You can earn more, save more, and still feel broke if your body is running on empty. Sleep, strength, and steady energy are the kind of capital that compounds — and you can’t outsource them.

A simple version that actually sticks:

• Sleep like it matters. Same rough bedtime, dark room, phone out of reach.
• Move most days. Walks count. Lift something a few times a week so you keep muscle.
• Eat real food more often than not. Protein, plants, and fewer constant snacks.
• Get outside. Sunlight and a walk fix more moods than another scroll.
• Guard the basics: water, stress you can name, and a doctor when something’s off.

Money gives you options. Health decides whether you can use them. The richest schedule in the world doesn’t help if you’re too tired to live it.