Compound Interest: A commitment to exercise
It's the first month of 2026.
As I look back on 2025, it certainly had its challenges and great experiences. Some things went close to plan; others, inevitably, did not. One consistent thing was my daily workout regimen.
As I think about my goals and aspirations for the coming year, one thing is an absolute - I will continue my commitment to myself to keep my body as strong as possible. Daily exercise with one or several of the following will continue to be part of the plan: frequent yoga (even when traveling), strength training (at least twice a week), and frequent long hikes/walks (got to get outside).
Undoubtedly, there are elements of vanity to my commitment to exercise. But it's more than that. As I look back on my life, my passion and discipline for my daily exercise routine have paid unbelievable compound interest.
I can't bench press as much as I used to. I can't track down fly balls in center field like I used to. But my core is stronger than ever, and my overall health is a catalyst to my inner peace and emotional and spiritual well-being. The compounding effect is undeniable, blossoms in unexpected ways, and will continue to pay interest for the rest of my life.
Here are some of the manifestations of compound interest:
→ My body heals from injuries and ailments more quickly.
→ The financial savings in proactive health measures are dramatic.
→ I have a reliable, inexpensive coping mechanism whenever I'm in a down cycle.
→ The healthy lifestyle communities provide an overwhelmingly powerful feedback loop.
When I think about it, I know of other people who have figured out how to integrate exercise into their routines during these times, and I admire their dedication. Since then, I've learned there are no excuses when it comes to the exercise regimen.
• I have friends battling cancer who find a way to get some exercise, even short walks, to help them in their journeys. Truly admirable.
• I have dealt with long periods of chronic back pain in which I couldn't stand or walk for more than 10-15 minutes, which forced me to exercise on the ground with mundane core exercises and rubber bands. The unexpected blessing was how this strengthened my core.
• Even if I'm traveling, I find a way to walk for at least 30 minutes, even if that means taking stairs instead of elevators or walking long concourses instead of taking the train.
No excuses. It doesn't matter if there is snow on the ground, raining, or "I'm not in the mood." And I'm often "not in the mood," or could easily rationalize skipping it for the day.
Then I think about the unbelievable compound interest results I have experienced in my life from making it happen, and I ALWAYS feel better afterwards.
As Albert Einstein quoted:
"Compound interest is the eighth wonder of the world. He who understands it, earns it...he who doesn't...pays it."
-Tony
