Healthcare costs are skyrocketing. Employers are cutting insurance coverage. Prescription drug prices continue to rise. In this financial climate, avoiding chronic diseases—which account for the majority of health care costs and may, in some cases, be preventable—is not only good for your health but is also a prudent financial strategy for the future.

Medical expenses for a heart attack victim can reach $100,000. The cost of treating the complications of diabetes is about $10,000 per patient per year. Even if you have excellent health insurance, the costs associated with chronic diseases add up.

The value of investing in healthy lifestyle habits has reached a historic high. Eating a healthy diet, taking dietary supplements, and exercising regularly are three long-term investments that may save you thousands of dollars while protecting your most valuable asset—your health. And the best news? These strategies are cost effective and can reap important benefits.

Just like developing a good financial portfolio, the earlier you start investing in your health, the greater the return will be. Even if you start off slow, over time your investments will accrue value. For exercise, begin by moving your body 30 minutes daily. Over time, you can increase the intensity and duration of your sessions. Initial dietary changes can include regularly choosing healthy, nutrient-dense foods such as cruciferous vegetables and high-fiber whole grains. The next step may be eliminating empty calories from your diet. Adding consistent use of dietary supplements to fill-in nutrient gaps and promote overall health helps maintain long-term wellness and vitality. Start off by supplementing your diet with the basics: a good multivitamin/mineral, omega-3 fatty acids, and fiber.

If you need help getting started, head to www.lifesupplemented.org and take a short but thorough interactive quiz (My Wellness Scorecard) that will give you a free, personalized wellness overview with simple suggestions for improvement. Use the results as a starting point to talk with your doctor about a total wellness plan specific to your individual needs.

Investing in your health today creates personal wealth more valuable than any bank account or material possession.