Piggy Bank Friendly Fitness

When Chris Reining was 29 he set a goal of having $1 million in his brokerage account by age 35. He was only making $75,000 a year working in a cubicle. That was a pretty massive goal.

This is the time of year when a lot of us set goals. Most of these goals focus on health and money which are the two biggest areas for New Year’s Resolutions. And, sadly, most of those goals have already been abandoned. Only an Elite 8% will cross the finish line.

If you’re doing The 30 Day New Year Fitness Challenge were you aware that your fitness goal can also help you reach a money goal?

When Chris turned 35 he had his $1 million. For six years Chris was a supersaver. He stopped taking flying lessons and going out at night. He also became more intentional with his food spending. As he cut his expenses he diverted all that money into his brokerage account.

Chris retired from his cubicle job in 2016 at age 37. He now has a blog to help others reach their money goals. (You can check it out HERE)

If you want to improve your physical and financial health, walking is a great way to do BOTH. You don’t need a gym, special equipment, or clothing. That can really add up. The average cost for a gym membership is $58. Clothing and equipment can add hundreds, and in some cases, thousands to the cost of your fitness journey.

Don’t forget to factor in the cost of gas to get to the gym and back. And, there’s also the opportunity-cost of the time spent driving. That’s time you could be using to other things…including making money.

If you take the dollars you’re saving by walking for fitness and invest them you could end up with a nice chunk of change down the road.

But, wait…there’s more.

The Centers for Disease Control want all of us to move more and sit less. We are healthier when we do that. The CDC keeps telling us the benefits of exercise include a stronger heart, a reduced risk for lots of cancers, and better brain health.

And, what happens when we are healthier? We spend less on health care!

Right now the average healthcare cost PER PERSON is more than $10,000 a year. (you can get the details HERE) When you invest time and energy in your fitness you are potentially saving a lot of future dollars that you won’t be spending on doctors and medicine. For some, those future healthcare opportunity costs can include lost wages and time to build a business.

As you reach your step goal today and add another link to your growing fitness chain also know this. It’s not just a fitness win.

It’s also a financial win.


If you don’t have a daily step goal, I want to challenge you to give it a try. Not only will it improve your mood, it will also help you create a fitness habit. I call it The 30 Day Fitness Challenge. This free guide will walk you through how to get started. It’s very easy.

If you don’t have a Fitbit I recommend the Fitbit Inspire HR. This is the Fitbit I use to track my 20,000 steps a day. The Inspire HR also tracks your heart rate and sleep so you get an even wider picture of your fitness progress.


(By the way…if you use the links in this article to make a purchase this blog will receive a small commission. It won’t add anything to what you pay, but letting you know is the right thing to do)

This blog is designed to help you embrace walking as a fitness activity. It’s sustainable, flexible, effective, and fun. Every week I post new articles with stories and helpful suggestions to Win at Fitness.

If you click FOLLOW (below on your phone…to the right and above on your computer) you’ll receive an email with a link to each new blog post.



  1. I am curious where you get your $10,000/person a year for health care cost information. Does this include health insurance costs? Data without sources is meaningless. AND to say ONLY $75,000 a year income?? I worked as an RN and never made close to that income.

    • I just added a link to the source for $10,000 a year on health care. It includes the costs of insurance and out of pocket health care expenses. Fair point on the adjective of ONLY before the $75,000 per year income. But, considering his goal was to have $1,000,000 saved in six years he had a pretty big mountain to climb compared to someone who was making, say, $250,000 a year. Thanks for the comment.

      • C.Driver, I also cringed a little about the only comment at first and see your point.
        However, Dave, after listening to you on the radio for many years and reading your blog for almost a year, I believe that your intentions are only the best and meant to help all with this blog. Thank you for writing this week after week! I am encouraged with each read.

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