When you think about your physical health, what comes to mind? Most people think about eating and exercising. Things which immediately impact weight.

It’s easier to take action when clothing becomes snug. Also, having a major upcoming event such as a wedding or reunion can increase motivation.

Something which is often overlooked are regular exams – physical, vision, and dental exams. Everything which is considered preventative maintenance.

It’s preventative because these exams can identify health issues early. Most insurance companies will pay for regular exams because they recognize in the long-run it will be less expensive if they can identify health issues early.

Usually, people wait until the end of the year when they need to use their Flexible Savings Account or risk losing their contributions. Depending on where you live, you may not be able to schedule an appointment within a short timeframe.

Most people are very good about regular exams for their kids but mainly because schools require it. The main reason they don’t follow through on their own exams is due to lack of time.

Here’s one thing to keep in mind – when you’re healthy there are many things to do but when you’re unhealthy there is only one focus, healing. Can you really afford to be down for a lengthy period if your health failed you?

Why wait for a health issue to surface? Be proactive and schedule your regular physical, vision, and dental exams.

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Niv Persaud, CFP®, CDFA™, CRPC®, is the Founder of Transition Planning & Guidance, LLC. Life is more than money. It’s about living the lifestyle you want and can afford. For that reason, Niv consults with clients on money, life, and work. Her approach capitalizes on techniques she learned throughout her career, including as a management consultant, executive recruiter, and financial advisor. Her services include spending plan, financial plan, divorce financial review, life strategy, and professional progression. Niv actively gives back to her community through her volunteer efforts. She believes in living life to the fullest by cherishing friendships, enjoying the beauty of nature and laughing often — even at herself. Her favorite quote is by Erma Bombeck, “When I stand before God at the end of my life, I would hope that I would not have a single bit of talent left and could say ‘I used everything you gave me’.”