Investment Tools

The convergence of biological and financial capital — where health becomes your greatest wealth lever.

Traditional retirement planning manipulates savings rate (P) and investment return (r). But the most powerful variable is time (N) — specifically the duration of your productive earning window. Health optimization extends N in ways that dwarf any achievable savings rate increase.

Free Interactive Tool

Project Your Net Worth with Health Multiplier

Our Net Worth Projector models geometric salary growth, tax-adjusted real returns, and a UK Biobank-calibrated Health Multiplier. See the "Double-Compound" effect of extending your productive years by up to a decade.

Project Your Net Worth →

Key Research Insights

3-6 months = 1% savings for 30 years

The Power of Working Longer

NBER research proves that delaying retirement by just 3-6 months has the same impact as increasing your savings rate by 1 percentage point over an entire career.

Source: NBER Working Paper No. 24226

+9.45 years of healthy life

The Health Multiplier

UK Biobank data (n=59,078) shows that optimal sleep, exercise, and nutrition habits can extend disease-free years by nearly a decade vs. baseline.

Source: MedRxiv 2025, UK Biobank

2x assets over 40% less time

The Double-Compound Effect

Extended accumulation + compressed decumulation: your portfolio doubles while your retirement spending window shrinks. The safe withdrawal rate transforms.

Source: Actuarial Analysis

+77% monthly benefit

Social Security Arbitrage

Claiming at age 70 vs. 62 delivers a permanent 77% increase in monthly benefits. Only those with high "Health Capital" can confidently capture this bonus.

Source: Social Security Administration

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Frequently Asked Questions

What is the Health Multiplier?

The Health Multiplier is an educational feature that illustrates the financial impact of extending your working life through health optimization. Based on UK Biobank data showing optimal lifestyle habits can extend healthspan by 9.45 years, it models the compound financial effect of additional productive earning years.

What return assumptions should I use?

Historical real equity returns (1900-2024) average 6.6% (Dimson-Marsh-Staunton). A balanced 60/40 portfolio returns ~4.6% real. Forward-looking estimates from Vanguard suggest 3.9-5.9% nominal for US equities over the next decade. We default to 7% nominal / 4.5% real for balanced projections.

How does tax drag work?

Investment taxes are levied on nominal gains, not real gains. This creates an "inflation tax" — in a 7% nominal return environment with 3% inflation and 25% tax rate, your real after-tax return is only ~2.18%, not the 4% you might intuitively expect.

Is "working longer" really better than saving more?

Mathematically, yes. Each additional working year simultaneously: (1) adds contributions, (2) allows existing assets to compound without drawdown, (3) reduces the retirement period that assets must fund, and (4) may increase Social Security benefits. The effect is non-linear and dramatically more powerful than marginal savings rate increases.

What about the morbidity gap?

The average American lives to 79 but is only healthy until ~66 (HALE). The 12.9-year gap between lifespan and healthspan is the "morbidity phase" — years of disability, chronic illness, and forced early retirement. Health optimization aims to compress this gap, preserving productive capacity into the 70s and beyond.