26/06/2026
A line in a magazine stopped me in my tracks recently.
“Every workout is a deposit into a pension your future self gets to draw on.”
It comes from personal trainer Elizabeth Davies Elizabeth | Training For My Old Lady Body™️ whose book Training For Your Old Lady Body is full of practical thinking about preparing for the woman you’ll become. The quote stayed with me because it perfectly captures something I think about all the time.
Most of us find it surprisingly hard to make decisions for our future selves because they don’t feel like us yet. Retirement feels distant and ageing feels like something that happens to other people. So today’s spending, today’s to-do list and today’s excuses tend to win.
The same is true of fitness. Nobody expects to wake up at seventy feeling strong, mobile and independent without years of small decisions that came first.
Financial planning works exactly the same way.
The people who reach retirement with confidence rarely got there through one brilliant decision. They got there through hundreds of ordinary ones. Saving regularly. Reviewing their plan. Staying invested. Adjusting when life changed. Keeping going.
Your future isn’t built all at once.
It’s built one decision at a time.
Thank you, Elizabeth, for a line I know I’ll be thinking about for a long time.
I’d love to know what deposit you’re making today for the person you’ll be in twenty or thirty years.
