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Cash-free you ask? While the promise of getting something-for-nothing may sound like a snake oil sales pitch―“Fabulous Investment with No Cash Down!!” -- in this case, it’s for real. Sure, lots of men and women spend big bucks on equipment and sports clothing, spas and fancy gyms and personal trainers. But aside from buying a decent pair of sneakers, you may not need to spend much cash to launch this part of your personal portfolio.
Third, exercise takes time―but on balance, it may actually save you time. Regular exercisers swear by this seeming contradiction, explaining that because exercise gives them more energy, helps them focus and puts things in perspective,[link widoczny dla zalogowanych], they are more efficient.
Think of exercise like your piggy bank (OK, a lithe, physically fit, aerobically conditioned piggy bank!). If you regularly invest a modest amount of time, you’ll likely find as the years go by that you’ve racked up savings in three areas:
Second, you will likely save yourself from emotional stress. Exercise is to mood and self esteem what yeast is to dough: a leavening agent. That is, it’s a well-known antidepressant. And, to the extent that staying fit keeps you healthy,[link widoczny dla zalogowanych], you also save the aggravation and sheer inconvenience that often accompany sickness.
First,[link widoczny dla zalogowanych], you can save hard cash. You’ll save by not spending on doctors’ visits and medications.
There are different ways you can invest your time in physical activity. And, it’s smart to spread your time amongst them, the same way it’s smart to have a balanced portfolio of stocks,[link widoczny dla zalogowanych], bonds and cash. Of the four basic kinds of exercise recommended by the federal government's health experts, it is healthy to include each type in your weekly routines: 1. endurance exercises like walking or jogging which improve the health of your heart, lungs, and circulatory system, 2. strength exercises which build your muscles and make you stronger, 3. balance exercises which help you prevent falls, and 4. flexibility exercises which help keep your body limber by stretching your muscles and the tissues that hold your body's structures in place. There are elegant and enjoyable ways to combine these. Indeed, you might be surprised to learn that the most ancient of all forms of exercise―dancing―actually combines all four of these elements. (See excerpt below). For more on specific routines, you can obtain the free Exercise Guide, which specific exercises of each type from the National Institute on Aging. Call (1-800-222-2225) or go to
As with financial investments, people often aren’t sure how much time to put into physical activity. And (as with money) what the experts say might alarm you. Recent guidelines, issued as part of the nation’s wake-up call to fight the obesity epidemic in the US, suggest that Americans exercise 60 or even 90 minutes on most days. But that’s a goal, not a mandate. You can aspire to it. And this doesn’t have to be done all at once. It’s fine to split that time up―take a few 15-minute walks, or stretch along with your favorite TV exercise program, or climb the stairs rather than use an eleva
Overall, experts say that regular moderate exercise helps rather than hurts most people as they move up in years. Of course, nobody can promise that good health will automatically follow if you exercise religiously. But engaging in regular exercise in general increases an individual’s chances of staying well. According to the National Institute on Aging, people 65 and over become sick or disabled more often from not exercising than from exercising.
Physical fitness can be a cash-free retirement investment that pays off handsomely.
And that’s because what you’re investing is not really money―but your time and energy.
People are always talking about investments for retirement. Financial investments, that is. If you start treating your health as an investment, though, you could find that exercise is a terrific retirement strategy worth its weight in gold.