When you think about your staying healthy, what comes to mind?

Most people think about diet and exercise – things that impact weight.

It’s easier to take action when clothing becomes snug.

Also, attending a major upcoming event, such as a wedding or reunion, can increase motivation.

Something often overlooked is regular exams, which are necessary for preventative maintenance. These exams include physical, vision, and dental.

It’s preventative because these exams can identify health issues early.

Most insurance companies will pay for regular exams. They recognize it will be less expensive in the long run if they can identify health issues early.

Usually, people wait until the end of the year to schedule these exams. At that time, they must use their Flexible Savings Account or risk losing their contributions.

Unfortunately, scheduling an appointment in a short timeframe may be challenging if you live in a populated city.

Most people are very good about scheduling regular exams for their kids – mainly because schools require it.

Regrettably, they don’t schedule their own exams due to a lack of time.

Here’s one thing to remember: when you’re healthy, there are many things to do, but when you’re unhealthy, there is only one focus: healing.

Can you afford to be down for a lengthy period if your health fails you?

Why wait for a health issue to surface?

Be proactive and schedule your regular physical, vision, and dental exams.

(Update to original post from July 21, 2017)


Niv Persaud, CFP®, CDFA®, RICP®, is a Managing Director at 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 developing  comprehensive financial plans, divorce financial reviews, and retirement plans. 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.’”