involved in saving and investing your money, you will easily make the connection between health and finances. Since John is the money expert, I’ll explain these cross-over principles from the perspective as a health coach.

As with your finances, the following principles apply universally
to your health

  • There are no guarantees. You take the very best care of yourself that you can. You make smart choices to give yourself the greatest chance to thrive with energy, vitality, and to prevent disease. That is all you can do, and that is a lot. We don’t take care of ourselves so that we will never die. We take care of ourselves because we want to preserve our health as long as possible. For instance, a family propensity may show up in your genetic profile. Yet still, you can do things to steer your health and body in a different direction.
  • There may be factors beyond our control. Making your health a priority helps protect you against unforeseen circumstances. You want to give yourself a fighting advantage in case you are surprised along the way. For instance, if you have a car accident and you get hurt, the more you have provided your body with immune support and protection, and the more stable your joins, muscles, and bones are, the more easily you will recover. For some, this means getting back to work quicker, which has obvious financial benefits.
  • Mitigate risk. Make intelligent choices. Avoid exposing yourself to toxins, poisons, incomplete nutrition, excess stress, and social isolation. Stop doing the things that make you feel crummy, like not getting adequate restorative sleep. Some obvious things would be to not smoke and to only drink moderate amounts of alcohol.
  • Create systems to self-protect. This can include having time for healthy meals, taking quality supplements, staying hydrated, maintaining a healthy weight, ensuring regular exercise, and having a regular bedtime. I am fond of this axiom: decide once, act over and over. Once you identify what your basic systems are, you can take action on them over and over. You only need to re-decide if a better system presents itself. (I decided to save a certain amount of money every month, no matter what. I made that decision, and I don’t have to try to make it over again every month.)
  • Start from where you are. You can learn from your mistakes, but it is most important that you look forward to what you want to create. Others may seem further ahead when it comes to enjoying radiant good health and an abundance of energy. You can only make improvements relative to what you have created so far regarding your health. If you are sixty five and have lived a life of excess (weight, stress, food, smoke, alcohol) you won’t become a paragon of health overnight. But you work with what you have and start to change from this moment.
  • It’s never too early to start to make a difference. It’s always too late to wait. There is no justification in the world for putting your health on hold. Or getting to it later. Each day that you don’t spend time and energy in nurturing your body is a waste. You can’t get those wasted days back.
  • Cost of disease vs. the cost of investing in health (asset allocation/preservation). You are going to pay to be healthy. Either while you have good health, or if you lose it and need to buy it back. It is always more fun, more enjoyable, and much less costly to invest in your health when you have it rather than trying to buy it back. Compare the cost (time and money) of taking fish oil and Vitamin D versus suffering from a heart attack (In the US, $818 billion, while lost productivity costs could exceed $275 billion); the cost (time and money) of preparing nutritious food versus having to medicate for diabetes ($7900 to $13700 per year, per individual); the cost (time and money) of regular exercise versus the cost of obesity. ($210 billion annually, plus $4.2 billion in lost productivity)
  • Diversification – not just one pathway or strategy. Your health (and your finances) don’t thrive because you did just one thing. It will never be this way. All things you do pro-actively interact synergistically. For example, if you get adequate rest, plus you eat nutritious-dense food (and avoid junk food), you will have less inflammation in your body and more resiliency against degenerative disease. If you get regular exercise plus you avoid a diet of excess carbohydrates, you will maintain a healthy weight more easily, plus have dramatically less risk of getting cancer or heart disease.
  • Work with coach/mentor/advisor. I wouldn’t be where I am financially without John’s help. In my own life I turn to experts in areas of business, spiritual development, sports training, and relationship building. My clients get guidance from me as their health coach. All of the Olympic athletes have a coach. Working with a coach means having someone to look over your shoulder and to help get you on a path. Being held accountable is among the greatest rewards. This will give you a compounded  return for the time, money, and effort you put into achieving your health goals. A coach can help you avoid making fool-hearty investments in your health in things that just won’t give you a good return. There are a lot of gimmicks in the world of wellness. A coach can help you stay focused.
  • Create a plan. If you wing it, you will get wing it results. If you have no direction, then it doesn’t matter where you end up. If you listen to your plumber about how to lose weight, you might encounter something that does not work for you, or is bogus. Thinking strategically about your health ensures that you can move steadily toward the goals you have identified as the most important ones to you.
  • The value of freedom. How much would you pay to absolutely love how you feel, to have reliable energy, and to do the most cherished things in your life for the longest possible time? What is the value to you for being able to travel, spend time with your family, do sports, have fun, do meaningful work, contribute to others… all without your body conking out prematurely on you? Being able to say yes to most things in life means freedom. My father could not come to my wedding because of the complications of his stroke, which was definitely lifestyle induced. That’s the opposite of freedom.
  • The cost of doing nothing. This could be among the costliest things of all. If you are wearing blinders, it’s time to take them off. Look at the results you have created in your body, your weight, your energy level, your exposure to a serious condition, and assess if you have been proactive… or not.
  • Expect discipline, sacrifices, and hard work. Those who save effectively for retirement have their priorities when it comes to all aspects of their finances. This is the same for those who take excellent care of their bodies. People often work hard to get great results with their size, their energy level, and their strength. Their ability to play and work hard because their bodies support them in doing so and they rarely get sick comes from focused effort.
  • The compound effect – small steps, big changes over time. This is among the most profound lessons I can offer you. One of my clients is age 67 and had several serious health conditions. When he assessed his lifestyle, he saw clearly that he had a few very bad habits. We began to dismantle them one at a time. He only made a few adjustments. (He increased his water and gave up his habit of about six diet sodas per day. He began to get some moderate exercise. And he began to take nutritional supplements and meal replacements that were targeted for his weight and health issues.) Did he become an Olympic athlete overnight? Of course not. But he immediately began to lose weight and have significantly more energy. With the boost to his nutrition, he noticed a much brighter outlook on life in general. For him, and perhaps for you, that’s the point. Like saving a small portion of your earnings on a regular basis, small and effective pro-health habits add up. Give yourself time to make some dramatic changes. You might not become like someone else who has been investing in her health for forty years. But you will become the best version of you, and that’s an investment of a lifetime.

Wishing you abundant health and vitality,


Rosie Bank

Board Certified Integrative Nutrition Health Coach

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About The Author

Rosie Bank

Rosie's mission is to inspire you to experience optimal health for life. Her purpose is to guide you to live with more freedom, more joy, greater health, and tremendous abundance. Rosie measures her life by how many people she can serve to experience these life-changing qualities. She is a Board Certified Integrative Nutrition Health Coach and the author of Health Matters. Please visit Get a copy of It Pays to Be Healthy at