Health is the Foundation of Wealth: How Prioritizing Well-Being Fuels Financial Independence

A Recent Health Scare
Recently, I experienced a health scare that served as a wake-up call. After using the toilet, I noticed some blood stains, which immediately alarmed me. Thankfully, it turned out to be nothing more than piles, but the incident made me reflect on my lifestyle and overall health. It was a stark reminder that health is the foundation of everything—including my journey toward financial independence and early retirement (F.I.R.E).

My Unhealthy Past
Looking back, I realize I’ve had a rather unhealthy lifestyle since my student days. I rarely exercised and spent most of my time playing games (DOTA, Maplestory, LOL). Things improved slightly during my National Service in the army, where I was forced to stay active. That period was probably the fittest I’ve ever been, though I only managed to score an IPPT silver at best. Even then, I didn’t fully appreciate how much my physical health could impact my long-term goals, including financial stability. 

Balancing Academics and Health
After completing National Service, I was motivated to maintain my fitness and continued exercising during my first year of university. However, as the pressure to excel academically grew, I gradually abandoned my exercise routine. Over the course of four years, I gained 10 kg. While I achieved my goal of graduating with first-class honors, it came at the cost of my physical health and, perhaps, other intangible aspects of my well-being. I didn’t realize then that neglecting my health could have long-term consequences, not just for my body but also for my financial future.

Struggles in the Working World
When I started working, my job involved shift work, making it difficult to establish a consistent exercise routine. Despite this, I made efforts to eat healthier and occasionally exercise. For a while, I managed to stay on track, but the COVID-19 pandemic disrupted everything. Gyms closed, and I was limited to simple exercises and jogging. As my workload increased after taking on an administrative role, I eventually stopped exercising altogether. During this time, I began to see how poor health could lead to increased medical expenses, reduced productivity, and even missed opportunities—all of which could derail my F.I.R.E plans. 

A Four-Year Hiatus from Fitness
For nearly four years, I completely neglected my fitness. It wasn’t until recently that I decided to restart my health journey. In January 2025, I bought a logbook to track my daily exercises, and I’m proud to say I’ve consistently hit my targets since then. This renewed focus on health has not only improved my physical well-being but has also given me the energy and clarity to stay disciplined in my financial goals.

A Renewed Focus on Health
Whether it’s due to the addition of a domestic helper at home or the morning gym sessions, I’ve noticed a significant boost in my energy levels and overall well-being. This experience has taught me the importance of prioritizing health. While achievements in academics and career are important, they should not come at the expense of physical and mental well-being. I’ve come to understand that health and wealth are deeply interconnected. Poor health can lead to unexpected medical bills, reduced earning potential, and even early retirement—not the kind I had in mind.

It’s About Determination, Not Time
While some might argue that not everyone has the time to exercise, I’ve come to realize that it’s not about lacking time—it’s about lacking determination. I’ve made a conscious choice to wake up nearly an hour earlier each day to incorporate this new routine into my life. After dropping my son off at childcare, I head straight to the nearby gym, work out, shower, and then go to work. Yes, I could have chosen to sleep for an extra hour instead of hitting the gym, but I’ve decided that my health is worth the effort. It’s all about making the choice and sticking to it. This discipline in health mirrors the discipline needed to achieve financial independence.

How Health Fuels My F.I.R.E Journey
Looking after my health is not just about feeling good—it’s a critical component of my F.I.R.E (Financial Independence, Retire Early) journey. By staying healthy, I reduce the risk of costly medical expenses that could eat into my savings. I also maintain the energy and focus needed to excel at work, pursue side hustles, and make smart financial decisions. Moreover, a healthy lifestyle means I’ll be able to enjoy the fruits of my labor when I eventually retire. After all, what’s the point of achieving financial independence if I’m not in good health to enjoy it?

Commitment to a Healthier Future
I’m committed to maintaining this healthier lifestyle and ensuring that “health is wealth” remains a guiding principle in my life. This journey has shown me that with determination and discipline, it’s possible to prioritize health even amidst a busy schedule. By investing in my health today, I’m not only securing a better quality of life but also safeguarding my financial future. Health truly is the foundation of wealth, and I’m determined to build both, one step at a time.