Financial Planner Shares 3 Keys For A Healthier Retirement

Retirement is not just a financial milestone; it is the chapter where years of saving should translate into vitality, presence and independence. Hopefully, it will also be the time you can joyfully check a few items off your bucket list. As a longevity enthusiast and Certified Financial Planner®, I focus on three simple, high-impact pillars that pay dividends in health and well-being for my clients: sleep, food and movement. These are the behaviors that most reliably shift risk, energy and quality of life as we age. A healthier retirement can be yours.

No amount of money will guarantee your health into the distant future. Your joints don’t care about your compounded stock market returns or whether you are a 401(k) multi-millionaire. Over the past 20+ years helping people reach and maintain their financial security in retirement, I’ve seen the difference between a healthy retirement and the high cost of not taking care of yourself as you age. This is why I’m sharing three tips anyone can implement for little to no money to improve their health as they age. You don’t have to spend millions of dollar to have a healthier retirement.

Sleep: Essential For A Healthy Retirement

Many of us take sleep for granted. However, sleep is the foundation of repair, memory consolidation, hormonal balance and metabolic health. Poor sleep accelerates cognitive decline, increases cardiovascular risk and erodes the energy you need to enjoy retirement.

High-impact habits improve your sleep.

• Prioritize consistent timing. Go to bed and wake up within a 30–60-minute window every day to stabilize circadian rhythm.
• Create a wind-down routine. Dim lights and stop screens 60–90 minutes before bed, and replace blue-light activities with calming rituals like reading or gentle stretching.
• Optimize the sleep environment. Keep the bedroom temperature cool, dark and quiet; invest in a supportive mattress and blackout curtains.
• Address sleep disorders early. Snoring, daytime sleepiness or frequent awakenings merit evaluation for sleep apnea or insomnia; treatment restores both sleep and long-term health.

With tariffs and inflation squeezing many retirees’ budgets, quality sleep can reduce healthcare costs by lowering risks of chronic disease and cognitive impairment. Investing in sleep —through better bedding, noise reduction, or medical evaluation — is a small up-front expense with outsized returns on quality-adjusted life years. Many habits that can improve your sleep are free or at least close to free, such as darkening your bedroom or wearing an eye mask.

Healthier Retirement Tip: Eat More Whole Foods

According to the NIH, 74% of Americans are overweight. With this in mind, a vast majority of Americans could likely benefit from eating more whole foods, which hopefully pushes out some of the super-processed crap sold at the supermarket. Likewise, your 60+ year-old joints will feel much better with a few less pounds putting pressure on them throughout the day.

Nutritional choices shape inflammation, body composition, metabolic health and brain aging. Diet patterns matter more than single food fads. The same dietary framework that supports longevity also supports the mental clarity and physical resilience needed for an active retirement.

Eating Habits To Improve Health In Retirement

• Adopt a mostly plant-forward, protein-sufficient pattern. Vegetables, whole grains, legumes, nuts and healthy fats form the base; include high-quality protein at each meal to preserve muscle mass.
• Emphasize whole foods over processed foods. Minimize added sugars, refined grains and ultra-processed products that drive weight gain and metabolic dysfunction.
• Time protein and resistance with meals. Aim for 20–30 grams of protein at breakfast and lunch to support muscle maintenance; align resistance training sessions with protein-rich meals to maximize benefit.
• Use practical rules, not perfection. An “80/20” approach—nutritious choices most of the time, enjoyable treats knowingly—sustains adherence and social life.

Yes, this fabulously frugal financial planner is telling you to spend more money on food. You can eat filet mignon at home for the price of an expensive hamburger out. That is before adding in the cost of a cocktail or even a bottle of water (some restaurants in Los Angeles are charging $15 for a bottle of Pellegrino, which is pushing $20 with tax and a 20% tip). Full disclosure, I love eating out, but I don’t do it for every meal.

Food is both a lifestyle and a budget item. Planning meals, buying seasonal produce and prioritizing proteins can be cost-effective compared with frequent medication use or chronic disease care later. Consider budgeting for nutritious meal services or a nutritionist as preventive health expenses in retirement projections.

Dreaming of an early retirement? Here is what it takes:

Stay Active And Increase Movement For A Healthier Retirement

Movement preserves independence. Strength, balance and aerobic fitness are the strongest predictors of the ability to live independently and enjoy activities you plan for in retirement. Sedentary time is an independent risk factor for disability and mortality. You don’t need to go out and start doing Olympic lifts or run marathons. You might benefit from just adding 500 more steps per day and building from there.

High-Impact Habits To Stay More Active In Retirement

• Focus on three domains: strength, balance and aerobic capacity. Two to three weekly resistance sessions, daily balance practice and regular aerobic activity build a resilient body.
• Prefer compound, functional movements. Squats, deadlifts, rows and step-ups improve everyday function more than isolated machine work.
• Break up sitting with short activity bursts. Stand, walk or perform light mobility for three to five minutes every 30–60 minutes to counteract the harms of prolonged sitting.
• Use movement as a social tool. Group classes, walking with friends and active hobbies create social bonds that protect mental health.

Maintaining mobility reduces the likelihood of costly caregiving, long-term assisted living and hospitalizations. No one wants to spend their golden years confined to a La-Z-Boy recliner. For those of you who love to travel, many historic sights, like the Acropolis or pyramids, are not ADA-compliant and are not easy to visit up close without the ability to walk on uneven surfaces.

Putting The Three Keys To Healthier Retirement Together

Integration matters more than isolated excellence. A day with consistent sleep, balanced meals and purposeful movement compounds benefits: better sleep improves appetite regulation and recovery from exercise; adequate protein and strength training protect muscle so you can move efficiently and safely; regular movement promotes deeper sleep. Build systems that make these behaviors automatic: scheduled workouts, meal prep windows, bedtime alarms and physical activity prompts.

Health is the most leverageable asset in retirement. Financial planning secures the resources to live the life you want; longevity habits buy you the years and the quality to enjoy those resources. Prioritize sleep, food and movement together, and treat them as purposeful investments in both longevity and the retirement you envision. No amount of money can buy you your health back, but a small investment in time and money today can help you improve your health well into the future. It is much cheaper and easier to slow aging now than to try to reverse it later. These are just a few easy tips to help get you on the path towards a healthier retirement.