{"id":378607,"date":"2021-12-09T14:07:00","date_gmt":"2021-12-09T11:07:00","guid":{"rendered":"https:\/\/en.buradabiliyorum.com\/outside-the-box-are-you-healthy-enough-to-retire\/"},"modified":"2021-12-09T14:07:00","modified_gmt":"2021-12-09T11:07:00","slug":"outside-the-box-are-you-healthy-enough-to-retire","status":"publish","type":"post","link":"https:\/\/buradabiliyorum.com\/en\/outside-the-box-are-you-healthy-enough-to-retire\/","title":{"rendered":"#Outside the Box: Are you healthy enough to retire?"},"content":{"rendered":"<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_85 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-6a3bbf13f0d71\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #dd3333;color:#dd3333\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #dd3333;color:#dd3333\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-6a3bbf13f0d71\" checked aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/buradabiliyorum.com\/en\/outside-the-box-are-you-healthy-enough-to-retire\/#Theres_not_much_point_in_retiring_early_with_millions_saved_if_you_cant_enjoy_it\" >There\u2019s not much point in retiring early with millions saved if you can\u2019t enjoy it<\/a><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><ul class='ez-toc-list-level-4' ><li class='ez-toc-heading-level-4'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/buradabiliyorum.com\/en\/outside-the-box-are-you-healthy-enough-to-retire\/#James_Kerr\" >James Kerr<\/a><\/li><\/ul><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<p>&#8220;<strong>#Outside the Box: Are you healthy enough to retire?<\/strong>&#8221;<\/p>\n<h2 class=\"article__subhead\" itemprop=\"alternativeHeadline\"><span class=\"ez-toc-section\" id=\"Theres_not_much_point_in_retiring_early_with_millions_saved_if_you_cant_enjoy_it\"><\/span>\n  There\u2019s not much point in retiring early with millions saved if you can\u2019t enjoy it<br \/>\n<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><\/p>\n<div class=\"column column--full article__content\" role=\"region\" aria-label=\"article body\">\n<div class=\"article__side\">\n<div class=\"container--sticky not-active\">\n<div id=\"cx-next\" data-nosnippet>\n              <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div id=\"js-article__body\" class=\"article__body article-wrap at16-col16 barrons-article-wrap\" itemprop=\"articleBody\" data-sbid=\"WP-MKTW-0000513168\" role=\"document\">\n<div class=\"barrons-article-ad-wrapper\">\n<div data-track=\"barrons-article-ad-wrap\" class=\"barrons-article-ad sticky_item\">\n<div class=\"barrons-main-article-ad-target sticky_target body_ad\" aria-hidden=\"true\"><\/div>\n<\/p><\/div>\n<\/p><\/div>\n<div data-layout=\"\n                inline\" data-layout-mobile=\"\" class=\"\n          media-object\n          type-InsetArticleReader\n              \n              inline\n  article__inset\n          article__inset--type-InsetArticleReader\n              article__inset--inline\n  \"><\/p>\n<div class=\"media-object-article-reader\">\n<div class=\"audioplayer\" data-sbid=\"WP-MKTW-0000513168\" role=\"region\" aria-label=\"Listen to Article\" tabindex=\"-1\" id=\"articlereader\" data-show-title=\"false\" data-theme=\"wsj-article-reader\" data-show-header=\"false\" data-show-subscribe=\"false\" data-ads-enabled=\"true\" data-save-publication=\"false\">\n        <\/div>\n<\/p><\/div>\n<\/p><\/div>\n<p>       I was recently talking with a younger acquaintance about my decision to leave the\u00a0<a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/humbledollar.com\/2021\/09\/reclaiming-my-life\/\" class=\"icon none\">workforce<\/a>\u00a0early. I\u2019d left a demanding career to pursue my personal\u00a0<a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/humbledollar.com\/2021\/11\/challenging-myself\/\" class=\"icon none\">passions<\/a>, while I was still young and healthy enough to do so.<\/p>\n<p> My acquaintance is in his early 30s. He\u2019s single and makes a boatload of money working in IT for a pharma company. He\u2019s also a big proponent of the FIRE (financial independence-retire early) movement. He takes part in <a href=\"https:\/\/buradabiliyorum.com\/en\/category\/social-mediaa\/\" data-internallinksmanager029f6b8e52c=\"1\" title=\"Social Media\" target=\"_blank\" rel=\"noopener\">Reddit<\/a> boards and reads every investment article he can get his hands on. His goal, he told me, is to sock away every dollar he can so that he, too, can retire early one day. Hopefully even earlier than I did, he said with a grin.<\/p>\n<div class=\"paywall\">\n       Read: The best reason of all to postpone retirement<\/p>\n<p>Before I knew it, my young friend was telling me about his portfolio. Between his 401(k)s and taxable accounts, he\u2019s already accumulated a portfolio that\u2019s well into six figures. It\u2019s spread across low-cost mutual funds and ETFs, with a sprinkling of individual stocks. Still, he said, he was always looking for investment advice. Were there any tips I could share with him for a successful early retirement?<\/p>\n<p>Want to become a better investor? Sign up for our How to Invest <a href=\"https:\/\/buradabiliyorum.com\/en\/category\/watch-movies-tv-seriess\/\" data-internallinksmanager029f6b8e52c=\"8\" title=\"Watch Movies &amp; TV Series\" target=\"_blank\" rel=\"noopener\">series<\/a><\/p>\n<p>While I have an M.B.A. and worked in investor relations for a number of years, I make no claim to be an investment expert. I was fortunate early in my life to have read the advice of people like Warren Buffett and John Bogle. I learned from them about the power of dollar-cost\u00a0<a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/humbledollar.com\/money-guide\/dollar-cost-average\/\" class=\"icon none\">averaging<\/a>\u00a0and investing in\u00a0<a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/humbledollar.com\/2021\/11\/fees-are-your-foe\/\" class=\"icon none\">low-cost<\/a>\u00a0mutual funds that track the market. By riding those two dull horses through the ups and downs of turbulent markets, I\u2019ve been able to achieve a modest measure of financial security for myself and my family.<\/p>\n<p>But it was clear that my young friend already had these investment fundamentals well in hand. To be honest, my concern was not about his finances, but his health. Despite being young, he was at least 30 pounds overweight. He carried an unhealthy spare tire around his middle. If he didn\u2019t get his weight under control, he may not reach that early retirement he\u2019s working so hard for.<\/p>\n<p>With all the discretion I could muster, I gave him my tip. If he wasn\u2019t already doing it, I suggested he get started early on a disciplined exercise program that included at least two to three hours of moderate exercise every week. I told him about all the\u00a0<a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/www.npr.org\/sections\/health-shots\/2018\/12\/10\/674380082\/exercise-wins-fit-seniors-can-have-hearts-that-look-30-years-younger\" class=\"icon none\">research<\/a>\u00a0showing that seniors in their 70s and 80s who\u2019d been working out regularly for 30 or 40 years had the hearts and skeletal muscle health of people 30 years younger.<\/p>\n<p>Read: Living longer means more years spent with serious illness \u2014 learn how to increase your health span<\/p>\n<p>\u201cThe younger you start, the better off you will be,\u201d I said.<\/p>\n<div id=\"cx-membership-tile\"><\/div>\n<p>My friend\u2019s face screwed up. He clearly wasn\u2019t expecting this. I think he was hoping to get my thoughts on investing in bitcoin or buying option contracts as a way to manage downside risk. But I wouldn\u2019t have been the person to ask about those things, anyway, since I haven\u2019t dabbled in either.<\/p>\n<p>But the value of\u00a0<a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/humbledollar.com\/2021\/11\/one-step-at-a-time\/\" class=\"icon none\">exercise<\/a>\u2014that I could talk about. I told him that I\u2019d started my regular workout program in my early 30s, when I was having pain in my knees and lower back. I was 20 pounds overweight at the time, and it didn\u2019t help that I had beaten up my joints playing basketball in high school and college.<\/p>\n<p>I went to see an orthopedic specialist. He took an MRI and told me he saw evidence of early arthritis and cartilage damage. Based on the shape of my knees, the doctor said, I would likely need a knee replacement in 20 years. Maybe even sooner. And oh, by the way, the doctor said\u2014my blood pressure was a bit higher than he would like it to be.<\/p>\n<p>That was all I needed to hear. I went to a physical therapist, who recommended a program of five workouts per week of 45 minutes each, mixing cardio and light weights. It included exercises to strengthen the muscles around my knees.<\/p>\n<p>More than 30 years later, at age 62, I\u2019m still at this routine. I haven\u2019t had to replace either knee, and hope never to. My body-mass index and blood pressure are where they need to be. My doctor says that I have the resting pulse and heart health of someone in his 40s. Just as important, my fitness routine helped immensely in reducing stress and managing a genetic tendency toward anxiety and depression.<\/p>\n<p>I told this to my young friend not to brag, but to point out the logic of <a href=\"https:\/\/buradabiliyorum.com\/en\/category\/download-scripts-themes-apps\/\" data-internallinksmanager029f6b8e52c=\"9\" title=\"Download Scripts &amp; Themes &amp; Apps\" target=\"_blank\" rel=\"noopener\">app<\/a>roaching investment planning and health planning with the same discipline. There\u2019s no guarantee that starting an exercise program early will lead to a long, happy life, just as there\u2019s no guarantee that our well-diversified investment portfolio will be able to support us all the way through our golden years.<\/p>\n<p>But it\u2019s about odds, isn\u2019t it? Working out regularly increases our odds of living longer, and\u2014more important\u2014having quality golden years. What good is retiring early with a couple of million dollars if we don\u2019t have the health to enjoy it?<\/p>\n<p>My young friend thanked me for my advice and walked away. He recently called me to give me the happy <a href=\"https:\/\/buradabiliyorum.com\/en\/category\/news\/\" data-internallinksmanager029f6b8e52c=\"2\" title=\"News\" target=\"_blank\" rel=\"noopener\">news<\/a> that he\u2019d joined a gym. I hope he sticks with it. It might be the best investment decision he ever makes.<\/p>\n<p><em>This column first appeared on <a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/humbledollar.com\/\" class=\"icon none\">Humble Dollar<\/a>. It was republished with permission<\/em>.<\/p>\n<p><em>James Kerr led global communications, public relations and social media for a number of Fortune 500 <a href=\"https:\/\/buradabiliyorum.com\/en\/category\/technology\/\" data-internallinksmanager029f6b8e52c=\"4\" title=\"Technology\" target=\"_blank\" rel=\"noopener\">technology<\/a> firms before leaving the corporate world to pursue his passion for writing and storytelling. His book, \u201cThe Long Walk Home: How I Lost My Job as a Corporate Remora Fish and Rediscovered My Life\u2019s Purpose,\u201d is forthcoming in early 2022 from Blydyn Square Books.\u00a0Check out his blog at\u00a0<\/em><a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/www.peaceableman.com\/\" class=\"icon none\"><em>PeaceableMan.com<\/em><\/a><em>. His previous articles were\u00a0<a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/humbledollar.com\/2021\/11\/challenging-myself\/\" class=\"icon none\">Challenging Myself<\/a>\u00a0and\u00a0<a rel=\"nofollow noopener\" target=\"_blank\" href=\"https:\/\/humbledollar.com\/2021\/09\/reclaiming-my-life\/\" class=\"icon none\">Reclaiming My Life<\/a>.<\/em><\/p><\/div>\n<\/div><\/div>\n<p><\/p>\n<div class=\"byline article__byline\">\n<p>    <span>By<\/span><\/p>\n<div class=\"author  hasMenu\" data-scrim='{\"type\":\"author\",\"header\":\"James Kerr\",\"subhead\":\"The Wall Street Journal\",\"list\":[]}' itemscope itemprop=\"author\" itemtype=\"http:\/\/schema.org\/Person\">\n<h4 itemprop=\"name\"><span class=\"ez-toc-section\" id=\"James_Kerr\"><\/span>James Kerr<span class=\"ez-toc-section-end\"><\/span><\/h4>\n<\/p><\/div>\n<\/div>\n<blockquote><p><strong><span style=\"color: #ff6600;\">If you liked the article, do not forget to share it with your friends. Follow us on\u00a0<span style=\"color: #ff0000;\"><a style=\"color: #ff0000;\" href=\"https:\/\/news.google.com\/publications\/CAAqBwgKMLG0nwswvr63Aw\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">Google News<\/a><\/span>\u00a0too, click on the star and choose us from your favorites.<\/span><\/strong><\/p><\/blockquote>\n<blockquote>\n<p style=\"text-align: center;\">For forums sites go to <span style=\"color: #ff9900;\"><a style=\"color: #ff9900;\" href=\"https:\/\/forum.buradabiliyorum.com\/\" target=\"_blank\" rel=\"noopener\">Forum.BuradaBiliyorum.Com<\/a><\/span><\/strong><\/p>\n<\/blockquote>\n<blockquote>\n<p style=\"text-align: center;\"><strong>If you want to read more News articles, you can visit our <span style=\"color: #ff9900;\"><a style=\"color: #ff9900;\" href=\"https:\/\/en.buradabiliyorum.com\/news\/\" target=\"_blank\" rel=\"noopener\">News category.<\/a><\/span><\/strong><\/p>\n<\/blockquote>\n<p><span style=\"color: black;\"><a style=\"color: #ff9900;\" href=\"http:\/\/www.marketwatch.com\/news\/story.asp?guid=%7B20C05575-04D4-B545-77D4-900FBB4AE583%7D&#038;siteid=rss&#038;rss=1\" target=\"_blank\" rel=\"noopener\">Source<\/a><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>&#8220;#Outside the Box: Are you healthy enough to retire?&#8221; There\u2019s not much point in retiring early with millions saved if you can\u2019t enjoy it I was recently talking with a younger acquaintance about my decision to leave the\u00a0workforce\u00a0early. I\u2019d left a demanding career to pursue my personal\u00a0passions, while I was still young and healthy enough&#8230;<\/p>\n","protected":false},"author":1,"featured_media":378608,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"fifu_image_url":"https:\/\/images.mktw.net\/im-448181\/social","fifu_image_alt":"","footnotes":""},"categories":[70897],"tags":[],"class_list":["post-378607","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"_links":{"self":[{"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/posts\/378607","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/comments?post=378607"}],"version-history":[{"count":0,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/posts\/378607\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/media\/378608"}],"wp:attachment":[{"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/media?parent=378607"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/categories?post=378607"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/buradabiliyorum.com\/en\/wp-json\/wp\/v2\/tags?post=378607"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}