Dec 24, 2020

Are you building your health corpus?



 Retirement corpus - a phrase I come across often, given that I listen to experts in the personal finance space. It is the amount needed to be saved before we retire from our work life so that we can lead a comfortable retirement life with the same lifestyle we are currently living in. I have a difference of opinion with this thought process, which I shall reserve for a future post.

This post intends to encourage all of us to build a "health" corpus in our 30s, 40s, and 50s. 

What's the point of working hard, taking stress, ignoring our health, and saving up a lump sum, which ends up as hospital bills and recurring medical expenses? Not to forget the ill-effects of managing these ailments in our 60s and 70s, which robs us (and our spouse) of our (their) vital energy.

I believe it is crucial we start building our "health corpus" too. Think of it as a savings account. Every decision you make concerning your health and wellness is tallied against either credit/debit. 

You choose to eat a healthy meal today. You make a deposit.

You choose to eat a pack of junk food today. You make a withdrawal.

You choose to workout first thing in the morning. You make a deposit.

You choose to sleep on time tonight. You make a deposit.

You choose to binge-watch a Netflix series, sitting on the couch late at night. You make a withdrawal.

You choose to go for a walk in the morning and get some sunshine. You make a deposit.

You choose to remain in front of your devices/gadgets all day. You make a withdrawal.

It is our daily individual choices that decide whether we are depositing to or withdrawing from our "health corpus".

Habits that are good for our body/mind are like "daily SIP"s (Systematic Investment Plan). Every small decision matters.

Saving towards our "health corpus" is as important as our financial corpus. I would insist that it is "even more" important. 

In personal finance, there is a possibility of a lump-sum that we might add to our savings. It could be a performance bonus we received at work or a rearrangement of our portfolio. BUT there is no lump-sum saving possible for health. 

When it comes to health, it is always about our daily individual choices and our habits.

2 comments:

Lakshmi said...

Touche.

Unknown said...

Nice, Very good tips for health

Get the latest posts by email

Blog Archive

All contents copyrighted by Anuradha Sridharan, 2020. Don't copy without giving credits. Powered by Blogger.