Planning for Retirement? Remember Health is Wealth
So you have taken the time to create a financial plan for retirement; but are you on track to take care of your BIGGEST asset?
With the average age of life expectancy on the rise in Canada; I am sure you have heard of the term “Financial Health”. So with Canadians living to the average age of 82, it only makes sense that more individuals are seeking advice on money, savings and investments to insure that they have the financial security they need for their retirement years. However, one aspect of retirement that is commonly overlooked is an individual’s personal health. If you have spent years of your life dedicating yourself to your work and have taken the time to save for your future; Would you not want to make sure that you can physically enjoy it?
Although the life expectancy is on the rise, so is a sedentary lifestyle which is a contributing factor to dementia, Alzheimer’s, stroke, heart disease, diabetes and cancer. The World Health Organization has stated that “Inactivity is a global public health issue that is the leading cause of disease and disability”, and the only way to begin to combat this is by adopting a healthy and active lifestyle.
The current Canadian Physical Activity Guidelines state “To achieve health benefits, adults between the aged 18-64 years should accumulate at least 150 minutes of moderate to vigorous intensity aerobic physical activity per week. It is also beneficial to add muscle and bone strengthening activities using major muscle groups, at least 2 days per week.”
Despite many people acknowledging that physical activity has its benefits, the biggest challenge we are facing is changing the mindset that physical activity must be prioritized and a part of daily living.
A few simple tips on how you can start adding more physical activity to your daily life are;
Set a Goal!
Just like financial goal setting, it is important that you plan out your fitness goals and set timelines. Maybe it’s increasing your energy, an activity you would like to participate in or a trip you would like to take. Perhaps you are looking to lose weight, reduce aches and pains, relieve stress or just want to improve overall health. These goals will help keep you on track and maintain the motivation you need. Every accomplishment, no matter how small it may be, is a reason to celebrate
Find an Activity that You Love!
Maybe you enjoy dancing, walking, swimming, strength training, fitness classes or yoga. Many fitness studios or community centers offer a variety of programs for all ages and fitness levels. There are also many options for activities that you can do at home and get your family involved in. When you participate in activities that you enjoy and that bring happiness, you are more likely to stick with it long term.
Your Tribe is Your Vibe
Surround yourself with Friends, family or your co-workers that share in your vision and get them involved. Many businesses now offer corporate wellness programs and there are also many studios, fitness facilities and recreation centers that have amazing culture, lifestyle challenges or fitness communities that can provide some additional motivation and support.
Seek Professional Advice
If you aren’t sure where to start or are new to fitness, it’s OK! It’s never too late to start. Programs are available for all fitness levels and ages. Many fitness professionals offer complimentary consultations that can provide you with lots of helpful tips on program design, exercises or types of programs that would complement your fitness goals.
So when taking the time to plan for your retirement, don’t forget to consider your health and wellness; without it you won’t be able to truly enjoy your future plans. It only takes 2.5 hours per week or 21 minutes of your day to ensure you have the opportunity to play with your grandchildren, take that cruise you’ve always dreamed, travel the world or live out your days pain free.