Personal Finance

Top 3 Investments for True Wealth: Health, Time & Relationships

Top 3 Investments for True Wealth: Health, Time & Relationships

If you’ve been diving into finance content for a while, you might have noticed that most creators focus heavily on stocks, real estate, or side hustles. But what if I told you the best investments aren’t always about money? In today’s post, we’re going beyond traditional financial advice and talking about the three most important investments you can make in your life that often get overlooked: health, time, and relationships. These are the real keys to a high return on investment (ROI) in the journey toward wealth and fulfillment.


Why Most Financial Advice Misses the Mark

Let’s be honest: financial YouTubers, blogs, and experts usually dive straight into numbers, charts, and strategies. Yet, even finance professionals tend to forget that without good health, free time, and meaningful relationships, money alone won’t bring happiness or true freedom. I’ve been guilty of this myself.

This post flips the script. Instead of focusing only on dollars and cents, we’re going to dig into how investing in yourself and your life can create the foundation for lasting wealth.


1. Investing in Your Health: The Ultimate Wealth Builder

Why Health Comes First

Imagine you’re the richest person in the world but battling a serious illness. Would you trade all your money just to get your health back? The answer is a no-brainer. Health is the most valuable asset you have, yet we often neglect it.

In the U.S., over 42.5% of adults aged 20+ are obese, and when you include those overweight, that number jumps to a shocking 73.6%. This neglect leads to chronic illnesses, low energy, and shorter lifespans.

How to Invest in Your Health

1. Improve Your Diet

Eating well isn’t about fad diets or restrictions; it’s about nourishing your body with the right foods. Balanced nutrition ensures you get the essential vitamins and minerals that keep your mind sharp and your body energized.

2. Establish a Regular Exercise Routine

Exercise might sound cliché, but it’s truly transformative. I’ve personally started going live on Instagram during my workouts—not only to motivate others but also to stay accountable. Once exercising becomes a habit, skipping workouts feels weird. Plus, it’s a fantastic way to boost mood and productivity.

3. Prioritize Quality Sleep

Our constant use of screens and devices has wreaked havoc on sleep quality. Aim for 8 hours of good sleep every night. Keep your bedroom a device-free zone to help your mind wind down. Trust me, your future self will thank you.

4. Limit Harmful Chemicals

Substances like alcohol, nicotine, and stimulants (e.g., Adderall) can sabotage your health goals. Moderation is key, but too much can impair sleep, weaken workouts, and disrupt healthy eating habits. When I was younger, I partied hard while staying active, but as I’ve grown older, I realize how much better I feel without those excess chemicals.

Why Health Is the Foundation

Good health enables you to enjoy everything else—time, relationships, and even wealth. Without it, none of the other investments matter much.


2. Investing in Time: The True Currency of Life

Why Time Is More Important Than Money

We often hear “time is money,” but time is actually more valuable than money. Even the wealthiest people who don’t have free time often feel trapped and unfulfilled. The reason health tops time in importance is simple: if you’re sick, your time isn’t as useful or enjoyable.

How to Gain More Time in Your Life

1. Build Financial Freedom

Money equals freedom units—more income means more options and less stress. But don’t fall into the trap of penny-pinching in small ways like skipping coffee while working a 9-to-5 that you hate. Instead, think bigger:

  • Increase your income by developing high-value skills or entrepreneurial ventures
  • Find gaps in the market and provide solutions
  • Invest wisely to build passive income streams

2. Lower Monthly Expenses

Your goal should be to reduce your monthly costs so your investment income covers or exceeds your spending. This can be done through:

  • Rental property income
  • Dividend income from stocks
  • Drawing down from a large investment portfolio

3. Work Smarter, Not Harder

Time management is critical. Outsource tasks, automate what you can, and focus on high-impact activities that save time or generate income. The more efficient you become, the more time you reclaim.

How Time Amplifies Wealth

Having more free time lets you pursue passions, rest, and spend quality moments with loved ones. It’s the ultimate form of luxury.


3. Investing in Relationships: The Social Wealth You Can’t Buy

Why Relationships Matter

Humans are social creatures wired for connection. Yet, in our digital age, many people feel isolated despite having hundreds or thousands of online “friends.” True relationships—whether with family, friends, partners, or neighbors—provide emotional support, joy, and a sense of belonging.

How Strong Relationships Enhance Your Life

1. Build a Support System

Having people to lean on during tough times or to celebrate wins with is priceless. Social support reduces stress, improves mental health, and even boosts longevity.

2. Combine Relationships with Other Investments

For example, a workout buddy not only helps keep you accountable to your health goals but also strengthens your friendship. Collaborating with others on business or investment projects can save time and open new opportunities.

3. Give Back and Feel Fulfilled

Philanthropy and helping others are some of the most rewarding experiences. Many wealthy individuals I’ve met were also incredibly generous. Giving back creates a cycle of positivity and purpose in life.

How Social Media Skews Our View

Social platforms often paint a picture-perfect life that makes many feel inadequate. Remember, real life isn’t Instagram-perfect. Investing in genuine connections beats virtual popularity every time.


Bringing It All Together: The True Meaning of Wealth

Why These Three Investments Matter Most

When you combine healthtime, and relationships, you’re investing in a life that’s fulfilling, balanced, and resilient. These aren’t just feel-good concepts—they have tangible benefits: better mental clarity, increased productivity, and authentic happiness.

Practical Tips to Start Today

  • Schedule workouts and meal prep as non-negotiable appointments
  • Audit your monthly expenses and find ways to cut unnecessary costs
  • Make time for people who matter—call a friend, join a club, or volunteer
  • Limit screen time before bed and create a calming nighttime routine

The ROI of These Investments Is Massive

Unlike stocks or crypto, these investments pay dividends daily in the form of energy, joy, and peace of mind.


Final Thoughts: Wealth Is More Than Money

If you’ve been chasing dollars without feeling fulfilled, it’s time to rethink your approach. True wealth comes from a healthy body, abundant free time, and meaningful relationships. These three pillars will not only make you richer but happier.

Remember, building wealth isn’t just about accumulating assets—it’s about investing in yourself and the life you want to live.


FAQs About Investing in Health, Time, and Relationships

Q: Can focusing on health really improve my financial situation?
A: Absolutely! Better health means more energy and focus to pursue income opportunities and enjoy your wealth.

Q: How do I find time when I’m already busy?
A: Start by identifying low-value tasks to eliminate or delegate. Increasing income and lowering expenses also helps buy back time.

Q: What if I’m not naturally social or outgoing?
A: Relationships can be small and simple—like reconnecting with family or joining a hobby group. It’s about quality, not quantity.

Q: Is it possible to balance all three investments?
A: Yes! They support each other. Health boosts energy for work and socializing; time lets you nurture relationships and care for yourself.


Invest in your health, reclaim your time, and build strong relationships. These are the real keys to unlocking a life full of wealth, joy, and purpose. Now go out there and start investing in what truly matters!

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