2) Physical Health (Your Body Is Infrastructure)
Establish fitness routine (minimum effective dose)
You don't need to become a gym rat. You need consistent, sustainable movement. Strength training 2-3 times per week is non-negotiable—muscle is your 'longevity organ,' protecting you from metabolic disease and keeping you functional as you age. Bodyweight exercises (pushups, squats, lunges) work fine; you don't need a gym membership. Zone 2 cardio (conversation pace) for 150 minutes per week builds your mitochondrial health and endurance—this can be brisk walking, cycling, or jogging. One HIIT session per week (20 minutes of intervals) improves your VO2 Max, the best predictor of longevity. Here's the hack: a 15-minute bodyweight workout is 90% as effective as an hour at the gym. Do something every day. Set hourly reminders to stand and stretch if you have a desk job—sitting is the new smoking.
If you have a spouse or children on your plan, you need to know how the family deductible is calculated.
- Embedded Deductible (The Student Favorite): Each family member has their own smaller individual deductible. If one person gets sick and hits their individual $3,000 limit, the insurance starts paying for them even if the rest of the family hasn't spent anything.
- Aggregate Deductible (The Shared Bucket): There are no individual limits. The entire family must work together to hit a large total (e.g., $6,000) before anyone gets coverage. This can be very expensive if only one person needs care.
Free Resource: Embedded vs. Aggregate Deductibles Explained
Resources
Record your progress
Mark this subsection complete to track your progress.