December 16, 2025 • 32 mins
Want to be a millionaire? It might start in the gym. As we head into the New Year, everyone is looking at their goals and their bank accounts—but did you know they are directly connected?
In this episode, Mike and Mikey (fresh off his first week of fatherhood!) dive into the economics of health. We break down the hard data showing how physical activity directly impacts your salary, your future healthcare costs, and your ability to retire wealthy.
We discuss:
- The "Fitness Tax" on Your Salary: Research shows that for every fitness level lost, household income drops by over $3,400.
- Investing in the "Bank of Tomorrow": How being active in early adulthood saves you nearly $2,000/year in future medical costs.
- Insurance vs. Results: Why using your health insurance for rehab ($50 copays x 12 weeks) might actually be a worse investment than paying cash for personalized care.
- The Home Gym Hack: How to build a full home gym to have long term savings
- The Million Dollar Math: We run the numbers on compounding interest to show how staying healthy enough to work just 5 extra years can turn $1.1 million into $1.8 million.
The best time to start investing in your health was yesterday. The second best time is today.
Disclaimer: Although we are healthcare providers, we are not your healthcare providers. This content is for educational purposes only. Please consult your physician before making lifestyle changes.
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Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
Speaker (00:06):
Welcome to the podcast.
A podcast by healthcareon how to navigate your health
The podcast is hosted by MikeBruno, a chiropractor and
athletic trainer, and me,Michael Stanton, an athletic
trainer and certified strengthconditioning specialist.
Although we are healthcareproviders, we are not your
healthcare provider.
We will discuss general healthinterventions in this podcast,
but you should not take that ashealth advice that works in
(00:27):
every situation.
Before doing anything on yourchanges, please consult with
This podcast and this podcastjobs and our own opinions.
If you're enjoying the podcast,please leave us a review on your
listening platform and or likesubscribe to our podcast at
YouTube.
Thanks to our show can be foundin the show notes on any
platform that you are listeningto.
(00:50):
So real quick.
I've been a dad for one year JKThat's how long it feels though.
Um, was that on purpose?
No. Oh my goodness.
Um, complete side note, butmarried what, two months?
(01:10):
Three months.
Mhm.
And Erica was at the gym.
My office is in working out andlike, oh, this like I was
this is my fiance, Erica.
And I pointed to her and hisface like he went white as a
ghost.
And I was like, what are youWhat could that face possibly
(01:31):
And I turned to her and she'sShe's like, I'm your wife, not
And I was like, my bad.
The transition's tough.
Yeah, because, like, fiance havebeen saying, what, two years or
so, like.
Yeah.
You know, but hey.
Yeah.
We're happy.
Yeah, exactly.
And one weekend, uh, I can tellYou know, you wake up middle of
(01:54):
go back to sleep, you wake up,You know, he he peed on our bed
them on our bed.
And then as you're changing, asyou're changing, he pees
everywhere.
He's a boy, so it's just there'sUm, so my morning started with
Hey, at least you're not peeingNo comment.
(02:17):
Um. Oh, man.
So a couple housekeeping things,everything going on.
So as as I, as we talked aboutunquote episode where I just,
where I just kind of review,Um, so they'll actually already
(02:40):
be by the time this podcast getsposted, there'll already be an
episode out.
Um, comes out this upcomingBrothers, like, they're still
But like Nick Jonas, also hasExactly.
That's what's happening.
I'm in full support.
There's no drama here.
Yeah.
And so it's always it's going toThere are ten to fifteen
(03:01):
It's really me just deep divingthe news that's like, oh that's
going on right now.
Let's let's see if there's anyLove it.
Um, so yeah, there's that.
They are part of it with being aUm, we'll, we'll start having a
blog post that comes out aboutkind of our me and my wife, um,
(03:24):
how our journey is going, beingparents.
So I can tell you one weekendUm, maybe some people learn from
Maybe some people are alreadyReflect on it and go and go, oh
yeah, I remember when we dealtwith XYZ.
So not that we're perfectWe're we're along for the Yeah.
(03:45):
We're trying to.
Yeah.
Figure it out along the way forUm, and I'll probably look at
I'll probably fact checkUm. Only you.
Only the mother who definitelyActually, according to the.
Yeah.
(04:05):
The mother who works with kids.
Yeah.
She works as a therapist.
Yeah.
Yeah, yeah.
Um, man.
Alright, so we're gonna get.
Go ahead, get started.
So we're talking money, money,Um, I can't believe you spoiled
I was going to say, if anyoneimpersonate, please let us know.
(04:25):
Damn it.
Sorry you blew it.
So as we approach New Year's,it's where you know your New
Year's.
You got new goals.
Where should your money go?
And so I, I, I'm going to bringup some research first for Bruno
and kind of, kind of and get hisinput on it and some of its
recent.
So there's actually a studytwenty twenty one where it
(04:47):
looked at healthcare costs laterin life, depending on how
physically active you wereearlier on.
Okay.
So and the general gist is thatare earlier in life, you're
annually on health care costs.
It was the the the people thatbeing active in early adulthood,
(05:11):
seventy four dollars averageas as they continue to age.
Now there's also the people thatdidn't get in till later in
life.
They say they went middle ageThey actually they kind of saved
closer around to somewherebetween eight hundred to
thirteen hundred dollarsannually.
Still nothing to sniff at.
(05:33):
You know, that's to me, that's.
Yeah, that's less than a gymUm, and so some stuff to really
And then for adults thatactually decreased activity
through adulthood.
So think about people that aresuper active early on thirty
forties.
And then they kind of just fellUm, they still had some
Not as much.
They those that decreaseddollars through adulthood.
(05:57):
So. So all right, there'sthere's two like, isms I like in
this situation where, um,investing in the Bank of
tomorrow.
Um, I'm sure you've heard thatSo it's you like, when you
invest in your own health orsorry, you're you are going to
(06:19):
invest in your health at somepoint.
The question is just going to beYeah.
So a small gym membership todayis inconsequential compared to
later on down the road, let'ssay ignoring your health for
twenty years and then needinghip replacements or knee surgery
or whatever.
Mhm.
So it's do you want to solve awilling to take the risk that
(06:46):
need to solve a bigger problemSo the common investing advice,
switching to the finance side ofit, it's not about timing the
market.
It's about time in the market,So yeah very common.
Like saying yeah.
So like right it's hey thelonger you're doing it for the
more likely you're going to bebetter off.
(07:08):
And one.
Really.
Yeah.
It's literally cost saving Yeah.
It is compounding interest.
So like I have clients who likestarting their like health
their forties and 50s.
And they might have like beenactivist kids taking a lot of
time off and getting back intoit.
When we get into things thatagility and jumping and stuff,
(07:35):
nervous because they're like, Ibut the people who, let's say,
college athletes, they're muchtheir nervous system.
And like now where it's like,for so long.
And now we're like creating ando it again.
Gotta like, knock the rust off amore, uh, adaptive in that
(08:01):
never done it before.
It's just the ramp up period,So the person who's never done
different path, can still getthose prior investments will
Yeah.
And I also.
Right.
And I kind of like the factAll right, there's also the, the
even if you get started laterthere's still cost savings like
(08:24):
right.
There's also a never too lateIt is never too late to invest
Yeah.
For sure.
Yep.
Um, kind of going off that too.
So like, right, if you'rephysically inactive, you're
going to end up, um, you know,probably more long term health
consequences.
Um, right.
That's going to be court that'sgoing to cost you a lot of
(08:44):
money.
And, you know, there's a there'sUh, there's actually a twenty
Um, our neighbors to the north,Well, I don't know.
Uh, we we have a big Germanfollowing, uh, those number one
health podcast in all of Germanspeaking countries except for
(09:05):
Germany.
Except what movie is that from?
You don't know.
I don't know if you can nameI will be so impressed.
Uh, so.
But.
Right.
Those who are physicallywith increased hospitalizations
Right.
That is like directly going toCost you more money.
Mhm.
(09:25):
Mhm.
Yeah.
There's honestly like I won'tgive any context as to who this
person is.
But I had a conversation wheretheir sixties, they were like I
going and walking around thelike actual exercise, my heart
(09:51):
And I was like, what a crazy waySo individual has had prior knee
very sedentary right now.
And like we said on last week'sWalking is a no brainer.
We should all be getting ourRight?
Like that is.
(10:12):
That aside, could you imaginelooking at the world where like,
bringing your heart rate up inany capacity is like, no, no,
no. Yeah.
Like especially not like we'reyoung, healthy people in
general.
Like I don't think I can I canLike I don't think I ever will
that causes me to have to startBut yeah, I can't.
(10:34):
Yeah.
I can't think about it.
That's not how.
Yeah, that's just some back.
Like unfortunately that's justLike I even actually experienced
where they're like, you gotta beLike you could like have a
I'm like, first of all, I don'tis like that has like
because I've done so mucheight hundred pounds like that's
(11:01):
But sorry, enlarged heart.
What are you talking about?
Um, but yeah, to your point, is,like, health, pain, there's
So in your point, it's like,increasing your risk at injury.
It's like if you're doing itUm, but if you do, if you work
(11:23):
out smartly, I would argue it'sdecreasing your risk over
increasing because you're doingstuff that's like safe,
efficient, enjoyable.
All that stuff that we alwaysAnd what you're actually doing
is decreasing your injury riskover time because you are
getting better at all thatstuff.
So if and when you encountersomething in the real world
where you have to move a fridgefor your friend or like do
(11:45):
something like weird and active,it's like you are so prepared
and confident based on all ofyour training.
It's literally like, you gottaYeah, practice how you play,
And that's why I'm going tangentYou see all these old people,
(12:06):
fall, fracture their hip, don'tLike, because they get sick in
not able to bounce back.
Usually what it is that.
I mean, you can tell me theresearch on this, but it's not
that they stepped off a curb andthey fell in the fall, broke
their hip.
(12:26):
It's just the force of steppingoff the curb, broke their hip,
and that's what caused them tofall.
So they're so osteoporotic.
Yeah.
Yeah.
Their bones are so brittle thatThe impact of stepping off a
makes them fall, and then alldisease and all that stuff in
(12:46):
environment where,them, like, literally don't make
Yeah.
And it's like, how much of thatyou've just been.
And, you know, we're not sayinggo, meathead, but just like a
general strength program thatadapts as you age, and doing it
smart and efficiently towardsyour goals literally can save
your life.
Like no exaggeration.
Yeah.
No, no, that's very true.
(13:08):
Um, I think it's more of aGoldilocks approach with all
physical activity.
And even in some of thislike the people that were super
standpoint, they were actuallyfourteen hundred dollar range.
Uh, they weren't as close tosaving eighteen hundred dollars,
right?
So, like, you know, that theprobably the people that are
(13:30):
things like that, like that's aLike your body may not be
Like they're going to get abunch of benefit from it for
sure.
But like they're going to have awear and tear of cartilage and
The yes, when you're going tothink of, like the crazy
(13:51):
runner and all that.
And overuse is a fear for peopleoverusing this, but those people
speak, that capacity, are soLike it's going to take a lot to
Yeah.
(14:11):
So if there the conversation Ithem like type A like driver
your workouts look like this,like this, yours look like this.
Cool, right?
That means all your recovery andYeah, because where that
disconnect falls is like, if youtrain like that, but you recover
(14:32):
like this.
Meaning like your sleep'sterrible, hydration, whatever
All your recovery methods likethis gap is where injury
happens.
So like that's the conversationpeople because like, you know,
an Olympic athlete.
Go nuts.
It just has to look a certainSo you're not, you know,
(14:53):
stuff, like surgeries and painYeah.
So moving on.
I want to look at incomes foror physically inactive.
So yeah, there's actuallyUm, so there's research they
mobile, uh, people are and theirAnd they had different levels of
(15:14):
like what, how active peoplewere.
Um, for every fitness levelthree thousand four hundred and
Okay.
So being physically or not, theless physically active you are,
the more that impacts yourincome, correct?
(15:36):
The less physically active youare, the less money you make
according to this researchstudy.
Wow.
Okay.
Um, and then it also goes aboutpeople who stopped being
physically active compared tothose who continued to be
active.
They made six thousand fiveAnd then if they were also
less likely to still be working.
(15:58):
So that means true, right?
So if they're so pretty muchfollowed people along for ten
Right.
So not only are they makingless, they're also not working
anymore.
So that means let's say you'reYou're not seeing that eighty
an annual basis anymore.
Yeah.
So now it becomes a compoundingeffect in the opposite
(16:20):
direction.
Mhm.
Yeah.
I mean your something I alwaysyou're faced with, like you are
decision that is going to likegoals or away from your goals.
Like it might not feel like itThat's why you have to have
problem is, right?
But it's like, hey, I'm notLike that's a choice either.
(16:44):
I'm not going to work out todayit's too cold outside, right?
Like, maybe that's not a goodchoice for your overall goals,
but it's like, hey, I trainedreally hard the past couple
days.
My body's really beat up.
Like, I need a day to recover.
Like, that's a choice towardsSo it all depends on the context
of like how you're having theconversation, um, with yourself
(17:05):
and the.
I feel like we always keepcoming back to like the minimal
effective dose.
So that will constant if youknow if we've ever defined that
It's like hey you start youProgressive overload is like you
(17:27):
Let's just say you can do fiveOver time, five push ups become
Then you can progress to ten,My uncle asked me this question
maybe last summer and startedoff doing ten push ups every
morning.
That's that was his startingHe was either late sixties or
Um, he just told me a story likeHe was in Colorado, um, at a
(17:55):
talking about how much push upsIn his tuxedo, he dropped and
Love that.
And like.
And how old is he?
Sixty.
Seventy.
And he didn't start until then.
Like.
Yeah.
So he went from like strugglingAnd you know he's not like going
Arnold Schwarzenegger in thegym.
But he went from doing ten everyThat was his starting point to
(18:16):
now being able to do fifty inthe course of a year, because he
was consistent with his minimaleffective dose.
He jumped when ten felt good.
He moved to fifteen to twenty toAnd now he was able to like far
So it all, it all stacks up.
That idea of compoundingYeah, yeah.
(18:39):
The compound interest I loveUm. All right.
So the next topic was does beingmore physically fit lead to
being promoted.
Right.
So there's no actual directSo I mean like but but so does
Right.
But what are the benefits ofRight.
(19:01):
You know there's cognitiveIt makes people hire hire more
productivity at work becausethey're able to think more clear
clearer.
There's improved memory.
So there's a lot of the presetsSo yeah I mean like do you want
No. But the like, are therereally good at training people?
(19:22):
Yes, absolutely.
But I'm not even talking aboutI'm saying people with desk jobs
Like, yes.
Are you being physically active?
Right.
You do your stuff in the morningexercise, snacks before doing
steps real quick.
All that's been shown to let youSo in theory, if you're more
(19:43):
Hey, maybe you get thisAnd it also speaks to the type
So you can you can say like,yeah, I'm a I'm a guy who's
disciplined, right?
Um, but if you look like a fatYeah.
How are you?
Right.
Compared to the guy who'sshredded, it's like he's
probably like he has to go towork.
(20:04):
Same punch in, punch out as you.
But he's he's getting it inWhether it's before lunch break,
Like he is clearly making thatthe active choice to go towards
Those are his goals, right?
Yeah.
You're the other person, right?
(20:24):
They could be like choosing workover their body, which is I hear
that all the time where itshouldn't be like a this or
that.
You shouldn't be have to chooseYou should have it set up in a
way where if you're trying tosucceed at work, the physical
activity is going to help you inthat direction.
You shouldn't create this.
I'm a big.
(20:45):
I should have my cake and eat itRight.
Like why not?
Yes, but cakes.
Probably a bad analogy.
Bad analogy.
I want to cook my steak and eatYes, yes.
But I'm not a big red meat guy,tuna and eat it too.
(21:07):
Tilapia?
Um, yeah.
But absolutely.
Like, there's there is a worldforget about physical activity.
There's a world where you cancrush physical activity, forget
about work.
But there is also a world whereyou can do both really, really
well.
Yeah.
(21:27):
For sure.
So now we're going to get nittyright there in pain.
And now they gotta start goingsomewhere and they gotta pay for
it.
Right.
So we're going to talk aboutUm, you know, a lot of people
probably get their insurancethrough through their healthcare
or, I'm sorry, through theirwork.
Um, and so typical co-pays forYou can tell what it is for
(21:51):
I just assume physical therapybecomes a referral more times
than none.
Um, um, so it's about twentyfor an insurance company.
Okay, so let's say you have aninjury and you get prescribed to
go three times a week for twelveweeks.
Mhm.
Um, to rehab your knee you haveSo if you're paying fifty
(22:17):
times a week for twelve weeks,Mhm.
And if you go there and all youdo are clamshells and you get no
follow up care unless you showup there and you don't get
better.
That was eighteen hundred Right.
Um.
So.
(22:37):
Right.
Not to say we're better thanUm, but like.
Right.
It's think about where yourfrom an insurance standpoint.
Like if you realize that maybeyou're not getting the
personalized care that youshould.
There's probably plenty ofdollars that can help you be
(22:57):
couple of weeks, as opposed toOh, one hundred percent.
The the two things that you canspend all your time and your
money.
So I have that conversation withOr honestly, clients tell me
them like the mill, right?
Where it's like everyone's doingIt's very cookie cutter.
(23:19):
They're like, I've done three,four or five rounds of that, and
every time I go in, I'm doingthe same thing as the guy next
to me, even though they're sixtyand I'm thirty and like, I want
to play sports and they justwant to be able to like, go for
a walk.
Our goals are so different, ourwe have the same three exercises
(23:40):
It's okay if you think like thatwhere you want to be, then it's
choose the cheaper option.
If you just need a car to goIt's like, does it matter if
I would argue no. Right.
But if you're trying to be ato want the Ferrari.
(24:04):
So the the important thing tostarting and B where you want to
proper vehicle to get you there.
Because for the most part, likewaste all that money, like with
and like doing the bare minimumfor time, because they have five
(24:26):
you're not going to get theto not only get the baseline,
So what, like people who come inthey're like, hey, like they
And even if I like baseline,Like, I want to get far beyond
So we're focused on being ableto make sure we identify the
(24:50):
real problem.
So it's we're not wastingAnd we want to know what their
So like after you get out ofpain is just a starting point.
So we get out of pain, then it'slike, okay, what happens after
that?
I want to run.
I want to lift this.
I want to do that.
Great.
Like, you will not leave ouroffice until we are doing that
(25:10):
confidently here.
And that when people experience,The other thing they're like,
So like that for the rightAnd I'm going to also say this
So I do some of this stuff at myAll right.
(25:31):
So I talk about like how much Ithe services I provide.
But then I also talk about timeAnd so right, like a typical
doctor's appointment in theresearch says by the time you
like call set the appointment,get there all the paperwork
this, this, that, that alone isgoing to be two hours of your
(25:51):
time.
And then you know, each for likePT for you, you know, each
follow up is at least, you know,probably an hour an hour of
time.
Well, that's like your time.
And how much money do you valueRight.
What is your your hourly rateAnd think about it from that
So like for me, because I'm intake off of work because they
(26:16):
physical therapy, but if I canhey, I saved you this amount of
and hours of you being able toSo like that.
That's another way to thinkefficient if you can find the
I mean, that's why, like, foodSo it's like, is it cheaper to
(26:43):
thing up and come back?
It always is, right?
It always is.
Yeah.
Is it like, what can youhour, right of, like, just like
to show up.
Like, you can clean your house.
You can like there's a lot ofSo like that, whatever.
Five, ten bucks for delivery ismore valuable than that.
(27:06):
Five.
Ten bucks.
Yeah.
And so kind of even kind of So.
Right.
I'm a big invest in gymIf you got the space buy the
So right let's say it's actuallySo let's say an average gym
membership not Planet Fitnessuh, is thirty is thirty dollars
a month.
And to be honest, there's plentymore expensive than that.
(27:28):
I'm just going very, very, veryRight.
So that's three hundred andOver five years, it's eighteen
hundred dollars for eighteenhundred dollars.
That's essentially what I paidhave a squat rack, barbell, all
So I have all the dumbbellbunch of bands and resistance
(27:53):
So it's a heavy investment upstuff's going to last longer
up by one hundred people a day,And I think the, the problem
like that choice comes down tocertainty, right?
What if someone is new tofitness and they're like, am I
(28:14):
really going to drop eighteenhundred bucks to like, build a
gym?
What if I, you know, stopit's a waste of money, right?
Because they're not in it forUm, but if they're like, oh, I
and like, if I, like, try beforequit, it's like they didn't
(28:34):
You know what I mean?
They're they're only sixty bucksin the hole or whatever the math
is.
So the I mean, you can look at,like, rehab and stuff the same
way, right?
It's hey, I want to use myI want the ten dollars co-pay
is going to work, so, like, I'dAnd if it doesn't work, then,
Because I chose cheaper insteadOkay, so if you had two options,
(29:02):
thousand dollars either way.
Right.
Mhm.
One of them there's a twentyOne of them there's an eighty
Which one are you going to pick.
Yeah.
Everyone's going to pick eightySo that's personalized care
(29:23):
But the the way that people lookat it is like, hey, this is ten
dollars a session versus likethree hundred dollars a session,
right?
It's like and there's noguarantee that one is going to
guaranteed work.
It's like, okay, most people, ifthey're not confident in the
system, are going to choose thecheaper option because it's less
(29:46):
risky.
Yep.
Right.
But if you're confident that oneis going to triple your chances
of getting better, all of asudden it's worth the
investment.
Yep.
Yeah, yeah.
So I want to going back towant to show like we talked
things like that.
So this investor.gov, uh, has aAnyone can go on and use it.
(30:11):
And so what I'm going to what Ikind of put in here is that a
monthly contribution of fivehundred and eighty three
dollars.
Why?
Five eighty three.
That's what allows you to maxFinance tip.
Um, we are not.
Yeah, we are not financialUm, like length of time in years
(30:31):
is ten percent on your money.
Okay, so we calculate that inpoint one million.
Okay.
If you invested five hundred andeighty three dollars over thirty
years.
Now to be a millionaire.
Now, let's say you continue toYou do all the things and you.
But because you are stillphysically active, you kept
(30:52):
working.
You enjoy what you do.
So you work for thirty fiveRight.
And we calculate that you're nowOkay.
Actually it's like one pointSo like right.
You're getting you're gettingIf you work another year or two,
Uh, there's a rule.
Every seven years yourUm, but like.
(31:13):
Right.
So that's like that is hugeactive so that you can do the
allow you to grow financiallyI mean, bringing it back to
Like the guy who pays me for myseventy, Probably older.
(31:33):
Yeah, exactly.
How long has he been doing that?
The right way?
Because he can clearly still runYeah.
Right.
So he is he's been doing thatHe is an expert at what he does.
Right.
I'm sure he's hit bumps andbruises and challenges along the
way, but he's still able tolike, do that if he's if he
(31:53):
picked up, if he picked uprunning like at fifty versus
thirty, like it'd probably be alot harder to continue to do
that.
Oh yeah.
For sure.
So.
Right.
Compounding interests inThe best time to start is
But today will work just fine.
Yes.
There you go.
(32:14):
One liner.
All right.
Done.
I think that's good.
Are you taking us out?
No. Fix yourself.
Welcome to the podcast.
A podcast by healthcareon how to navigate your health
The podcast is hosted by MikeBruno, a chiropractor and
athletic trainer, and me,Michael Stanton, an athletic
trainer and certified strengthconditioning specialist.
Although we are healthcareproviders, we are not your
healthcare provider.
We will discuss general healthinterventions in this podcast,
but you should not take that ashealth advice that works in
(00:27):
every situation.
Before doing anything on yourchanges, please consult with
This podcast and this podcastjobs and our own opinions.
If you're enjoying the podcast,please leave us a review on your
listening platform and or likesubscribe to our podcast at
YouTube.
Thanks to our show can be foundin the show notes on any
platform that you are listeningto.
(00:50):
So real quick.
I've been a dad for one year JKThat's how long it feels though.
Um, was that on purpose?
No. Oh my goodness.
Um, complete side note, butmarried what, two months?
(01:10):
Three months.
Mhm.
And Erica was at the gym.
My office is in working out andlike, oh, this like I was
this is my fiance, Erica.
And I pointed to her and hisface like he went white as a
ghost.
And I was like, what are youWhat could that face possibly
(01:31):
And I turned to her and she'sShe's like, I'm your wife, not
And I was like, my bad.
The transition's tough.
Yeah, because, like, fiance havebeen saying, what, two years or
so, like.
Yeah.
You know, but hey.
Yeah.
We're happy.
Yeah, exactly.
And one weekend, uh, I can tellYou know, you wake up middle of
(01:54):
go back to sleep, you wake up,You know, he he peed on our bed
them on our bed.
And then as you're changing, asyou're changing, he pees
everywhere.
He's a boy, so it's just there'sUm, so my morning started with
Hey, at least you're not peeingNo comment.
(02:17):
Um. Oh, man.
So a couple housekeeping things,everything going on.
So as as I, as we talked aboutunquote episode where I just,
where I just kind of review,Um, so they'll actually already
(02:40):
be by the time this podcast getsposted, there'll already be an
episode out.
Um, comes out this upcomingBrothers, like, they're still
But like Nick Jonas, also hasExactly.
That's what's happening.
I'm in full support.
There's no drama here.
Yeah.
And so it's always it's going toThere are ten to fifteen
(03:01):
It's really me just deep divingthe news that's like, oh that's
going on right now.
Let's let's see if there's anyLove it.
Um, so yeah, there's that.
They are part of it with being aUm, we'll, we'll start having a
blog post that comes out aboutkind of our me and my wife, um,
(03:24):
how our journey is going, beingparents.
So I can tell you one weekendUm, maybe some people learn from
Maybe some people are alreadyReflect on it and go and go, oh
yeah, I remember when we dealtwith XYZ.
So not that we're perfectWe're we're along for the Yeah.
(03:45):
We're trying to.
Yeah.
Figure it out along the way forUm, and I'll probably look at
I'll probably fact checkUm. Only you.
Only the mother who definitelyActually, according to the.
Yeah.
(04:05):
The mother who works with kids.
Yeah.
She works as a therapist.
Yeah.
Yeah, yeah.
Um, man.
Alright, so we're gonna get.
Go ahead, get started.
So we're talking money, money,Um, I can't believe you spoiled
I was going to say, if anyoneimpersonate, please let us know.
(04:25):
Damn it.
Sorry you blew it.
So as we approach New Year's,it's where you know your New
Year's.
You got new goals.
Where should your money go?
And so I, I, I'm going to bringup some research first for Bruno
and kind of, kind of and get hisinput on it and some of its
recent.
So there's actually a studytwenty twenty one where it
(04:47):
looked at healthcare costs laterin life, depending on how
physically active you wereearlier on.
Okay.
So and the general gist is thatare earlier in life, you're
annually on health care costs.
It was the the the people thatbeing active in early adulthood,
(05:11):
seventy four dollars averageas as they continue to age.
Now there's also the people thatdidn't get in till later in
life.
They say they went middle ageThey actually they kind of saved
closer around to somewherebetween eight hundred to
thirteen hundred dollarsannually.
Still nothing to sniff at.
(05:33):
You know, that's to me, that's.
Yeah, that's less than a gymUm, and so some stuff to really
And then for adults thatactually decreased activity
through adulthood.
So think about people that aresuper active early on thirty
forties.
And then they kind of just fellUm, they still had some
Not as much.
They those that decreaseddollars through adulthood.
(05:57):
So. So all right, there'sthere's two like, isms I like in
this situation where, um,investing in the Bank of
tomorrow.
Um, I'm sure you've heard thatSo it's you like, when you
invest in your own health orsorry, you're you are going to
(06:19):
invest in your health at somepoint.
The question is just going to beYeah.
So a small gym membership todayis inconsequential compared to
later on down the road, let'ssay ignoring your health for
twenty years and then needinghip replacements or knee surgery
or whatever.
Mhm.
So it's do you want to solve awilling to take the risk that
(06:46):
need to solve a bigger problemSo the common investing advice,
switching to the finance side ofit, it's not about timing the
market.
It's about time in the market,So yeah very common.
Like saying yeah.
So like right it's hey thelonger you're doing it for the
more likely you're going to bebetter off.
(07:08):
And one.
Really.
Yeah.
It's literally cost saving Yeah.
It is compounding interest.
So like I have clients who likestarting their like health
their forties and 50s.
And they might have like beenactivist kids taking a lot of
time off and getting back intoit.
When we get into things thatagility and jumping and stuff,
(07:35):
nervous because they're like, Ibut the people who, let's say,
college athletes, they're muchtheir nervous system.
And like now where it's like,for so long.
And now we're like creating ando it again.
Gotta like, knock the rust off amore, uh, adaptive in that
(08:01):
never done it before.
It's just the ramp up period,So the person who's never done
different path, can still getthose prior investments will
Yeah.
And I also.
Right.
And I kind of like the factAll right, there's also the, the
even if you get started laterthere's still cost savings like
(08:24):
right.
There's also a never too lateIt is never too late to invest
Yeah.
For sure.
Yep.
Um, kind of going off that too.
So like, right, if you'rephysically inactive, you're
going to end up, um, you know,probably more long term health
consequences.
Um, right.
That's going to be court that'sgoing to cost you a lot of
(08:44):
money.
And, you know, there's a there'sUh, there's actually a twenty
Um, our neighbors to the north,Well, I don't know.
Uh, we we have a big Germanfollowing, uh, those number one
health podcast in all of Germanspeaking countries except for
(09:05):
Germany.
Except what movie is that from?
You don't know.
I don't know if you can nameI will be so impressed.
Uh, so.
But.
Right.
Those who are physicallywith increased hospitalizations
Right.
That is like directly going toCost you more money.
Mhm.
(09:25):
Mhm.
Yeah.
There's honestly like I won'tgive any context as to who this
person is.
But I had a conversation wheretheir sixties, they were like I
going and walking around thelike actual exercise, my heart
(09:51):
And I was like, what a crazy waySo individual has had prior knee
very sedentary right now.
And like we said on last week'sWalking is a no brainer.
We should all be getting ourRight?
Like that is.
(10:12):
That aside, could you imaginelooking at the world where like,
bringing your heart rate up inany capacity is like, no, no,
no. Yeah.
Like especially not like we'reyoung, healthy people in
general.
Like I don't think I can I canLike I don't think I ever will
that causes me to have to startBut yeah, I can't.
(10:34):
Yeah.
I can't think about it.
That's not how.
Yeah, that's just some back.
Like unfortunately that's justLike I even actually experienced
where they're like, you gotta beLike you could like have a
I'm like, first of all, I don'tis like that has like
because I've done so mucheight hundred pounds like that's
(11:01):
But sorry, enlarged heart.
What are you talking about?
Um, but yeah, to your point, is,like, health, pain, there's
So in your point, it's like,increasing your risk at injury.
It's like if you're doing itUm, but if you do, if you work
(11:23):
out smartly, I would argue it'sdecreasing your risk over
increasing because you're doingstuff that's like safe,
efficient, enjoyable.
All that stuff that we alwaysAnd what you're actually doing
is decreasing your injury riskover time because you are
getting better at all thatstuff.
So if and when you encountersomething in the real world
where you have to move a fridgefor your friend or like do
(11:45):
something like weird and active,it's like you are so prepared
and confident based on all ofyour training.
It's literally like, you gottaYeah, practice how you play,
And that's why I'm going tangentYou see all these old people,
(12:06):
fall, fracture their hip, don'tLike, because they get sick in
not able to bounce back.
Usually what it is that.
I mean, you can tell me theresearch on this, but it's not
that they stepped off a curb andthey fell in the fall, broke
their hip.
(12:26):
It's just the force of steppingoff the curb, broke their hip,
and that's what caused them tofall.
So they're so osteoporotic.
Yeah.
Yeah.
Their bones are so brittle thatThe impact of stepping off a
makes them fall, and then alldisease and all that stuff in
(12:46):
environment where,them, like, literally don't make
Yeah.
And it's like, how much of thatyou've just been.
And, you know, we're not sayinggo, meathead, but just like a
general strength program thatadapts as you age, and doing it
smart and efficiently towardsyour goals literally can save
your life.
Like no exaggeration.
Yeah.
No, no, that's very true.
(13:08):
Um, I think it's more of aGoldilocks approach with all
physical activity.
And even in some of thislike the people that were super
standpoint, they were actuallyfourteen hundred dollar range.
Uh, they weren't as close tosaving eighteen hundred dollars,
right?
So, like, you know, that theprobably the people that are
(13:30):
things like that, like that's aLike your body may not be
Like they're going to get abunch of benefit from it for
sure.
But like they're going to have awear and tear of cartilage and
The yes, when you're going tothink of, like the crazy
(13:51):
runner and all that.
And overuse is a fear for peopleoverusing this, but those people
speak, that capacity, are soLike it's going to take a lot to
Yeah.
(14:11):
So if there the conversation Ithem like type A like driver
your workouts look like this,like this, yours look like this.
Cool, right?
That means all your recovery andYeah, because where that
disconnect falls is like, if youtrain like that, but you recover
(14:32):
like this.
Meaning like your sleep'sterrible, hydration, whatever
All your recovery methods likethis gap is where injury
happens.
So like that's the conversationpeople because like, you know,
an Olympic athlete.
Go nuts.
It just has to look a certainSo you're not, you know,
(14:53):
stuff, like surgeries and painYeah.
So moving on.
I want to look at incomes foror physically inactive.
So yeah, there's actuallyUm, so there's research they
mobile, uh, people are and theirAnd they had different levels of
(15:14):
like what, how active peoplewere.
Um, for every fitness levelthree thousand four hundred and
Okay.
So being physically or not, theless physically active you are,
the more that impacts yourincome, correct?
(15:36):
The less physically active youare, the less money you make
according to this researchstudy.
Wow.
Okay.
Um, and then it also goes aboutpeople who stopped being
physically active compared tothose who continued to be
active.
They made six thousand fiveAnd then if they were also
less likely to still be working.
(15:58):
So that means true, right?
So if they're so pretty muchfollowed people along for ten
Right.
So not only are they makingless, they're also not working
anymore.
So that means let's say you'reYou're not seeing that eighty
an annual basis anymore.
Yeah.
So now it becomes a compoundingeffect in the opposite
(16:20):
direction.
Mhm.
Yeah.
I mean your something I alwaysyou're faced with, like you are
decision that is going to likegoals or away from your goals.
Like it might not feel like itThat's why you have to have
problem is, right?
But it's like, hey, I'm notLike that's a choice either.
(16:44):
I'm not going to work out todayit's too cold outside, right?
Like, maybe that's not a goodchoice for your overall goals,
but it's like, hey, I trainedreally hard the past couple
days.
My body's really beat up.
Like, I need a day to recover.
Like, that's a choice towardsSo it all depends on the context
of like how you're having theconversation, um, with yourself
(17:05):
and the.
I feel like we always keepcoming back to like the minimal
effective dose.
So that will constant if youknow if we've ever defined that
It's like hey you start youProgressive overload is like you
(17:27):
Let's just say you can do fiveOver time, five push ups become
Then you can progress to ten,My uncle asked me this question
maybe last summer and startedoff doing ten push ups every
morning.
That's that was his startingHe was either late sixties or
Um, he just told me a story likeHe was in Colorado, um, at a
(17:55):
talking about how much push upsIn his tuxedo, he dropped and
Love that.
And like.
And how old is he?
Sixty.
Seventy.
And he didn't start until then.
Like.
Yeah.
So he went from like strugglingAnd you know he's not like going
Arnold Schwarzenegger in thegym.
But he went from doing ten everyThat was his starting point to
(18:16):
now being able to do fifty inthe course of a year, because he
was consistent with his minimaleffective dose.
He jumped when ten felt good.
He moved to fifteen to twenty toAnd now he was able to like far
So it all, it all stacks up.
That idea of compoundingYeah, yeah.
(18:39):
The compound interest I loveUm. All right.
So the next topic was does beingmore physically fit lead to
being promoted.
Right.
So there's no actual directSo I mean like but but so does
Right.
But what are the benefits ofRight.
(19:01):
You know there's cognitiveIt makes people hire hire more
productivity at work becausethey're able to think more clear
clearer.
There's improved memory.
So there's a lot of the presetsSo yeah I mean like do you want
No. But the like, are therereally good at training people?
(19:22):
Yes, absolutely.
But I'm not even talking aboutI'm saying people with desk jobs
Like, yes.
Are you being physically active?
Right.
You do your stuff in the morningexercise, snacks before doing
steps real quick.
All that's been shown to let youSo in theory, if you're more
(19:43):
Hey, maybe you get thisAnd it also speaks to the type
So you can you can say like,yeah, I'm a I'm a guy who's
disciplined, right?
Um, but if you look like a fatYeah.
How are you?
Right.
Compared to the guy who'sshredded, it's like he's
probably like he has to go towork.
(20:04):
Same punch in, punch out as you.
But he's he's getting it inWhether it's before lunch break,
Like he is clearly making thatthe active choice to go towards
Those are his goals, right?
Yeah.
You're the other person, right?
(20:24):
They could be like choosing workover their body, which is I hear
that all the time where itshouldn't be like a this or
that.
You shouldn't be have to chooseYou should have it set up in a
way where if you're trying tosucceed at work, the physical
activity is going to help you inthat direction.
You shouldn't create this.
I'm a big.
(20:45):
I should have my cake and eat itRight.
Like why not?
Yes, but cakes.
Probably a bad analogy.
Bad analogy.
I want to cook my steak and eatYes, yes.
But I'm not a big red meat guy,tuna and eat it too.
(21:07):
Tilapia?
Um, yeah.
But absolutely.
Like, there's there is a worldforget about physical activity.
There's a world where you cancrush physical activity, forget
about work.
But there is also a world whereyou can do both really, really
well.
Yeah.
(21:27):
For sure.
So now we're going to get nittyright there in pain.
And now they gotta start goingsomewhere and they gotta pay for
it.
Right.
So we're going to talk aboutUm, you know, a lot of people
probably get their insurancethrough through their healthcare
or, I'm sorry, through theirwork.
Um, and so typical co-pays forYou can tell what it is for
(21:51):
I just assume physical therapybecomes a referral more times
than none.
Um, um, so it's about twentyfor an insurance company.
Okay, so let's say you have aninjury and you get prescribed to
go three times a week for twelveweeks.
Mhm.
Um, to rehab your knee you haveSo if you're paying fifty
(22:17):
times a week for twelve weeks,Mhm.
And if you go there and all youdo are clamshells and you get no
follow up care unless you showup there and you don't get
better.
That was eighteen hundred Right.
Um.
So.
(22:37):
Right.
Not to say we're better thanUm, but like.
Right.
It's think about where yourfrom an insurance standpoint.
Like if you realize that maybeyou're not getting the
personalized care that youshould.
There's probably plenty ofdollars that can help you be
(22:57):
couple of weeks, as opposed toOh, one hundred percent.
The the two things that you canspend all your time and your
money.
So I have that conversation withOr honestly, clients tell me
them like the mill, right?
Where it's like everyone's doingIt's very cookie cutter.
(23:19):
They're like, I've done three,four or five rounds of that, and
every time I go in, I'm doingthe same thing as the guy next
to me, even though they're sixtyand I'm thirty and like, I want
to play sports and they justwant to be able to like, go for
a walk.
Our goals are so different, ourwe have the same three exercises
(23:40):
It's okay if you think like thatwhere you want to be, then it's
choose the cheaper option.
If you just need a car to goIt's like, does it matter if
I would argue no. Right.
But if you're trying to be ato want the Ferrari.
(24:04):
So the the important thing tostarting and B where you want to
proper vehicle to get you there.
Because for the most part, likewaste all that money, like with
and like doing the bare minimumfor time, because they have five
(24:26):
you're not going to get theto not only get the baseline,
So what, like people who come inthey're like, hey, like they
And even if I like baseline,Like, I want to get far beyond
So we're focused on being ableto make sure we identify the
(24:50):
real problem.
So it's we're not wastingAnd we want to know what their
So like after you get out ofpain is just a starting point.
So we get out of pain, then it'slike, okay, what happens after
that?
I want to run.
I want to lift this.
I want to do that.
Great.
Like, you will not leave ouroffice until we are doing that
(25:10):
confidently here.
And that when people experience,The other thing they're like,
So like that for the rightAnd I'm going to also say this
So I do some of this stuff at myAll right.
(25:31):
So I talk about like how much Ithe services I provide.
But then I also talk about timeAnd so right, like a typical
doctor's appointment in theresearch says by the time you
like call set the appointment,get there all the paperwork
this, this, that, that alone isgoing to be two hours of your
(25:51):
time.
And then you know, each for likePT for you, you know, each
follow up is at least, you know,probably an hour an hour of
time.
Well, that's like your time.
And how much money do you valueRight.
What is your your hourly rateAnd think about it from that
So like for me, because I'm intake off of work because they
(26:16):
physical therapy, but if I canhey, I saved you this amount of
and hours of you being able toSo like that.
That's another way to thinkefficient if you can find the
I mean, that's why, like, foodSo it's like, is it cheaper to
(26:43):
thing up and come back?
It always is, right?
It always is.
Yeah.
Is it like, what can youhour, right of, like, just like
to show up.
Like, you can clean your house.
You can like there's a lot ofSo like that, whatever.
Five, ten bucks for delivery ismore valuable than that.
(27:06):
Five.
Ten bucks.
Yeah.
And so kind of even kind of So.
Right.
I'm a big invest in gymIf you got the space buy the
So right let's say it's actuallySo let's say an average gym
membership not Planet Fitnessuh, is thirty is thirty dollars
a month.
And to be honest, there's plentymore expensive than that.
(27:28):
I'm just going very, very, veryRight.
So that's three hundred andOver five years, it's eighteen
hundred dollars for eighteenhundred dollars.
That's essentially what I paidhave a squat rack, barbell, all
So I have all the dumbbellbunch of bands and resistance
(27:53):
So it's a heavy investment upstuff's going to last longer
up by one hundred people a day,And I think the, the problem
like that choice comes down tocertainty, right?
What if someone is new tofitness and they're like, am I
(28:14):
really going to drop eighteenhundred bucks to like, build a
gym?
What if I, you know, stopit's a waste of money, right?
Because they're not in it forUm, but if they're like, oh, I
and like, if I, like, try beforequit, it's like they didn't
(28:34):
You know what I mean?
They're they're only sixty bucksin the hole or whatever the math
is.
So the I mean, you can look at,like, rehab and stuff the same
way, right?
It's hey, I want to use myI want the ten dollars co-pay
is going to work, so, like, I'dAnd if it doesn't work, then,
Because I chose cheaper insteadOkay, so if you had two options,
(29:02):
thousand dollars either way.
Right.
Mhm.
One of them there's a twentyOne of them there's an eighty
Which one are you going to pick.
Yeah.
Everyone's going to pick eightySo that's personalized care
(29:23):
But the the way that people lookat it is like, hey, this is ten
dollars a session versus likethree hundred dollars a session,
right?
It's like and there's noguarantee that one is going to
guaranteed work.
It's like, okay, most people, ifthey're not confident in the
system, are going to choose thecheaper option because it's less
(29:46):
risky.
Yep.
Right.
But if you're confident that oneis going to triple your chances
of getting better, all of asudden it's worth the
investment.
Yep.
Yeah, yeah.
So I want to going back towant to show like we talked
things like that.
So this investor.gov, uh, has aAnyone can go on and use it.
(30:11):
And so what I'm going to what Ikind of put in here is that a
monthly contribution of fivehundred and eighty three
dollars.
Why?
Five eighty three.
That's what allows you to maxFinance tip.
Um, we are not.
Yeah, we are not financialUm, like length of time in years
(30:31):
is ten percent on your money.
Okay, so we calculate that inpoint one million.
Okay.
If you invested five hundred andeighty three dollars over thirty
years.
Now to be a millionaire.
Now, let's say you continue toYou do all the things and you.
But because you are stillphysically active, you kept
(30:52):
working.
You enjoy what you do.
So you work for thirty fiveRight.
And we calculate that you're nowOkay.
Actually it's like one pointSo like right.
You're getting you're gettingIf you work another year or two,
Uh, there's a rule.
Every seven years yourUm, but like.
(31:13):
Right.
So that's like that is hugeactive so that you can do the
allow you to grow financiallyI mean, bringing it back to
Like the guy who pays me for myseventy, Probably older.
(31:33):
Yeah, exactly.
How long has he been doing that?
The right way?
Because he can clearly still runYeah.
Right.
So he is he's been doing thatHe is an expert at what he does.
Right.
I'm sure he's hit bumps andbruises and challenges along the
way, but he's still able tolike, do that if he's if he
(31:53):
picked up, if he picked uprunning like at fifty versus
thirty, like it'd probably be alot harder to continue to do
that.
Oh yeah.
For sure.
So.
Right.
Compounding interests inThe best time to start is
But today will work just fine.
Yes.
There you go.
(32:14):
One liner.
All right.
Done.
I think that's good.
Are you taking us out?
No. Fix yourself.
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