I’m not a financial advisor. But after 35 years in internal medicine and lipidology, I’ve realized that physicians are essentially wellth managers, stewards of human energy, rhythm, and resilience.

We help people diversify their time, protect their emotional capital, and build habits that generate compound interest in the form of years, vitality, and peace. In a way, our patients are portfolios: living, breathing balance sheets of choices and consequences.

It’s not money we’re managing; it’s metabolism, mindset, and meaning.

The parallels between wealth and wellth

Wealth managers teach clients about diversification, discipline, and delayed gratification. The same principles underpin lasting health.

In both arenas, impulsivity destroys value. Emotional reactivity (whether panic-selling a stock or panic-eating at midnight) can undo months or years of progress. Conversely, calm consistency compounds in quiet ways most people underestimate.

The healthiest patients, like the wealthiest investors, share the same mindset: They focus on rhythm, not results. They trust the process more than the week-to-week metrics.

They don’t chase the market; they manage their behavior.

The myth of arrival

Our culture sells us a finish line, whether it’s financial independence or a “goal weight.” But that illusion keeps people stuck.

True security, whether financial or physical, doesn’t appear as a single moment of arrival. It’s built quietly through daily decisions that seem trivial: cooking at home, walking after dinner, sleeping on time, or simply pausing before reacting.

The feeling of peace we all seek (financial freedom, physical health, emotional calm) doesn’t come from what we achieve. It comes from what we practice.

The investors who stay wealthy and the patients who stay healthy both master one thing: steady attention to fundamentals.

The six rules of wellth management

I tell my patients that managing their health is no different from managing money; it’s a portfolio of daily habits that either grow or erode over time.

• Track, don’t judge: Awareness is the first dividend. Look at your choices without shame, whether it’s food, finances, or time. You can’t improve what you don’t measure.
• Pause for five seconds: When you feel the urge to eat, buy, or react, pause. That brief moment is like not selling in a down market. It’s how you protect your emotional capital. Impulses fade; intention endures.
• Automate what you can: Systems outperform willpower. Automate your savings, your workouts, your meal prep, and your sleep routines. Structure is the scaffolding of freedom.
• Review once a week: Wealth managers review portfolios; physicians should teach patients to review their wellth portfolios: mood, movement, meals, and money. You’ll spot drift before crisis.
• Invest in energy: Rest and movement aren’t luxuries; they’re the compounding interest of vitality. You can’t think clearly or lead well if you’re metabolically bankrupt.
• Redefine returns: Stop asking, “Am I healthy yet?” Instead ask, “Did I make one decision today that supports my future self?” That’s your true ROI: return on intention.

Why the “wealthy” aren’t always wellthy

Many of my patients have more than enough money, but not nearly enough margin: margin for rest, curiosity, or joy. They’ve mastered accumulation but not appreciation. Their financial net worth rises while their emotional net worth falls.

They’re wealthy, but not wellthy.

When you learn to manage both money and metabolism with calm awareness, something shifts. You stop chasing and start cultivating. The goal is no longer to have more; it’s to need less.

And that’s when the dividends change:

• Less anxiety when the unexpected happens
• More confidence in your daily choices
• A steadier relationship with time, uncertainty, and aging

That is the true compounding return: freedom from fear.

The compounding power of calm

Neither Wall Street nor medicine rewards panic. The best investors and physicians share a quiet temperament, able to tolerate uncertainty, resist hype, and stay the course.

Every time you choose patience over panic, clarity over chaos, you’re protecting your portfolio of well-being. And just like interest, emotional steadiness compounds over decades.

That’s what makes calm the most underrated health metric and the most powerful financial strategy.

The true definition of wealth

To be truly wealthy isn’t about assets under management. It’s about awareness under management.

It’s knowing that your time, your attention, and your energy are your real capital and treating them with the same respect as your savings.

When we as physicians start teaching that, we stop being reactive problem-solvers and become proactive wellth advisors.

We move from prescribing to coaching. From repairing to rebalancing. From “what’s wrong” to “what’s possible.”

That shift doesn’t just change patients; it changes us.

Final thought

Wellth isn’t a mountain to climb; it’s a portfolio to tend. The practice is the progress. And when you manage your portfolio of energy, time, and focus with the same care a financial advisor gives a client’s capital, you discover something liberating: You were wealthy all along. You just had to start managing it.

Larry Kaskel is an internist and “lipidologist in recovery” who has been practicing medicine for more than thirty-five years. He operates a concierge practice in the Chicago area and serves on the teaching faculty at the Northwestern University Feinberg School of Medicine. In addition, he is affiliated with Northwestern Lake Forest Hospital.

Before podcasts entered mainstream culture, Dr. Kaskel hosted Lipid Luminations on ReachMD, where he produced a library of more than four hundred programs featuring leading voices in cardiology, lipidology, and preventive medicine.

He is the author of Dr. Kaskel’s Living in Wellness, Volume One: Let Food Be Thy Medicine, works that combine evidence-based medical practice with accessible strategies for improving healthspan. His current projects focus on reevaluating the cholesterol hypothesis and investigating the infectious origins of atherosclerosis. More information is available at larrykaskel.com.