Workers increasingly see themselves as more physically fit than fiscally fit, suggesting that good health is their strategy for saving money in retirement. But until they get control of their finances, their health is at risk no matter how many laps they may swim.

The key to happy and productive retirement years is staying healthy. Yet, it’s not just about diet and exercise. How you manage your money often determines your level of stress, which if too high may lead to chronic health problems like heart diseases and diabetes. So you’ll have to do more than switch to whole wheat and start jogging around the block every day. Your health also depends on feeling good about and in control of your finances. Not a lot of people understand that—and relatively few are doing much about it. There’s the grim reality that poor health cuts lives short. Besides the tragic truncation of a loved one’s life, it’s also the tragic truncation of a financial legacy for the spouse, children and grandchildren.