Why Neglecting Your Health Is Killing Your Wealth

The Silicon Valley Investors Club is excited to have Colin Triplett, from Mint Condition Fitness, join us to share how focusing on your health will help you increase your wealth. 

You already know that you “should” exercise, eat better, and learn to manage your stress. And yet, if you are like most people, you are more worried about your wealth than your health. 

You work hard to support your family and plan for a worry-free retirement, but if you are not investing in your health, you are in for a rude awakening.

While you are grinding away, putting in long hours to set yourself up financially, there is someone just like you who is working less and making more for one simple reason: They put their health first. 

Top 5 Reasons Healthy People Make More Money

So why does taking care of yourself equal more money? There are many reasons, but let’s focus on the top 5:

1. You make better decisions.

The quality of your decision-making is the most important factor in determining your success. When you engage in rational, long-term thinking, you win. When you are reactive and make decisions based on fear, you lose. 

Research has shown that both exercise and mindfulness have a direct impact on the cognitive functions that make up one’s decision-making. If you are tired of suffering the consequences of poor decision-making, it’s time to rethink your priorities. 

2. You have more energy.

What you are able to do each day (and how efficient you are) has a direct connection to how productive you will be. Just think about all those afternoons wasted when you are tired, lethargic, and foggy. 

With as little as 60 minutes a week of exercise, you can boost your energy and productivity to help you accomplish more each day. 

3. You handle stress better.

Stress can be good or bad; it’s about how you handle it. When you are exercising, eating right, and practicing mindfulness techniques like meditation, you set yourself up for success by turning stress into a growth opportunity. 

When you are not handling stress well, you’ll know it. You will feel overwhelmed, shut down, and unable to be proactive in moving toward your goals. 

Related Article: Using Stress to Your Advantage

4. You feel happier.

“Success is not the key to happiness. Happiness is the key to success.” —Herman Cain

If you want to be successful, you need to do what makes you happy first. When you are taking care of yourself and achieving balance in your life, you will feel happier. 

And when you are happier, you have the mental space to allow you to think creatively and solve the key problems that stand between you and your goals. 

5. You live longer.

The first thing you learn when starting to build wealth is that the longer your time horizon, the more opportunity you have to let your money grow. 

Research has shown that staying active can boost life expectancy by up to 10 years! That means that even if you were only earning 5% on your money, people who stay healthy can grow their wealth by 60% more than people who don’t. 

Wealth Without Health Is Worthless

Now that you know how taking care of yourself is going to help boost your wealth, let’s talk about the second, even more important, part of health: It doesn’t matter how much money you have if you do not have the health to enjoy it. 

Having spent 11+ years helping people to regain their fitness and focus on making their retirement the best years of their life, I know just how bad it can get when you over-commit to wealth at the expense of health.

Medication, surgeries, injuries, anxiety, and depression: These are what people are struggling with when they wait too long to take care of themselves.

Can you work your way out of some of these things? Yes. Is it hard? It depends on how much you have neglected your own well-being.

Let’s Review…

When you exercise regularly, eat well, and stay centered, you make more money. Why? Because you benefit from these great effects:

  • Better decision making
  • More energy
  • Less stress
  • Increased sense of joy
  • A longer life

So, if you not only want to boost your net worth but also your ability to enjoy it, then start making your health a priority today!

Silicon Valley Investors Club (SVIC) is a global community of STEM professionals interested in making smarter investment and career decisions.

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5 days ago

TL;DR: does anyone know of a lender who will either:
* Lend on a second home that is 30-35 miles from a primary residence.
* Do a $750k cash-out refi (<=75% LTV) on a primary residence and can commit to close on it in <30 calendar days (to use the proceeds for the above purchase).

The longer version is that I'd like to buy a place closer to the office on the bold assumption that I ever work in person again. The problems I've encountered:
* Wells Fargo won't do a second home loan unless the house is >70 miles from my primary residence (IMHO stupid as the office is >70 **minutes** from my primary residence or I wouldn't be willing to tie-up the money doing this).
* Wells Fargo will do an investment property loan, but the interest is 1% more than a second home loan, and given the interest won't be deductible because I'm already at my interest tax exemption limit, it makes no financial sense.
* Wells Fargo isn't doing cash-out refis or HELOCs, period (and hasn't since April).
* Most lenders don't expedite refis and so they take >30 days.

I haven't contacted anyone else yet. Obviously I know of many other lenders, but if I start calling all of them sequentially and explaining the above each time, it will be a very long day.
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Mike Fuller good to hear from you, sir. Let me check my network. What city is this property located?

I’m in a similar boat and found a broker who could help me out but can’t get it done in under 30 days without a much higher rate at a different lender

Btw word has it Chase may allow this. I'll speak with someone there tomorrow.

Fwiw I've been running into all these same problems with big lenders, and I don't have a solution

I've haven't had much luck with the big banks either. I got more positive feedback from CoAmerica, Star credit union, and brokers with LTV

FirstRepublic did a cash out refi but it was on investment property. But worth checking with them.

Mike Fuller see below for my lenders response. Lmk if this helps.

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