Health and Compound Interest: A Mental Model for Building a Lifestyle

Compound interest is the addition of interest to a principal sum. It is interest on interest. It is a principle that allows something to increase at faster and faster rates over time. For those visually inclined it is something like this…

https://www.fool.com/knowledge-center/compound-interest.aspx

Economics lesson over. We will apply the idea of compound interest to our approach to health.

This can take many forms. It can be purely psychological, as in a single good decision today makes me more likely to make a good decision tomorrow, and maybe even two good decisions the following day. Another way to describe this is something like the feeling of momentum. *Before we go any further, we will clarify this vaguery, ‘good decision,’ as anything objectively benefiting your health, ie. eating a serving of broccoli, walking outside for 10 minutes, doing a push-up, etc. This would be specific to you and these are general examples.* The compounding principle can also operate in a purely physiologic realm. If I do a set of push ups today, maybe I am able to build some small amount of muscle. If I build muscle, my body’s ability to dispose glucose is improved. If I can dispose of more glucose, my blood sugar goes down. That muscle it not likely to disappear any time soon, therefore I am better at disposing glucose everyday in the future. My average blood sugar over time (HA1c) goes down.

But here is where it gets fun. That same muscle (built from my push-up) that helps me regulate blood sugar helps me move more functionally, increasing my ability to meet the physical demands of life. It increases my resting metabolic rate, allowing my body to “burn” more calories throughout the day. It will help regulate certain hormones circulating in my body. Hell, doing the push-ups might just make me feel better afterwards. The single ‘good’ decision of doing push-ups generates health benefits in multiple dimensions. And the principle of compounding applies in every dimension! The general idea of health compounding is that no matter how insignificant a single ‘good’ decision today may seem, the majority of its benefit exists in your future. So cherish each and every positive decision you make, you just sacrificed a small amount today for a potential windfall tomorrow.

My favorite example of health investment and compound interest is sleep. I have learned to love sleep. We can view investment in our health through the lens of time. How many hours of the day am I doing something productive for my health versus how many hours I am doing something neutral or even negative? I will be the first to admit how difficult it is to make health conscious decisions in today’s environment. We have endless entertainment streaming right to our favorite device, delicious foods that someone would happily deliver to our very own door, not to mention all the gyms are closed! Needless to say, decisions in the best interest of our health are difficult to make. This is what makes sleep the king (or queen) of health decisions. If you prioritize giving yourself 8 hours in bed each night, you just banked 8 hours of good health decisions! You just optimized one-third of your day. Thankfully our unconscious state during sleep makes it rather difficult to be tempted by those beautiful desserts or “Click to play the next episode.” So from the abstracted point of view of wanting to make more ‘good’ decisions than ‘bad’ decisions throughout our 24 hour period, prioritization of sleep is paramount. In a more concrete view, sleep provides numerous physiologic benefits. Chronic short sleep can promote weight gain, hinder weight loss, dysregulate blood sugar levels, cause hormone imbalances (including those that regulate appetite), to only mention a few manifestations. If you are interested in the science of sleep and its physiologic outcomes, stay tuned.

I don’t want to dive too deep into the science right now as this post is more about the conceptual framework we need to adopt towards our health. Every single decision we make is a node in a network. The output from that decision node affects many other aspects of our life, it compounds. My sleep affects my energy, my energy affects my workout, my workout affects my sleep. My food affects my hormones, my hormones affect my appetite, my appetite affects my food choices. My movement affects my hormones, my hormones affect my energy levels, my energy levels affect my desire to move! Our body is a symphony. Every individual piece playing some minor role in the overall function. Don’t downplay a ‘good’ decision, regardless of how insignificant it may seem. Celebrate eating a serving of vegetables, acknowledge the victory of going for a walk, and throw a party for yourself tomorrow if you give yourself 8 hours in bed.

Best explorations

-Ryan; 4/30/2020

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out /  Change )

Google photo

You are commenting using your Google account. Log Out /  Change )

Twitter picture

You are commenting using your Twitter account. Log Out /  Change )

Facebook photo

You are commenting using your Facebook account. Log Out /  Change )

Connecting to %s