Fitness and your Finances

This post is fourth in a series of six articles on how fitness benefits many other areas of your life.  So far, we’ve discussed how challenging fitness regimen can improve your productivity, disposition, and relationships.

Today, we’ll investigate the connection between your fitness and finances.  Although at first glance these two subjects may seem to be unrelated, in fact there are many aspects of these two areas that affect each other.

Money money money money

Your Premiums

The first and most obvious way that your fitness affects your finances relates to your medical care.  As we all have become clearly aware, medical costs have skyrocketed in this country in the last several years.  Medical insurance premiums climb and climb, and take a big chunk out of your paycheck when payday comes.  Oftentimes, we can feel powerless in this situation–but there are things you can do to improve this situation for yourself and your community.

Much research has been done relating the effects of exercise on a person’s health.  It has been clearly demonstrated that regular exercise benefits the body in many ways, including improving heart health and reducing diabetes.  Insurance companies do a myriad of tests to see what kind of shape your body is in before issuing life or health insurance, since they know that your fitness and health have a strong impact on the amount of medial care you will need.

A Grassroots Solution

While our politicians argue about the best way to handle healthcare from a federal perspective, we can take steps now to improve our own health personally–helping to solve the problem from the ground up.  Over time, a nation of healthier people will require less medical care, and insurance companies will be able to charge smaller premiums while maintaining their margins.  As we’ve stated before, there’s no question of the link between exercise and good health–the problem is that so many just aren’t doing it!

Making Time

Often, when people are asked why they don’t exercise, even though the health benefits are so clear, they will answer, “I just don’t have time.”  While I’ll always contend that such an answer is always just a cop-out and should really be translated, “it’s not a high priority in my life,” it is certainly true that we Americans are busy.  It’s easy to fill our schedules with work, family, and play, and if we’re not careful, our week can full up and we’ve never made the time for a fitness regimen.

But by recongnizing the link between exercise today and health tomorrow, we can find the motivation to put on those gym clothes at 5 AM.  By further recognizing the connection to our health and our pocketbook, this motivation can become even stronger.  As we’ve discussed, the more of us who make fitness a priority and improve our health, the lower our healtch care cost as a nation can be.  And of course, insurance premiums aside, going to the doctor pulls directly from your account as well via co-pays and deductibles.

Get Wealthy and Fit

So, the next time your buddy gloats about the Carrabean cruise he’s going on that you can’t afford, think about the connection between your fitness, your health, and your pocketbook.  Use that understanding to motivate you to get in the gym and fuel a total commitment while you’re there.  As you know, the beauty of the ThriveFit program is that it’s a very short time commitment (most workouts take less than 10 minutes), but in order to reap the fitness benefits you want, your workout must be at full throttle.

Years later, when you invite your buddy out to your lake house for a summer vacation, you’ll not only have surpassed him financially, but will look better in your bathing suit too!

The Effect of Fitness on Productivity

This post is first in a series of six articles on why you should care about fitness.  We often don’t realize how investments in one aspect of life provide benefits not just in their own realm, but in many other areas of life as well.

Adopting a fitness regimen will not only make you more fit, but will also affect your career, your marriage and other relationships, and your disposition.  In this post, we’ll explore how fitness pays dividends in your productivity.

The enemy

Many of our jobs involve something quite harmful to the production of quality work and creative thinking–a desk chair.  Study after study indicates that one of the most dangerous things we do in our daily lives is spending long periods of time sitting in a chair.  Read here for more detail on the studies backing this claim.

Desk Chair After

Look at it this way–your body was made to move.  God did not give you muscles, joints, a cardiovascular system and a digestive system so you could sit still all day.  Your body is a machine designed for a purpose, and when you don’t engage your body’s systems properly, it doesn’t work properly.

The first step

The good news for those of us who’ve adopted poor fitness habits is that the body is incredibly adaptable.  If you will start incorporating movement into your daily life, your body will adapt and get stronger and fitter in a remarkable way.  One very simple way to get started is to find a coffee machine, water fountain, or any other excuse that’s a good distance from your desk.  Make a habit of getting out of your chair and walking to your excuse of choice once every 1.5 hours or so.  If you can walk up and down a flight of stairs along the way, that’s all the better.

The next step is to find 15-20 minutes a few times a week to start engaging your body in a more strenuous workout, pushing your limits and giving you big gain potential.  Walking around the office is good for getting your blood moving and keeping your chair from killing you, but to truly engage your body’s systems and reap the productivity benefits, you’ll need something more challenging.

Where can your workout fit?

I’m blessed to have a small gym and shower facilities at my workplace, so I’m able to workout over lunch most days.  This is ideal, as it really allows my body and brain to be kicked into high gear for the afternoon.  It’s amazing how a morning that was quickly turning into drudgery and poor quality output can be turned around by a lunchtime workout.  Even if you can’t make this happen at your job, can you get a workout in before you come in in the morning?  Or ride your bicycle into work to get your body’s systems going before you boot up your computer?  Use your creativity to find how a workout can fit into your day.  Remember, our fitness philosophy here at TotalThriver revolves around short, high-intensity workouts with functional movements requiring little equipment, so there’s incredible flexibility in terms of where and when you can workout, and the time commitment is quite minimal.

In summary, we’re advocating a strategy of moving from your chair every few hours and working out as near to your work time as possible.  The most dramatic evidence for just how effective this is at boosting productivity and creativity is available directly to you.  Try this:  ramp up over a period of a few weeks until you’re doing a challenging workout 4 out of 5 workdays per week.  You will notice a dramatic difference in your capabilities when compared to where you were before you began the regimen.  Also, you’ll notice that anytime you have to miss a workout (for a meeting, a sick kid, etc.) that you’re just not at your best on those days.  It almost feels like someone stuck with you with a needle and is sapping energy out of you.  Once you feel the new capacity that this fitness regimen gives you, you feel like you’ve been cheating yourself out of so much latent ability that you never knew you had.

Test the claim

The great part is, this new productivity and energy level that you get from the fitness regimen can be a great motivator for keeping with the program.  On days that I miss a workout, I know that I’m not able to put forth my best on the work I’m doing, and I desire that workout tomorrow all the more.  When I get back in the gym and pour my all into a hard workout, I get such a feeling of satisfaction and my body is so thankful to get it’s systems moving again.  Best of all, when I head back to my office for the afternoon, I’m energized and refreshed, and my tasks are knocked out with quality, creativity, and excellence.  If this sounds like the kind of productivity boost you’d like to add to your day, why not head over to the ThriveFit page and give workout #1 a try?  You can test these claims for yourself and see the tangible benefit in a very short time.  Be sure to ramp yourself up gradually into any new program to reduce injury likelihood and to keep you from falling off the bandwagon after a week and a half.  Keep the workouts short, the form correct, and the intensity high!