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Retirement planning: Your Health—physical and cognitive capabilities
Posted on 8/14/26 at 12:15 pm
Posted on 8/14/26 at 12:15 pm
Not speaking to healthcare costs, per se
Would you trade $500k of your retirement portfolio at age 75 to have the physical and cognitive health of a typical healthy 65-year-old?
My mindset over the years:
End of 20’s - very healthy (played HS & college sports). Company rec sports teams, etc.
End of 30’s - Different! Was worn from work / career moves & young kids. Health was important in concept. In reality, Dr said behavior change needed. I half listened.
Mid 40’s - Work responsibilities, travel, life, kids activities, etc and wayward health “focus”. Dr says I’m on now path to heart problems / diabetes, etc.
This time I listened. Changes made. Been solid since.
Mid 50’s - blessed to say these are some of the healthiest years of life. Inside and out.
So what?
What inspired this post is I am now watching my parents’ aged family/friends (70/80s) battle health issue after health issue. Some have done so for years. (Parkinson’s, heart, diabetes, cancer, etc).
Just another life reminder that time / health value is much higher than I ever truly appreciated in my 20’s, 30’s and 40’s.
It seems to me that personal finance / accounting misses these two extraordinarily important “assets”.
All to say, hope all are blessed with great health and plentiful time buckets. And for those on 20’s, 30’s & 40’s…Don’t overlook these 2 (like I once did in those years)!
I would trade $500k or much more to not have the health challenges that my elder family / friends are going through.
Invest in your health! Happy Friday, All.
Would you trade $500k of your retirement portfolio at age 75 to have the physical and cognitive health of a typical healthy 65-year-old?
My mindset over the years:
End of 20’s - very healthy (played HS & college sports). Company rec sports teams, etc.
End of 30’s - Different! Was worn from work / career moves & young kids. Health was important in concept. In reality, Dr said behavior change needed. I half listened.
Mid 40’s - Work responsibilities, travel, life, kids activities, etc and wayward health “focus”. Dr says I’m on now path to heart problems / diabetes, etc.
This time I listened. Changes made. Been solid since.
Mid 50’s - blessed to say these are some of the healthiest years of life. Inside and out.
So what?
What inspired this post is I am now watching my parents’ aged family/friends (70/80s) battle health issue after health issue. Some have done so for years. (Parkinson’s, heart, diabetes, cancer, etc).
Just another life reminder that time / health value is much higher than I ever truly appreciated in my 20’s, 30’s and 40’s.
It seems to me that personal finance / accounting misses these two extraordinarily important “assets”.
All to say, hope all are blessed with great health and plentiful time buckets. And for those on 20’s, 30’s & 40’s…Don’t overlook these 2 (like I once did in those years)!
I would trade $500k or much more to not have the health challenges that my elder family / friends are going through.
Invest in your health! Happy Friday, All.
This post was edited on 8/14/26 at 12:18 pm
12
Posted on 8/14/26 at 12:36 pm to Everyday Is Saturday
I would take health over money any day! Can’t buy more time.
Posted on 8/14/26 at 2:24 pm to Everyday Is Saturday
Sure I would and I see the same issues in some of my older relatives, though not all. Some approach physical problems as something done to them that is unfair and is ruining their lives. Others accept their limitations, but still find joy and purpose in the things they can do. I am arrogant enough to think I am of the glass half full stock, and will not be bitter in my old age infirmity. But one never knows until you face it.
Posted on 8/14/26 at 2:37 pm to LSUSports247
quote:
I would take health over money any day! Can’t buy more time.
If you have your health you have a chance to do anything you want.
Posted on 8/14/26 at 3:03 pm to Everyday Is Saturday
I’d say at this stage of my life, these are on my priority list
1. Relationship (gives meanings, purpose, enjoyment to life)
2. Health
3. Time
Both needed for #1
4. Money(also required but more replaceable than #2,3)
5. Sleep
1. Relationship (gives meanings, purpose, enjoyment to life)
2. Health
3. Time
Both needed for #1
4. Money(also required but more replaceable than #2,3)
5. Sleep
Posted on 8/14/26 at 3:17 pm to Everyday Is Saturday
There’s a saying that young Americans trade their health for money and that older Americans trade their money for health.
There’s definitely a balance. If you don’t grind when you’re young you may not be able to retire at reasonable age. You certainly don’t want to be doing a job you hate in your 70s.
There’s definitely a balance. If you don’t grind when you’re young you may not be able to retire at reasonable age. You certainly don’t want to be doing a job you hate in your 70s.
Posted on 8/14/26 at 3:57 pm to vistajay
Just back from gym. Uncanny moment. I’m shooting basketball while older fella is walking laps around the court. We get to talking. He is 68, retired now 2 years, and was recently diagnosed with dementia. In good spirits. Said he won’t remember my name next time he sees me.
Punctuation point on the Health/Time value point…in real time. Prayers for him.
Punctuation point on the Health/Time value point…in real time. Prayers for him.
Posted on 8/14/26 at 4:32 pm to Everyday Is Saturday
One of best aspects of early retirement has been time and energy to commit to fitness. Establishing and maintaining a routine is much easier without work demands on time and frequent schedule disruptions. Also not neglecting medical issues like I did while working and much more likely to follow up instead of letting things linger. Next, looking to amp up spending on fitness and longevity but reluctant due to fear of being ripped off. Like to get a personal trainer and/or longevity clinic for hormones/peptides etc but dont know how to find legit ones.
Posted on 8/14/26 at 5:06 pm to Everyday Is Saturday
Yeah.
Posted on 8/16/26 at 8:46 am to LSUSports247
quote:
I would take health over money any day! Can’t buy more time.
But it will in the future if these breakthroughs in gene therapies comes to fruition.
Posted on 8/16/26 at 8:47 am to Everyday Is Saturday
I would pay it. I focus on health and have most of my life. I make sure to prioritize it in my early retirement years. I still hit the gym multiple times per week. Alcohol is my biggest vice. Every night is Friday night. I am working on cutting back.
Posted on 8/16/26 at 9:41 am to Everyday Is Saturday
I'm 61 and feel like I can still do anything I could do at 25. Then reality comes crashing down and realize I can still get it done but with more time and effort.
Most people would consider my choice to retire at 60 risky and maybe it is but I'm living a great life while making money to boot. If it's at all feasible to retire after 55 then make the jump.
Most people would consider my choice to retire at 60 risky and maybe it is but I'm living a great life while making money to boot. If it's at all feasible to retire after 55 then make the jump.
Posted on 8/16/26 at 8:16 pm to BCvol
quote:
I'm 61 and feel like I can still do anything I could do at 25
My son plays college football. He and I workout together over summer on occasion. I wanted to show him his old man still has it. I squatted more w/him and even did exercises that I would not have blinked at when 25.
Why do I share? My 25yo self did not feel either of these like my mid 50s self did the following days. Pride = copays!
Retiring 60 (or earlier) rings the bell with me more than you know. Father Time is a MF’er!
I retired 55. During football season last year, I had to travel to HK, Shanghai, and Beijing. Forced to miss multiple games. Hell no! Precious time. Final straw. Retired!
It’s been incredible!
This post was edited on 8/16/26 at 8:37 pm
Posted on 8/16/26 at 10:38 pm to Everyday Is Saturday
I don’t think you can appreciate health enough. My son had some friends who are some of the richest family around, but they are often at a doctor or at home sick and unable to enjoy high school activities or just days.
I would chose health over wealth every time. But I still need a little to live on, so I don’t want to be healthy and flat broke lol.
I would chose health over wealth every time. But I still need a little to live on, so I don’t want to be healthy and flat broke lol.
Posted on 8/17/26 at 6:40 am to Everyday Is Saturday
“Investing” in health and fitness in younger years is a critical element of retirement planning. Couldn’t agree more. Focusing only on money totally misses the point. Good health is A LOT more important than money and you can’t put a price on it.
Posted on 8/17/26 at 10:59 am to Everyday Is Saturday
My path was somewhat parallel to yours and I’m 65 now. Been retired since 55 but been active taking care of a farm and fishing camp. I’ve always eaten pretty healthy but stopped playing sports around the time I retired and don’t enjoy running, especially in this heat. I live in the country so no clubs nearby.
I recently decided to build a multi sport court at my home; basketball, pickleball and volleyball. Waiting on quotes now but it looks like it’s gonna run around $40k, which I will gladly invest for the health ROI, not to mention the fun for me and family who all love sports.
I recently decided to build a multi sport court at my home; basketball, pickleball and volleyball. Waiting on quotes now but it looks like it’s gonna run around $40k, which I will gladly invest for the health ROI, not to mention the fun for me and family who all love sports.
Posted on 8/17/26 at 11:42 am to PlaySomeHonk
quote:
I recently decided to build a multi sport court at my home; basketball, pickleball and volleyball.
That’s awesome!
ROI will be off the charts. Good for you! Enjoy.
Posted on 8/17/26 at 11:51 am to Everyday Is Saturday
The concept of “health” is fake
They feed us poison so we buy their cures
Everybody needs to lose like 50 pounds
They feed us poison so we buy their cures
Everybody needs to lose like 50 pounds
Posted on 8/17/26 at 3:58 pm to el Gaucho
quote:
The concept of “health” is fake
They feed us poison so we buy their cures
Everybody needs to lose like 50 pounds
You can stay way ahead of 95% of the population if you avoid the middle of the grocery store like the plague and take some agency for your health. Avoid becoming a regular with the medical industrial complex.
Posted on 8/17/26 at 7:38 pm to Everyday Is Saturday
Retire as soon as possible, most will run out of time before money. And if you don’t have any money then you have no choice to make.
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