Most of us are keenly aware of the mental and physical benefits of exercise.

Unfortunately, more than 80% of Americans don’t get enough exercise, according to estimates by the U.S. Department of Health and Human Services.

But hey, at least we’re trying!

This week’s Wealthy Retirement survey found that two-thirds of respondents set personal exercise goals for themselves.

The bad news is that only one-third of them are meeting or exceeding those goals.

Exercising is a lot like putting money away for retirement. It’s hard to get motivated to do it. Sure, we know it’s good for us in the long term, but the habit gives us little immediate gratification.

Here’s the thing: The drive needed to stick to an exercise plan is the same as the one you need to save for retirement.

Like exercise, saving for retirement isn’t easy. It’s hard, and sometimes it hurts. But if you’re able to get through some short-term pain, you’ll reap substantial rewards in the future.

If you don’t use it, you lose it. Your muscles will weaken if you don’t get enough exercise – and that includes your heart. Losing muscle strength leads to reduced mobility and falls. Injuries like a broken hip can easily force you out of your home and into an assisted living or other care facility…

And the costs can quickly gobble up your entire retirement savings.

Reaching your exercise goals today can really pay off later in life! So find something you like and stick to it.

Working out doesn’t have to be work. Find something you enjoy.

Don’t like the gym? Do what I do: Don’t go.

I go for a long, brisk walk with my dog every morning. Then we go for a hike in the evening after I get home from work.

Some of our readers get their exercise on the golf course or tennis court.

It won’t take too long for exercise to become a good habit. And if you want it to stick, try working out first thing in the morning.

A study has found that if you want to add a new behavior to your routine, earlier is better. So give that morning workout a try.

For a longer, happier and healthier retirement, get moving! Stick to your fitness goals so you can better enjoy the rewards of reaching your financial ones.

Good investing,


P.S. What strategies do you use to stay on top of your fitness goals? Have any particular goals been especially motivating for you? Share your ideas by commenting below!

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