A midlife money checkup

Are you still on pace to reach your goals despite today's market woes? Find out by taking this nine-step test of your financial health. It won't hurt a bit.

9. Are you staying healthy?

DO IT NOW
If you smoke, quit. Walk 30 minutes a day, five days a week - a 2005 Dutch study found that even moderate exercise helped middle-age people live longer. And feel free to have a drink a day (two if you're a man). Several studies have linked moderate drinking to good health.
9. Are you staying healthy?
Your health isn't something you'd expect to review in a financial checkup. But what could have a greater impact on your retirement security? Your physical condition will dictate everything from your medical bills to how long you can work - in a recent McKinsey & Co. survey, 40% of retirees said they'd left the job earlier than planned largely because of health problems.

Unfortunately, the health outlook for boomers is far from bright. Despite a youth that spanned Jane Fonda workouts, spin classes and yoga, many are in poorer health than their parents, says Olivia Mitchell, head of the Pension Research Council at the Wharton School of Business. In a recent national health survey, many early boomers (those who are now in their mid-fifties to mid-sixties) reported difficulty walking one block or climbing a flight of stairs.

So what does it take to stay in shape? Just four healthy habits can help you live 14 years longer on average, according to a recent Cambridge University study: eating plenty of fruits and vegetables, regular exercise, moderate drinking and not smoking.

As longevity expert Laura Carstensen points out, if you maintain your health, you have nothing to fear from getting older. You'll actually leader a richer and more satisfying life.
Last updated February 11 2008: 1:33 PM ET

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Market indexes are shown in real time, except for the DJIA, which is delayed by two minutes. All times are ET. Disclaimer LIBOR Warning: Neither BBA Enterprises Limited, nor the BBA LIBOR Contributor Banks, nor Reuters, can be held liable for any irregularity or inaccuracy of BBA LIBOR. Disclaimer. Morningstar: © 2014 Morningstar, Inc. All Rights Reserved. Disclaimer The Dow Jones IndexesSM are proprietary to and distributed by Dow Jones & Company, Inc. and have been licensed for use. All content of the Dow Jones IndexesSM © 2014 is proprietary to Dow Jones & Company, Inc. Chicago Mercantile Association. The market data is the property of Chicago Mercantile Exchange Inc. and its licensors. All rights reserved. FactSet Research Systems Inc. 2014. All rights reserved. Most stock quote data provided by BATS.
Market indexes are shown in real time, except for the DJIA, which is delayed by two minutes. All times are ET. Disclaimer LIBOR Warning: Neither BBA Enterprises Limited, nor the BBA LIBOR Contributor Banks, nor Reuters, can be held liable for any irregularity or inaccuracy of BBA LIBOR. Disclaimer. Morningstar: © 2014 Morningstar, Inc. All Rights Reserved. Disclaimer The Dow Jones IndexesSM are proprietary to and distributed by Dow Jones & Company, Inc. and have been licensed for use. All content of the Dow Jones IndexesSM © 2014 is proprietary to Dow Jones & Company, Inc. Chicago Mercantile Association. The market data is the property of Chicago Mercantile Exchange Inc. and its licensors. All rights reserved. FactSet Research Systems Inc. 2014. All rights reserved. Most stock quote data provided by BATS.