“The greatest wealth is health.” — Virgil

On a beautiful Sunday afternoon, I knew I’d regret it if I didn’t get out for a ride on the bike. It’s been leaning against the wall mocking me for weeks, waiting for my excuses to run out. Busy should never be our excuse for not exercising, not when the true answer is that we chose to prioritize something else with our precious time. So I got out there, and quickly surprised myself with the gains I’d made.

If we remember our three currencies in life—health, wealth and time—we ought to consider both our accumulation and spend rate of each. Will I be riding a bike up steep hills when I’m 85? Probably not, but I can do it today. And in doing it today I’m increasing the probability of doing it one day when I’m 85. So I ought to do the work today that makes me healthier tomorrow.

But it’s hard for us to work hard to accumulate for some imagined version of ourselves in a few decades. Perhaps the better thing to do is focus on more immediate gains in health and vitality and let the compound interest of a lifetime of fitness do the rest. The trick is not just to be active, but to do the activities that are enjoyable so that we keep on doing them for the rest of our days.

I’ve come to enjoy weight circuits because they’re relatively enjoyable to do (and I get to play my favorite music loudly). Those weight circuits have made me stronger and leaner, making those hill climbs on the bike easier, which in turn makes riding the bike even more fun than it already was. After not being on a bike for a month, I set four PR’s on four measured segments of the route, making for one exhilarating ride yesterday. It wasn’t like I set out to do a time trial, it just happened because I was more fit than the last time I rode.

I know that each workout is going to help me as I grow older, but the payoff can’t be some far off tomorrow if I hope to be inspired enough to make it a lifetime habit. But thankfully, today’s reward is an immediate increase in energy, vitality, athletic performance and in the way we feel about ourselves as we see gains. It all builds on itself, allowing us to reap the rewards of an active life now while building a stronger foundation of fitness for our latter years. And that, friends, is a win-win.