<ul class="summary-list"><li>Dr. <keyword id="22853757" type="General" weightage="20" keywordseo="Michael-Roizen" source="keywords">Michael Roizen</keyword> is an expert in <keyword id="20186177" type="General" weightage="20" keywordseo="longevity" source="keywords">longevity</keyword> and uses scientific research to shape his lifestyle.</li><li>He shared the <keyword id="19904593" type="General" weightage="20" keywordseo="foods" source="keywords">foods</keyword> he has added to his diet that are linked to a longer lifespan.</li></ul>A doctor who claims to have <a target="_blank" class="" href="https://www.businessinsider.com/doctor-longevity-expert-reverse-biological-age-years-diet-principle-s2024-7">reversed his age by 20 years</a> shared the foods he eats weekly in a bid to boost his longevity.<br /><br />Dr. <a target="_blank" class="" href="https://www.businessinsider.com/busy-doctor-reversed-age-20-years-workout-routine-2024-7">Michael Roizen</a>, the chief wellness officer at Cleveland Clinic who has written books on longevity, is 78 years old but told Business Insider he has a "<a target="_blank" class="" href="https://www.businessinsider.com/what-is-the-maximum-age-of-humans-115-or-older-2023-3">biological age</a>" of 57.6. (It's important to note that there's no consensus on what constitutes biological age and how to measure it).<br /><br />He said that while <a target="_blank" class="" href="https://www.businessinsider.com/longevity-lifestyle-changes-live-longer-healthy-habits-genes-study-2024-5">genes play a part in life expectancy</a>, "the most important thing people have got to understand is that they get to control how long and how well they live."<br /><br />"You control your genes," he said, referring to <a target="_blank" class="" href="https://www.businessinsider.com/health-effects-of-epigenetics-2013-6">epigenetics</a>, or how lifestyle factors can influences if genes turn or or off.<br /><br />"Your choices matter," he added.<br /><br />For example, a 2023 study published in the journal Nature found that those who switched to a healthy, <a target="_blank" href="https://www.businessinsider.com/longevity-diet-food-list-cheap-easy-2023-11">longevity-associated diet</a> in the long term were more likely to live over a decade longer. The researchers said this was likely because the participants ate more whole grains, nuts, and fruit, and <a target="_blank" class="" href="https://www.businessinsider.com/what-you-can-do-to-live-longer-healthier-2023-9">cut down on sugary drinks and processed meats</a>.<br /><br />Roizen said that even the smallest additions to a person's diets can have a positive effect on their health. He shared the seven foods he eats each week.<br /><br /><h2><keyword id="20155915" type="General" weightage="20" keywordseo="olive-oil" source="keywords">Olive oil</keyword></h2>Roizen said he has a tablespoon of olive oil every day. A 2022 study published in the Journal of the American College of Cardiology found that people who consumed more than half a tablespoon of olive oil a day had a 19% lower risk of dying from <a target="_blank" class="" href="https://www.businessinsider.com/guides/health/conditions-symptoms/what-is-heart-disease">cardiovascular disease</a>, a 17% lower risk of dying from cancer, and a 29% lower risk of dying from a neurodegenerative disease. Plus, replacing margarine, butter, mayonnaise, and dairy fats with olive oil appeared to lower the risk of dying by up to 34%.<br /><br />The authors suggested that this could be because of the anti-inflammatory and <a target="_blank" class="" href="https://www.businessinsider.com/guides/health/diet-nutrition/olive-oil-benefits">antioxidant properties of olive oil</a>, or because people who consumed more olive oil also tended to be more active, less likely to smoke, and ate more fruits and vegetables.<br /><br /><h2><keyword id="21217173" type="General" weightage="20" keywordseo="salmon" source="keywords">Salmon</keyword> and trout</h2>  <div type="image" title="Two cooked fillets of salmon on a plate with salad in the background." height="1061" width="1414" msid="112502318" hostid="261"></div>Eating fish once or twice a week was linked to a lower risk of dying from any cause in one 2022 study published in the European Journal of Nutrition. A separate 2018 study by researchers at China's Zhejiang University School of Medicine and the US-based National Cancer Institute had similar results. Participants who ate at least 227 grams of fish a week, per the 2015-2020 Dietary Guidelines for Americans, had a 10% lower risk of dying from cardiovascular disease, cancer, and Alzheimer's disease.<br /><br />The current US dietary guidelines recommend people eat fish like salmon and trout because they are high in vitamin D, <a target="_blank" class="" href="https://www.businessinsider.com/guides/health/diet-nutrition/omega-3-benefits">omega-3 fatty acids</a> — which are important for heart health, providing energy, and building cells — and low in methyl mercury, a toxic heavy metal found in fish.<br /><br /><h2><keyword id="20510404" type="General" weightage="20" keywordseo="dark-chocolate" source="keywords">Dark chocolate</keyword></h2>With dark chocolate, it's not hard to eat "a little bit every day," as Roizen recommended.<br /><br /><a target="_blank" href="https://www.businessinsider.com/guides/health/diet-nutrition/dark-chocolate-benefits">Dark chocolate</a> has been linked to lower blood pressure, lower cholesterol, and a reduced risk of heart disease, BI previously reported.<br /><br />Dr. Florence Comite, an endocrinologist and precision medicine specialist, previously told BI that she counts her daily square of <a target="_blank" href="https://www.businessinsider.com/longevity-supplements-live-longer-precision-medicine-doctor-2024-3">dark chocolate as a supplement</a> because of antioxidants it contains.<br /><br /><h2>Mushrooms</h2>Like Comite with dark chocolate, Roizen sees <a target="_blank" href="http://link">mushrooms as a supplement</a>, which he eats at least five times a week.<br /><br />  <div type="image" title="Mushroom and onion sandwich on a board." height="1131" width="1508" msid="112502324" hostid="261"></div>"One of my favorite lunches is the MLT," he said. "Instead of a BLT (bacon, lettuce, and tomato), you have a mushroom lettuce and tomato, which is absolutely healthy and tastes magnificent."<br /><br />Mushrooms contain ergothioneine, which researchers from Penn State University dubbed a "longevity vitamin" because of its antioxidant and anti-inflammatory effects. A 2020 <a target="_blank" href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC7229907/">study</a> by researchers from Lund University, Sweden, linked ergothioneine to a lower risk for coronary artery disease and cardiometabolic disease for the same reasons.<br /><br /><h2>Avocados</h2>A 2022 study published in the Journal of the American Heart Association found associations between eating two servings of avocado a week and a lower risk of coronary heart disease and cardiovascular disease. <br /><br />  <div type="image" title="Half an avocado with a spoon in it, mid-scoop." height="1264" width="1685" msid="112502319" hostid="261"></div>Cardiovascular disease is the No. 1 cause of death and disability worldwide, according to the Centers for Disease Control and Prevention.<br /><br /><h2>Cauliflower</h2>Roizen makes a "cauliflower creamer" by blending the vegetable with olive oil and using it as a spread.<br /><br />Researchers wrote in a 2021 review of studies published in Frontiers in Pharmacology that cruciferous vegetables, including cauliflower, have been linked to lower cancer risk and the prevention and treatment of other chronic diseases, such as cardiometabolic disorders, Alzheimer's disease, depression, and musculoskeletal disorders.<br /><br /><i>Correction: August 15, 2024</i><i> — An earlier version of this story misstated the year a study was published. The study on avocados in the Journal of the American Heart Association was published in 2022, not 2023.</i><br />

A doctor who says he's reversed his age by 20 years eats these 7 foods every week to boost his longevity

<ul class="summary-list"><li>Dr. Michael Roizen is 78 but claims his biological age is 57.6.</li><li>Roizen, who has written about longevity, takes supplements every day.</li></ul><p>A doctor who is 78 but claims he has a <a target="_blank" href="https://www.businessinsider.com/doctor-longevity-expert-reverse-biological-age-years-diet-principle-s2024-7">biological age of 57.6</a> shared five of the supplements he takes daily.</p><p>As life expectancy has grown — the average American is expected to live until <a target="_blank" href="https://www.cdc.gov/nchs/pressroom/nchs_press_releases/2024/20240321.htm">77.5</a>, up from 70.8 in 1970 — so has interest in <a target="_blank" class="" href="https://www.businessinsider.com/essential-healthy-habits-for-your-twenties-thirties-longevity-advice-2023-12">staying healthy for longer</a>.</p><p>Dr. Michael Roizen, an anesthesiologist and the chief wellness officer at Cleveland Clinic whose books include "The Great Age Reboot," told Business Insider how he <a target="_blank" class="" href="https://www.businessinsider.com/busy-doctor-reversed-age-20-years-workout-routine-2024-7">exercises</a> and <a target="_blank" class="" href="https://www.businessinsider.com/doctor-reverse-age-years-foods-eat-weekly-longevity-2024-8">eats to age healthily</a>.</p><p>Although dietitians advise people to get their <a target="_blank" class="" href="https://www.businessinsider.com/vitamins-dietary-supplements-not-worth-buying-dietitians-2023-7">nutrients from food</a> where possible, he also hopes taking the following five supplements will help boost his longevity.</p><h2 id="99f3ab81-4149-46c5-bd6d-14ffc8d269f1">Multivitamins</h2><p>Roizen takes half a <a target="_blank" href="https://www.businessinsider.com/multivitamins-for-memory-older-adults-benefit-2023-10">multivitamin</a> twice a day. Although his approach hasn't been proven in clinical trials, he believes it will keep vitamin levels in the blood as stable as possible, as most of a water-soluble multivitamin is peed out.</p><p>Roizen said evidence suggests multivitamins could lower the risk of dementia and cancer. Indeed, a 2022 <a target="_blank" href="https://alz-journals.onlinelibrary.wiley.com/doi/full/10.1002/alz.12767">study</a> by researchers at Columbia University and Brigham and Women's Hospital found that taking a multivitamin daily for three years appeared to improve older adults' cognition and memory, although it was unclear why.</p><p>In participants with cardiovascular disease, a risk factor for <a target="_blank" class="" href="https://www.businessinsider.com/detecting-and-preventing-cognitive-decline-with-ai-2023-11">cognitive decline</a>,<strong> </strong>the authors said the micronutrients may have treated deficiencies linked to the condition.</p><p>However, the jury is still out on multivitamins. A 2022 review of studies by the US Preventive Services Task Force found no evidence that they prevent cardiovascular disease or cancer. In June, a study on 390,124 US adults by researchers at the National Cancer Institute found no evidence that they boosted longevity.</p><div type="image" title="A man pouring a multivitamin into his hand." height="1412" width="2122" msid="112967517" hostid="261" sizebytes="57886"></div><h2 id="6198cae1-62ff-40a5-8a3d-761c911d840b">'Baby' aspirin</h2><p>Roizen takes a low dose of <a target="_blank" href="https://www.businessinsider.com/drugs-like-aspirin-linked-higher-heart-attack-risk-hot-weather-2022-8">aspirin</a> (usually 81 milligrams), sometimes known as "baby aspirin," twice a day in the hope it will <a target="_blank" class="" href="https://www.businessinsider.com/guides/health/conditions-symptoms/how-to-prevent-heart-attack">prevent heart attacks</a> and strokes.<strong> </strong>Taking aspirin regularly long-term carries risks because it can thin the blood so that the body can't form clots when bleeding.</p><p>But Roizen believes it is safe for him to take as "someone over the age of 50 with a low risk of bleeding."</p><p>However, the US Preventive Services Task Force <a target="_blank" class="" href="https://www.uspreventiveservicestaskforce.org/uspstf/recommendation/aspirin-to-prevent-cardiovascular-disease-preventive-medication#fullrecommendationstart">does not recommend</a> adults over 60 take preventive aspirin.</p><h2 id="42c3882b-4221-4d9e-92e6-769f703f605c">CoQ10</h2><p><a target="_blank" href="https://www.businessinsider.com/guides/health/coq10-benefits">CoQ10</a> is a substance found in cells that helps convert food into energy. As an antioxidant, it has been linked to a reduction in the effects of aging on the skin and on a cellular level in humans and rodents. It's also thought to prevent problems associated with free radicals, which are DNA-damaging particles that move around the body.</p><p>Roizen said he takes the supplement alongside statins to <a target="_blank" class="" href="https://www.businessinsider.com/guides/health/treatments/high-cholesterol">reduce his cholesterol levels</a>, because statins decrease CoQ10 levels in the body.</p><p>However, a small 2022 study involving 37 participants published in Antioxidants found that the supplement didn't the amount of CoQ10 in their muscles, where pain can occur in people who take statins.</p><p>And, according to the National Center for Complementary and Integrative Health, there isn't strong evidence that CoQ10 improves <a target="_blank" class="" href="https://www.businessinsider.com/guides/health/conditions-symptoms/high-blood-pressure">blood pressure</a> and heart failure despite some claims.</p><h2 id="f341eece-a3d3-4325-bbeb-0de5dbc4176c">ASU</h2><p>ASU stands for avocado-soybean unsaponifiables, which are vegetable extracts leftover from soap-making.</p><p>Roizen takes it to decrease the pain of osteoarthritis. There some evidence to suggest that ASU could treat osteoarthritis because of its anti-inflammatory properties. However,<strong> </strong>researchers say more long-term studies in humans are needed.</p><h2 id="ce728601-ade0-432a-85bc-b6e6c37404b0">Ergothioneine</h2><p><a target="_blank" href="https://www.businessinsider.com/list-foods-to-increase-life-span-like-a-tech-billionaire-2023-4">Ergothioneine</a> is present in most foods, but mushrooms are particularly rich in it. Roizen doesn't take an ergothioneine supplement but regards the substance as a supplement to his diet.</p><p>Instead of taking a pill, he gets it from mushrooms. Five days a week, he has an "MLT" — a mushroom, lettuce, and tomato sandwich — for lunch.</p><p>Eating plenty of ergothioneine as part of a healthy diet was linked to a lower risk of coronary artery disease in a 2020 study by researchers from Lund University, Sweden.</p><p>Meanwhile, studies on cells suggest that ergothioneine can help prevent DNA damage from UV exposure, according to a 2022 review of studies published in the journal Antioxidants &amp; Redox Signaling.</p>

5 supplements a doctor who says he's reversed his age by 20 years takes every day

<ul class="summary-list"><li>Everyone knows exercise is good for you, but many of us don't do enough. </li><li>Longevity expert Dr. Michael Roizen shared how he fits exercise into his busy schedule.</li></ul><p>A busy doctor and longevity expert who says he's reversed his age by 20 years shared with Business Insider how he finds time to stay fit.</p><p>Dr. Michael Roizen, 78, chief wellness officer at Cleveland Clinic and author of books on longevity, claims his "<a target="_blank" class="" href="https://www.businessinsider.com/what-is-the-maximum-age-of-humans-115-or-older-2023-3">biological age</a>" (a concept experts are divided on) is 57.6.</p><p><a target="_blank" class="" href="https://www.businessinsider.com/anti-aging-exercise-longevity-doctor-peter-attia-2023-10">Regular exercise</a> is a key part of his health routine. Although he doesn't work out enough to achieve maximum strength or fitness, he said, he walks whenever he can and squeezes in a few dedicated exercises sessions each week.</p><p>Research suggests that even small amounts or <a target="_blank" class="" href="https://www.businessinsider.com/short-walk-a-day-could-reduce-risk-early-death-study-2023-2">lower intensity workouts can help keep us healthy</a>.</p><p>That may be welcome news to the vast majority of Americans who, according to the National Center for Health Statistics, don't do the minimum 150 minutes of <a target="_blank" href="https://www.businessinsider.com/what-is-zone-2-cardio-exercise-training-benefits-2023-10">moderate-intensity exercise</a> each week recommended by the government. Evidence suggests a lack of time is one of the biggest factors that stand in people's way.</p><p>Here's Roizen's weekly exercise regime.</p><h2 id="2565dc57-ef22-4865-9a8f-c3e17327269d">Cardio three times a week</h2><p>Three times a week, without fail, Roizen does 48 minutes of cardio, or aerobic, exercise on a treadmill or exercise bike. He chose that number because that's how long he used to play squash for, and he wants to be fit enough to play again.</p><p>He does this on Wednesday evenings, Saturdays, and Sundays. If he knows he'll have to miss a session due to a social event, he makes up for it another day.</p><p><a target="_blank" class="" href="https://www.businessinsider.com/exercise-cardio-brain-body-health-benefits-2017-12">Cardio exercise has a huge range of health benefits</a>, including reducing the risks of heart disease, high blood pressure, and type 2 diabetes, strengthening the heart, and improving mood, according to the Mayo Clinic.</p><h2 id="6aae3990-2439-48db-a90b-5301fcbb2efc">10,000 steps a day</h2><p>Roizen walks as much as possible, aiming for <a target="_blank" href="https://www.businessinsider.com/walking-10000-steps-every-day-trial-review">10,000 steps a day</a>. To keep moving throughout the day, he uses a treadmill desk when working in his office, and walks patients in and out of his clinic</p><p>He also parks his car a mile away from work, helping him to rack up 2,000 steps in his commute. If he hasn't met his target by the end of the day, he'll get on a treadmill or exercise bike.</p><p>The popularly quoted goal of <a target="_blank" href="https://www.businessinsider.com/walking-10000-steps-for-health-not-science-based-in-marketing-2021-7">10,000 steps a day</a> has its origins in marketing for a Japanese pedometer company, but walking has many health benefits.<strong> </strong>According to a 2022 <a target="_blank" href="https://www.ncbi.nlm.nih.gov/pmc/articles/PMC10643563/">study</a> published in the journal GeroScience, 30 minutes of brisk walking five days a week appeared to lower the risk of cardiovascular disease and type 2 diabetes, improve mental well-being, and increase longevity.</p><p>Even if you can't reach 10,000 steps a day, <a target="_blank" href="https://www.businessinsider.com/how-five-hundred-extra-steps-per-day-live-longer-2023-9">walking an extra 500 steps</a> a day could improve your longevity, according to a recent study.</p><h2 id="89c924ce-a6d7-4717-b006-0f143243fd33">Weight lifting twice a week</h2><p>After two of his three weekly cardio workouts, Roizen lifts weights.</p><p>He said that <a target="_blank" href="https://www.businessinsider.com/strength-training-better-cardio-burning-fat-2023-10">resistance training </a>is great for building muscle and improving longevity.</p><p>One 2022 study published in the British Journal of Sports Medicine linked doing between 30 and 60 minutes of resistance training each week with a 17% lower risk of dying from any cause, an 18% reduction in the risk of cardiovascular events, and a 9% lower risk of developing cancer. Similarly, a 2019 meta-analysis published in the European Journal of Preventive Cardiology suggested one or two weekly resistance training sessions could lower a person's risk of dying from any cause.</p>

A busy doctor says he's reversed his age from 78 to 57. Here's his simple, 3-step workout routine.  

<ul class="summary-list"><li>Dr. Michael Roizen is 78, but says his "biological age" is 57.6.</li><li>He's the chief wellness officer at Cleveland Clinic, and takes his own advice on staying healthy.</li></ul><p>An expert in healthy aging who claims to have <a target="_blank" href="https://www.businessinsider.com/longevity-experts-keep-biological-age-young-anti-aging-2023-5">reversed his biological age</a> by 20 years shared his diet principles with Business Insider.</p><p>Dr. Michael Roizen, an anesthesiologist and the chief wellness officer at Cleveland Clinic, is 78 years old. But he told BI his "biological age" is around 57.6, meaning that based on his risk of dying and or developing age-related chronic illness, his body appears to be decades younger. (It's important to note there is no consensus on the <a target="_blank" href="https://www.businessinsider.com/what-is-the-maximum-age-of-humans-115-or-older-2023-3">definition of biological age</a> or how to measure it.)</p><p>Roizen used the same principles that he says have kept him young to develop a wellness institute at the Cleveland Clinic, giving employees financial incentives to implement <a target="_blank" href="https://www.businessinsider.com/longevity-lifestyle-changes-live-longer-healthy-habits-genes-study-2024-5">healthy lifestyle changes</a>. The program has saved Cleveland Clinic up to $200 million a year on the healthcare costs of 101,000 employee patients since 2008, according to Roizen,<strong> </strong>and informed their research initiatives on healthy aging.</p><p>Here are the diet principles Roizen follows.</p><h2 id="7b3d63a7-8edb-48db-b55a-e900eacf7ca4">Eat a Mediterranean diet</h2><p>The <a target="_blank" href="https://www.businessinsider.com/mediterrean-diet-healthiest-best-overall-2024-1">Mediterranean diet</a> primarily consists of whole foods such as fruits and vegetables, legumes, low-fat protein and dairy, and limits red meat, processed foods, and alcohol. It has been named the healthiest diet for seven years in a row by the US News &amp; World Report, and research has linked it to better heart health, <a target="_blank" href="https://www.businessinsider.com/ways-mediterranean-diet-can-help-lose-weight-without-trying-2024-1">weight loss</a>, and <a target="_blank" href="https://www.businessinsider.com/mediterranean-mind-diet-linked-to-lower-alzheimers-risk-brain-study-2023-3">preventing cognitive decline</a>.</p><p>Trout and salmon are his major sources of animal protein, which contain vitamin D and omega-3 fatty acids.</p><h2 id="13f3d671-0062-4c81-9c96-94d6d81dd4f8">Eat a big meal at lunch</h2><p>Roizen has his biggest meal at lunch and eats "very little" at dinner — usually just a salad. He can't sleep well after a heavy meal and then feels "much worse the next day."</p><p>A 2024 study by researchers at the University of Alagoas, Brazil, found that eating most of your calories at lunch could help to prevent and treat obesity, regardless of the quality of a participant's diet. Eating this way may align better with the body's natural rhythms, the team suggested.</p><h2 id="8549f8cc-075e-4819-b869-4ff21ae01a7f">Restricts calories five days a month</h2><p>Roizen also follows <a target="_blank" href="https://www.businessinsider.com/longevity-diet-creator-valter-longo-eats-fasting-live-longer-2023-11">the Longevity Diet</a> developed by Valter Longo, a professor of gerontology and director of the University of Southern California Longevity Institute. He's been doing this for seven years. The diet involves restricting calories five days a month to mimic the effects of fasting.</p><p>Calories are dropped to 1,100 on the first day of the "fast," then to about 700 on days two to five. A 2024 study by Longo's team at USC found that participants on the fasting-mimicking diet had <a target="_blank" href="https://www.businessinsider.com/reverse-biological-age-years-fasting-study-2024-2">lower biological ages</a> by an average of two and a half years after three months on the diet.</p><p>David Clancy, who studies the biology of aging at Lancaster University, UK, who wasn't involved in the study told BI at the time: "It's not unreasonable to think that, during ages 40 to 60 at least, this regime twice per year may add three to four years of healthy life, maybe more, in those with higher BMI, blood pressure, blood sugar, etc."</p><p>But he added the diet was "harsh" and working people may struggle to follow it. "Scheduling days four and five for weekend days would be sensible," he said.</p><h2 id="8a683cbc-2aa4-4bc4-b7cb-382fd0fc2d39"><strong>Eat in an eight-hour window</strong></h2><p>Roizen intermittent fasts by eating between 11 a.m. and 7 p.m. each day.</p><p>He said that while the data on the impact of intermittent fasting<strong> </strong>on longevity is much less solid than the data on calorie-restricted fasting, but he said he likes how he feels.</p><p>"By the end of that 16-hour period, I'm feeling great and very energetic. I sleep much better and I seem to have much more energy as well," he said.</p><p>BI previously reported that research on the potential benefits of <a target="_blank" href="https://www.businessinsider.com/intermittent-fasting-benefits-and-risks-for-longevity-weight-loss-cancer-2024-4">intermittent fasting</a> aren't conclusive. One controversial study released earlier this year suggested that it may actually <a target="_blank" href="https://www.businessinsider.com/intermittent-fasting-linked-higher-risk-of-early-death-controversial-study-2024-3">shorten person's lifespan</a>, and others have suggested that it doesn't have <a target="_blank" href="https://www.businessinsider.com/doctor-no-longer-supports-fasting-diet-study-found-few-benefits-2020-10">benefit our health</a>.</p>

A 78-year-old doctor says he's reversed his age by 20 years. Here are the 4 diet principles he follows to stay young. 

<img src="https://static-ssl.businessinsider.com/image/591f27a034911b075c8b4903-1300/jean-chatzky.jpg" alt="jean chatzky" /><p class="source"><span>Matthew Peyton/Getty Images For American Express</span></p><p class="caption">Just keep at it, says Jean Chatsky, pictured.</p>Getting your money in order doesn't have to be a pain.<p>"There are really only five things you have to do in order to have a successful life," financial editor of NBC's "Today Show" Jean Chatzky told Business Insider in <a href="https://www.facebook.com/businessinsider/videos/10154657930324071/">a Facebook Live interview</a>, "but you have to do them over and over again."</p><p>Chatzky, who is also a senior editor at <a href="https://www.thebalance.com/">The Balance</a> and the author of several books including, most recently "<a href="https://www.amazon.com/AgeProof-Living-Without-Running-Breaking/dp/1455567302">Age Proof</a>," with Michael F. Roizen, outlined those five steps for Business Insider:</p><h2>1. 'You have to make a decent living' </h2><p>"You have to have money coming in from somewhere," said Chatzky. "'Decent' doesn't mean excessive, by the way. There's a lot of research that shows once you are able to live comfortably, more than that won't make you more happy."</p><p>For many people, earning a decent living is easier said than done, but not everyone needs to have <a href="http://www.businessinsider.com/how-i-created-7-separate-streams-of-income-2017-5">seven separate income streams</a>. To manage your money, to stay out of debt, and to build wealth, you need to have something coming in, but it doesn't have to be extravagant.</p><p>Even among higher earners, research like the oft-cited <a href="http://content.time.com/time/magazine/article/0,9171,2019628,00.html">study out of Princeton in 2010</a> found after about $75,000 a year for a household (later adjusted to about <a href="https://www.psychologytoday.com/blog/the-neuroscience-mindfulness/201605/can-money-buy-happiness-yes-only-83000-worth-it">$83,000 for inflation</a>) people's happiness leveled off.</p><h2>2. You have to live within your means</h2><p>"You have to spend less than you make on a consistent basis," said Chatzky. "A lot of people have trouble there."</p><p>One of the best ways to make sure you're doing this is to start tracking your spending - simply watching where your money goes for a few months, before making any changes to how much or where you spend. You can do it automatically through an app like <a href="https://www.mint.com/">Mint</a> or <a href="https://www.youneedabudget.com/">You Need a Budget</a>, or you can get more granular with a <a href="http://www.businessinsider.com/spreadsheet-to-track-spending-2017-1">spreadsheet</a>.</p><h2>3. You have to save</h2><p>"You have to take what you're not spending and put it away, first in savings and then in investments so it can work just as hard for you as you are working for yourself," Chatzky said.</p><p>Savings take many forms. For instance:</p><ul><li><strong>An emergency fund</strong> - about <a href="http://www.businessinsider.com/how-to-build-an-emergency-fund-2016-1">six months' worth of living expenses</a> stored somewhere liquid (like a <a href="http://www.businessinsider.com/why-you-should-use-an-online-savings-account-2015-8">high-yield online savings</a> account or <a href="http://www.businessinsider.com/where-to-store-your-emergency-savings-2016-12">money market account</a>)</li><li><strong>Retirement savings</strong> - an employer-sponsored <a href="http://www.businessinsider.com/how-to-lower-your-401k-fees-2017-4">401(k)</a> and/or a personal <a href="http://www.businessinsider.com/traditional-vs-roth-ira-2016-1">Roth or Traditional IRA</a>, all of which are tax-advantaged investment accounts created specifically to save money for retirement</li><li><strong>College savings</strong> - You can establish a <a href="http://www.businessinsider.com/how-to-use-a-529-college-savings-plan-2014-4">state-sponsored 529 plan</a>, which is also tax-advantaged and invested, as soon as your child is born.</li><li><strong>General investments</strong> - Despite hot stocks and companies making headlines, investing legends like Warren Buffett and Jack Bogle generally recommend a much simpler approach: <a href="http://www.businessinsider.com/investing-in-low-cost-index-funds-2015-7">putting money in low-fee index funds</a>, and leaving it alone for decades at a time.</li></ul><h2>4. You have to think ahead</h2><p>"You have to protect this whole financial world that you're building with both an estate plan like a basic will and other documents as well as the proper insurance coverage so that no disaster can take it all away from you," Chatzky said.</p><p>If you're curious, here's the <a href="http://www.businessinsider.com/insurance-for-every-age-2014-6">insurance you should have at every age</a>.</p><h2>5. You have to give back</h2><p>"You have to give back in some way that is meaningful to you, because that gives the human psyche a really great boost," Chatzky said.</p><p>Remember that this doesn't have to be financially - your time is valuable, too.</p><h3>Watch the full Facebook live interview:</h3><iframe src="https://www.facebook.com/plugins/video.php?href=https%3A%2F%2Fwww.facebook.com%2Fbusinessinsider%2Fvideos%2F10154657930324071%2F&amp;show_text=0&amp;width=560" width="560" height="315" style="border:none;overflow:hidden" scrolling="no" frameborder="0"></iframe>            <h3>NOW WATCH: <a href="http://www.businessinsider.com/jean-chatzky-age-proof-student-debt-loan-401k-retirement-savings-2017-5">A finance expert shares advice on whether you should save for retirement or pay off your student loans</a></h3>                                    Please enable Javascript to watch this video                    

Being successful with money only takes 5 steps - but you have to keep doing them

<img src="https://static-ssl.businessinsider.com/image/592302f5639147b7208b53d9-1081/patch%20adams%20thoughtful.png" alt="patch adams thoughtful" /><p class="source"><span>Universal Pictures/Patch Adams</span></p><p class="caption">We can do better.</p>Healthcare is complicated.<p><a href="http://www.businessinsider.com/gop-health-care-bill-re-vote-obamacare-cbo-score-2017-5">On the federal level</a>, absolutely. But on a personal level, it can feel just as bad.</p><p>"I think the thing people don't understand about healthcare is that it goes hand-in-hand with money these days," Jean Chatzky, financial editor of NBC's "Today Show" and senior editor at <a href="https://www.thebalance.com/">The Balance</a>, told Business Insider in <a href="https://www.facebook.com/businessinsider/videos/10154657930324071/">a Facebook Live interview.</a></p><p>Chatzky's most recent book is called "<a href="https://www.amazon.com/AgeProof-Living-Without-Running-Breaking/dp/1455567302">Age-Proof</a>," and she wrote it with Dr. Michael F. Roizen to spread the message that "if you don't have both your health and your finances working for you, then you're not going to be able to have a sustainable quality of life as you get older," she said. "We're all living so much longer than we used to that this becomes really, really important. But there's things that you should be taking care of from the get-go."</p><p>She told Business Insider that statistically, only a small fraction of <a href="https://www.ahip.org/wp-content/uploads/2017/02/2016_HSASurvey_Draft_2.14.17.pdf">20 million people</a> with <a href="http://www.businessinsider.com/fsa-vs-hsa-2016-12">health savings accounts</a> (HSAs) have opted to invest that money, meaning their savings aren't growing like they could be.</p><p>The HSA is one of the most powerful investment accounts that exists, thanks to its <a href="http://www.businessinsider.com/a-guide-to-health-savings-accounts-2016-3">unique tax advantages</a>. You don't pay taxes on the money you put in, and you can also invest the funds like you would in a 401(k) or IRA. HSAs are only available to people with high-deductible health plans - a deductible of at least $1,300 as an individual or $2,600 for a family plan.</p><p>"Not investing the money in your health savings account is a big mistake," she said. "If you invest it, if you put it into a portfolio of mutual funds, index funds, ETFs, it can grow for you just like your retirement accounts are growing. And then if you don't need to draw on the money in particular year, you can just continue to rack it up. It's portable, you can take it from job to job - <a href="http://www.businessinsider.com/hsa-save-for-retirement-2015-10">it becomes a real supplemental retirement account</a>."</p><p>Chatzky also points to research that finds people spend very little time choosing the best health care plan for them. "M<span>ake that choice consciously. Spend some time on it," she said. If you work for an employer that offers you a choice in your health care, the time to do this is typically during the open enrollment period in the fall.</span></p><p>"Also, if you've got a health savings account - and this is true no matter if you work for a company that provides your health care, if you're buying it for yourself - we know that health savings accounts are going to be much more important in the future than they are today, as we head into an era of consumer-driven healthcare," she said.</p><p>"You want to make sure you're managing that account properly. That means putting money into it, it means investing the money that's in your account, it means paying for things through the account." Just paying through the account, she said, saves you 25% of the cost of any health-related expenditure - "maybe more depending on your tax bracket."</p><h3>Watch the full Facebook live interview:</h3><h3>More from Libby Kane:</h3><ul><li><a href="http://www.businessinsider.com/common-healthcare-mistakes-2017-5" rel="nofollow">The biggest mistakes people make with their healthcare are surprisingly basic</a></li><li><a href="http://www.businessinsider.com/common-money-mistake-entrepreneurs-make-2017-5" rel="nofollow">A woman who left her $500,000-a-year job to work for herself says too many entrepreneurs start off thinking about money all wrong</a></li><li><a href="http://www.businessinsider.com/greeting-cards-trader-joes-2017-5" rel="nofollow">I'm convinced everyone overlooks the best deal at Trader Joe's - and it isn't food</a></li><li><a href="http://www.businessinsider.com/billionaire-sam-zell-flies-around-the-world-to-meet-people-2017-5" rel="nofollow">A billionaire says an overheated radiator at age 19 changed the way he does business to this day</a></li><li><a href="http://www.businessinsider.com/how-to-find-more-time-2017-5" rel="nofollow">A career coach shares her 3 favorite tricks to find more time in the day</a></li></ul><iframe src="https://www.facebook.com/plugins/video.php?href=https%3A%2F%2Fwww.facebook.com%2Fbusinessinsider%2Fvideos%2F10154657930324071%2F&amp;show_text=0&amp;width=560" width="560" height="315" style="border:none;overflow:hidden" scrolling="no" frameborder="0"></iframe>            <h3>NOW WATCH: <a href="http://www.businessinsider.com/jean-chatzky-age-proof-student-debt-loan-401k-retirement-savings-2017-5">A finance expert shares advice on whether you should save for retirement or pay off your student loans</a></h3>                                    Please enable Javascript to watch this video                    

You Searched For "Michael Roizen" and got 7 results

A doctor who says he's reversed his age by 20 years eats these 7 foods every week to boost his longevity

Serafina Kenny

5 supplements a doctor who says he's reversed his age by 20 years takes every day

Serafina Kenny

A busy doctor says he's reversed his age from 78 to 57. Here's his simple, 3-step workout routine.

Serafina Kenny

A 78-year-old doctor says he's reversed his age by 20 years. Here are the 4 diet principles he follows to stay young.

Serafina Kenny

Being successful with money only takes 5 steps - but you have to keep doing them

Libby Kane

The biggest mistakes people make with their healthcare are surprisingly basic

Libby Kane

MAULDIN: There's A Huge Problem With Our Deficit Forecasts -- They Assume A Perfect World

John Mauldin