Fitness and Finances: That Workout Mindset Can Boost Your Wealth Too

At first glance, fitness and finances may not seem connected—aside from starting with the same letter. But through my personal journey dealing with a neck condition and investing in my physical health, I’ve come to see just how alike they really are. Here are three things I’ve learned from my physical therapy and training sessions that also make total sense when it comes to money.

1. Find the root of the problem (and don’t just shake it off)

I used to shrug off my constant neck and back pain—until it got so bad I couldn’t ignore it anymore. Only then did I finally seek help and begin a proper treatment plan. Looking back, I realized I wasted so much time (and comfort) by delaying action.

The same thing happens with money.  If you’re constantly wondering, “Where did all my money go?”—it’s time for a financial check-up. A simple tracker can reveal where the leaks are, whether it’s too many food deliveries or that one shopping app you swore you deleted. Once you know what’s really going on, you can start making changes that matter.

2. Don’t be afraid to invest in help.

When I was younger, I avoided getting a personal trainer because I thought it was too expensive. I figured I could just DIY my workout routine with YouTube university. While that’s possible for some, I ended up with more injuries than progress.

Getting a coach was a game-changer. Not only did I learn the right form and exercises to target weak muscles, but I also became more consistent and confident. Over time, I was able to adjust and be more flexible—but starting with expert guidance made all the difference.

Finances work the same way. You don’t have to figure everything out solo. Whether it’s a money-savvy friend or even something like NEXT’s Virtual Financial Coach, getting guidance—especially when you’re just starting—is a wise move. (By the way, it’s free if you maintain at least P100,000 in your savings or investment account!)

3. Show up, even if you don’t feel like it.

Progress doesn’t happen overnight—one workout won’t build muscle. I’ve learned that even the best training plan won’t help if I skip sessions or get lazy. But every time I do show up, I’m reminded why it’s worth it.

The same goes for your finances–one deposit won’t build wealth. You don’t need to go full budgeting ninja every week, but you do need to check in. Track your spending, revisit your goals, and keep at it—even when it feels slow.

Whether it’s your body or your bank account, consistency is what moves the needle. Results take time—but your future self will be so glad you started. Keep showing up, ask for help when you need it, and celebrate the small wins. They add up.

Looking for articles to help you achieve fitter finances? Visit NEXT by BPI Preferred’s The Program