Age-proof: How to live longer without running short on money
Add years to your life while adding money to your retirement fund.
Author: Monica Robins, Stephanie Metzger
Published: 10:04 AM EST February 12, 2018
Updated: 9:25 AM EST February 19, 2018
HEALTH 21 Articles

You don't have to live forever to lead a fulfilling life.

But that doesn't mean you can't feel ageless as you grow. Nor should you have to fret over your expenses forever.

Today Show financial editor Jean Chatzky and Cleveland Clinic Chief Wellness Officer Dr. Michael Roizen paired up to pen "Age-proof: Living longer without running out of money or breaking a hip" last year. The book is a New York Times Bestseller that explains the important link between health and wealth.

WKYC sat down with Chatzky and Roizen to discuss the book. Roizen shared the health tips you'll see below and Chatzky added her financial advice. From changing your diet to changing the way you spend money, the pair says you can add years to your life and dollars to your retirement fund.


Age-proof: How to live longer without running short on money

Chapter 1

LUV U foods

You want LUV-U foods: Foods that you have a relationship with, but love you, too. And that's 4 letters: L U V U.

  • L: Lean protein
  • U: Unsaturated fat -- use olive or canola oil as your main fat
  • V: Vegetables -- any vegetable or grain

Roizen recommends a combination of salmon and spinach. He also says to opt for unprocessed grains.

Chapter 2

Snake oils

You want to get rid of the four S's: Snake oil foods that make your body a lot older. Those are:

  • Simple sugars
  • Added syrups
  • Saturated fat: It's not the saturated fat, it's the things that come with it. Get rid of those because they change the bacteria inside of you, causing inflammation.
  • Simple or stripped carbs: You want to become Olympic ready.
Chapter 3

Swapping habits

You have to break bad habits. Your brain wants to be busy, so you have to break a bad habit, not by eliminating it, but by substituting it.

For instance, instead of watching TV for 30 minutes on the couch, put on some sneakers and walk around while you watch TV, or do push-ups during commercials. Another swap: instead of using your phone just for Facebook time, use it to get healthy. Measure your sleep, look at your stress levels. Finally, instead of that second glass of wine, choose delicious dark chocolate in 22-calorie discs. You're in heaven and much younger.

Chapter 4


You want an age-proof doctor who helps you get younger.

Check your primary care physician out before you choose one. Yes, you get the choice. Are they board-certified? There are many doctors that aren't board-certified, but being board-certified means they have a lot more medical knowledge. Second, who covers for them when they are away? And third, does the person or group that covers for them and the emergency room you're likely to visit have access to the primary care medical records? These are important because you want everyone who cares for you to know everything about you in an emergency.

Chapter 5

4 physical activities

You want to do four physical activities.

Walking is an easy one. Don't go to bed without 10,000 steps/ Use a pedometer, watch, whatever you have, measure them.

Work gradually. Make yourself strong with resistance training and exercise. Move your body weight against gravity with push-ups and lunges.

Third, do cardio for 21 minutes, three times per week so that you are sweating in a cool room.

Fourth, jumping! Twenty jumps in the morning and 20 in the evening make your hips and spine strong. Just check with your doctor before you do these.

Chapter 6

Tests at home

To age-proof yourself, do some tests.

You can get tests on your LDL cholesterol and inflammation levels in your doctor's office. But you can do a whole bunch of tests at home. How many push-ups can you do in one minute? How many curl-ups can you do in one minute? What is your waist size? Put a tape measure around your belly button. It should be half of your height or less. What is your blood pressure? What is your grip strength? Do those tests and you will really know how age-proof you are.

Chapter 7

Health care all-stars

You want to have some all-stars on your team.

You are the first all-star.

Second is your primary care physician.

Third is your buddy. You need an accountability buddy.

Fourth is your pharmacist, who knows all the drugs, drug interactions, prices and most underused.

Chapter 8

Work environment

Does your associate have a candy dish on their desk? Substitute nuts for snacking instead -- walnuts are great! Or dark chocolate. Those will make your work environment healthy.

You can also age-proof your entire work environment. Instead of emailing from your desk, walk over to your colleague to personally deliver the message. Do a walking meeting instead of sitting in a conference room. If you are in better shape than your colleague, pick up the pace and you get a negotiating advantage.

Chapter 9


What did you do on your phone today? Did you find out that a German Shepard can do yoga better than you can? That's all good, but now you can use your phone, whether it's an iPhone or an Android, to download the Food Share Care app, track your steps, learn your stress and track your sleep. Get healthier by using your phone.

Chapter 10

Medical exams and tests

You want to ask four questions before you get any test, treatment or medicine. How will this change what I am doing? What will we do with the result? What are the side effects? What are the alternatives? How will this change my overall risk and my outcome? You will be a lot younger and a lot safer if you know those answers

Chapter 11

Ending financial fragility

Did you know that half of all Americans don't have $2,000 that they could grab in an emergency? That makes them financially fragile.

You want to get out of that situation. Here's what you can do.

First, you want to be aiming to save 15 percent of what you earn at all times. But don't start there. That's too high a bar. Instead, just stash two percent. In six months, nudge that up another two percent, then another two percent and eventually you will get there.

Move your savings off to the side in a separate account that you won't see. That way you won't touch them.

If you've got a 401k or other sort of work-based retirement account where you get matching dollars, do your best to grab all of those. That's free money that you don't want to leave on the table.

Chapter 12

Find a money buddy

My friend Diane is my running buddy. I know I have to meet her on the corner. I have to show up so that I don't just leave her standing there. You need a person like this to keep you accountable for your financial goals. We call this a money buddy.

A money buddy is someone that you confide in, such as here's what I want to do this year and here's the amount of debt that I want to pay off. This person helps you, hears you, cheers you on. But they don't love you so much that they get blindsided by your love. We call this a money buddy. They are people that you trust more than people that you like so that you can be truly honest.

Chapter 13

The anti-budget budget

The word budget is a lot like the word diet. People hate it. But here's a secret: You don't have to budget. You can anti-budget. It's kind of like budgeting backwards, you save first. Make sure you are putting away all the money you need to into your 401k, into your emergency savings cushion. After that, you use the money that you need for your fixed expenses -- your mortgage and your car loan. Whatever is left over, should be about 15 to 20 percent, is yours to do with as you please.

Chapter 14

Find your financial advisor

The question Chatzky says she gets asked more than any other is, "How do I find someone to help me with my finances?"

Don't start with Google, don't start with the yellow pages. That's too wide a net. Ask your friends -- even better ask your friends in similar financial situations -- for names that they are working with. Create a short list with three or four people, then schedule meetings with those people (which should be free, by the way). When you are sitting in those meetings, find out how much they are paid -- how their revenue model works, how much risk is appropriate for someone in your situation. More than anything, gauge your comfort level. You need to be as open as possible with your financial advisor -- as you are with your doctor.

Chapter 15

Set spending roadblocks

One of the reasons that 401k savings work so well is that there are roadblocks, taxes and penalties when it comes to getting your money out. If you can put into place similar roadblocks for spending, it will help you spend a lot less.

Remove the credit cards from all the websites where you shop frequently. That will make one-click ordering a little bit harder. Unsubscribe from those email lists that pepper you will offers that you just can't resist. Finally, set a purchasing pause. This basically says, I'm going to wait 24 hours before I buy anything. That way I can get home and figure out that I didn't really need it anyway.

Chapter 16

Stop throwing away money at the grocery store

Did you know that one in three Americans wastes $2,600 a year on groceries? That breaks down to $50 per week and that is totally unnecessary.

Here is now to stop. First, before you take a trip to the grocery store, shop your own fridge and freezer and pantry. You will be amazed at what you can cook up with what you already have. Second, make an effort to use foods before their expiration dates so that you are not throwing them away. Third, when you do head to the grocery store, eat first and wear headphones. Grocery stores pipe music into their aisles to get you to linger and spend more.

Chapter 17

The In-and-Out Rule

Here is one of my favorite quick tips to stop over-shopping. Apply the one-in-one-out rule. You've got a pair of black pants in your closet. You have to get rid of them before you buy a new pair. Same goes with technology, but don't just get rid of those things, sell them. They have value. You can unload technology on sites like Gazelle and U-sell. You can unload your clothes on places like Poshmark, Tradesy and The RealReal.

Chapter 18

Take a lesson from the super savers

Have you ever heard of super savers? They are people who manage to save 35 to 50 percent of whatever they are earning year in and year out and it gets them to financial freedom much faster.

You want to be one? Then you have to make sure you line up your spending with your values.

Keep a spending journal, but don't just track how much you are spending, track how you feel about it. You'll start to notice patterns about it. You'll find you don't care about all that money you spend eating out, so you can wipe that away. You do care about things like travel, so you can put more of your resources there.

Chapter 19

Downsize sooner

Many people think when I retire, I'll downsize. But here's a suggestion, particularly if you are looking to boost the value in your retirement accounts: downsize sooner.

You will be able to spend more years living less lavishly. And every bit of money will go right into those retirement accounts. Plus, you might net a big chunk of change selling that big place and buying a smaller one. That could be invested to grow for your future as well.

Chapter 20

The Avalanche Method

There are a lot of different methodologies for paying off credit card debt, but mine is the cheapest and the fastest.

It's called the Avalanche and here is how it works: Lay all your credit cards out on the table, organize them in terms of interest rate from highest to lowest. Try to lower your interest rates by picking up the phone and calling your credit card company, or execute a balance transfer. Once you've got them as low as possible, start by paying off the card with the highest interest rate first while making minimum payments on the rest of them. Once that card is done, put it away and concentrate on the card with the next highest rate, and the next highest rate. Keep your fingers off the plastic. Use a debit card if you have to, so that you are not charging these cards right back up.

Chapter 21

Learn more

"Age-proof: Living longer without running out of money or breaking a hip" is available at major retailers nationwide. Learn more about the book here.