Ever since we were little kids we have been told to save money for emergencies,  retirement, children, etc. so that we can live comfortably when we are old and retired. We invest in stock markets, 401ks, Roth IRAs, CDs, commodities, etc to prepare us as well as our children for the future.
Some of us work so hard and sometimes play so hard that when we are told to rest, we reply “I’ll rest when I’m dead” which, I know what you really mean is when you retire, but the interesting thing about that is that as we are preparing financially for this time in our life, we never prepare physically for this time in our life. Where is the stock in your physical health which will enable you to actually enjoy that financial health when you retire or just plain old life in the not so distant future? The retirement age is currently 66 or 67 in the U.S. depending on when you were born.
AARP states that in your 60s the average person develops dilated blood vessels, wearing down of cartilage and joint fluid, secret less hydrochloric acid (which is your stomach acid) and in return have a decrease in B vitamins, especially B12. This slowing of digestion causes colon problems and polyps to develop. The American Cancer Society says that colon cancer increases with age and is the 3rd leading cause of caner in women and the 2nd leading cause for men in the U.S.(ACS, 2017). We already know about heart issues as well as trying to keep your senses (hearing, seeing, taste, touch) 45% of people in their 60s experience hearing loss and 68% of people in their 70s. Some people don’t even have to wait that long to have these issues begin to occur on their health due to an early depletion of their physical savings account.
CNN reported that in 2015, a 65-year-old, healthy couple can expect to spend 266k over the course of their retirement on medicare premiums alone. They references Healthview services and Fidelity. Whereas Fidelity has a slightly lower estimate of 245k. This estimate is not including out of pocket expenses for long-term care. So where do you think your retirement saving is going to go?
I make these points to show just how lopsided things are in the way that we look at the importance of things. Why do some people stay sick longer than others? Why are some people genetically predisposed to certain illnesses, have reproductive problems, need hearing aid and or glasses whereas others are not? I am sure I am forgetting a lot of other issues,  but I think you get my point. These issues depend on 2 things. (1)Your inheritance (which is your inherited stock account) and (2) how you use the account you have. So when I am talking about stock, I am talking about nutrients use to build and rebuild you to who you physically are. This means that some people have an excess while others don’t. Just like money.  In the inheritance, some people inherit a surplus of nutrients which helps to building not only a symmetrical body, but stronger bones and a more robust immune system. It’s why short people can product tall people, and when the opposite happens tall people can produce short children. This is also how someone with diabetes produces a child with type 1 diabetes or some other effects of the brain, spine our heart (CDC, 2017). In the 2nd part, how you use your account. You can invest and withdraw from it the same way you do a savings account. You can build it up to compensate for what you’ve inherited to make it better or you can continue to pull from it until your funds become extremely low. When you are at this point, you experience bad joints, hearing problems, Cancer, Alzheimer’s, diabetes, etc.
This is why some people can walk into a flu epidemic and be fine, where with other’s if they shake someone’s hand they are down and out for a while.
A good example of how quickly some people deplete their accounts would be models and actors/actresses..