Your Physical RRSP:

 By Jill Moreash, Your Wellness Warrior

Most of us know we should save money for retirement.

But far fewer realize we should also be saving for our physical retirement — the years when we want to move confidently, stay independent, and enjoy life on our own terms.

That’s where the idea of your Physical RRSP comes in. Every rep, stretch, and practice you do is a deposit toward your future strength and mobility. And just like your financial accounts, small, consistent deposits add up over time.

The best part? 

It’s never too late to start.

Every workout is a contribution to your future self.

Whether you:

• strengthen your legs and core
• work on balance drill 
• practice mobility to keep joints happy
• do adaptive or seated movement
• or take a short walk
   

…you’re making a deposit.

Five minutes counts.
A 20-minute session counts.
Seated movement counts.

Consistency beats intensity — every time.

One of my clients started with just five minutes of daily ankle mobility. Within weeks, she felt steadier on uneven ground — proof that small deposits really do compound.

Just like retirement savings grow quietly over time, so does your physical capacity.

A few short workouts each week can lead to:

• fewer falls
• stronger bones
• steadier balance
• more energy
• sharper brain function
• improved mood
• confidence in daily movement
   

You won't always feel the changes overnight, but your future self will absolutely benefit.

Any financial advisor will tell you to diversify your investments 

— and your body deserves the same strategy.

A strong physical “portfolio” includes:

• Strength training – your biggest long-term asset
   
• Mobility work – keeps joints moving well
   
• Balance training – essential for fall prevention
   
• Cardiovascular movement – supports heart and brain health
   
• Recovery – sleep, hydration, nutrition, pacing
   

When you train multiple systems, you protect yourself from the natural changes that come with aging — the same way a balanced investment plan protects you in uncertain markets.

Everything you want to do in your 60s, 70s, 80s, and beyond is a withdrawal from your Physical RRSP:

• walking the dog
   
• climbing stairs
   
• gardening
   
• carrying groceries
   
• traveling
   
• playing with grandkids
   
• staying steady on uneven terrain
   

If you’ve made regular deposits, these withdrawals feel easy and natural.

If not, you may slip into “physical debt” — pain, instability, weakness, or loss of independence.

Training today ensures you can keep doing the things you love tomorrow.

   Most people save money not just to survive retirement, but to enjoy it.

Your Physical RRSP works exactly the same way.

Strength, mobility, and balance protect:

• your independence  

• your confidence  

• your ability to move without fear  

• your quality of life 

• your long-term health and resilience  

And the best news?  

You can start:

*at any age, 

*any fitness level, 

*and with any ability. 

The Warrior Way: Build Your Physical RRSP With Support

At Your Wellness Warrior, I help adults 50+ build strength, stability, and confidence through inclusive online classes for all abilities — including seated and wheelchair-friendly options.

Whether you're navigating menopause, rebuilding after injury, aging actively, or living with mobility or neurological challenges, movement always pays interest.

Your future self is cheering you on.

If you'd like expert guidance in a welcoming, supportive environment:

👉 Try a live online class — strength, stability, mobility, and cardio conditioning, all adaptable for every body.

👉 Or consider 1-on-1 personal training for a personalized plan that meets you where you are.

Let’s build your Physical RRSP together — one powerful deposit at a time.