The Health Side of Wealth: Small Habits, Long-Term Impact

April 2, 2026
The Health Side of Wealth: Small Habits, Long-Term Impact
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In This Conversation

Clay Pender joins Brandon Hatton to define health, discuss WHO physical activity guidelines, simple movement habits, and the long-term costs of inactivity.

Key Takeaways

  • Health includes physical, mental, and social well-being, not only the absence of illness. See the WHO definition of health.
  • WHO recommends adults get 150–300 minutes of moderate activity each week, or 75–150 minutes of vigorous activity, plus muscle-strengthening activity on two or more days. See the WHO activity guidelines.
  • In 2022, 31% of adults worldwide did not meet recommended activity levels, according to WHO data.
  • WHO estimated that physical inactivity could contribute to nearly US$300 billion in health-care costs between 2020 and 2030 if current patterns continue.
  • Start with what feels manageable: take a walk, fit in 15 minutes, or attach a short walk to an existing routine, such as a meal.

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Episode Overview

How do health and wealth connect? Brandon Hatton speaks with Conscious Wealth manager Clay Pender, who recently helped his teammates set a world record in the men’s indoor 4×800 relay, about a broader view of health. Drawing on the World Health Organization’s definition of health, they discuss how physical, mental, and social well-being are connected.

Clay shares the WHO’s adult activity guidance and global data on inactivity, including its projected health-care costs. They also offer practical ways to get moving, from walking to strength training, and discuss how a simple cue—like walking after a meal—can help make activity a habit. Clay’s advice is to start where you are; even 15 minutes is better than doing nothing. Brandon also mentions Eric Levitan’s Team Vivo, a program for older adults.

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TRANSCRIPT

Defining Health

     Welcome to the Conscious Wealth Studios.  

     Today we have wealth manager Clay  

     Pender. Clay, welcome to the studios and  

     congratulations on your world record.  

     Thank you. Yeah, excited to be here.  

     First uh been with the company a little  

     bit. First time recording. So,  

     first time you're recording and you just  

     glossed right over your world record.  

     Okay. Not only you're a wealth manager  

     for conscious wealth, but you set a  

     record and it wasn't in hot dog eating.  

     That's correct. just set a record with  

     three of my teammates. Uh we broke the  

     world record in the 4 x 800 for indoors.  

     That's amazing.  

     Each person um half mile we ran 710.  

     Amazing.  

     What was the record?  

     Uh 711 before so we broke it by just a  

     second.  

     Second's enough.  

     Yeah.  

     That's awesome.  

     Yeah.  

     Cool. Congratulations.  

     Um everyone comes in here from the team  

     and they're offering their unique  

     perspective. one of your new  

     perspectives is a big part of conscious  

     wealth which is health and so how do you  

     define health?  

     Yeah. Uh I mean obviously health is a  

     big part of my life. Uh run every day,  

     cross train, lift weights.  

     So what they used to say is health is  

     just the absence of illness. Um, so  

     that's just kind of taking into account  

     the physical part, but actually the  

     World Health Organization defines it as  

     uh physical health, mental health, and  

     social well-being. And so those three  

     all tie into um health as a whole.  

     Yeah. And they're so interconnected too,  

     right? Like  

     Yeah.  

     How like your physical health has to do  

     with your emotional health, which has to  

     do with like your sense of  

     connectedness.  

     How are we as Americans doing in  

     physical health?  

     Uh not so much. And I I think that  

     that's pretty apparent of everything  

     that we're uh that we're seeing every  

     day is uh see that we're only getting  

     more sedentary. Uh we're getting less  

     healthy. Um obviously fast food um a lot  

     more technology keeps people inside, not  

     getting um outside. And  

     I know you love some Chick-fil-A.  

     I do. I do love Chick-fil-A. also run 10  

     miles of  

     

The Minimum Standard for Activity

     try to stay away from it. Uh try to stay  

     away from a lot of the processed stuff,  

     but Chick-fil-A's got a little bit of a  

     hold on me.  

     Yeah. All right. So, what are the I know  

     you brought some statistics. What are  

     some of the statistics you were looking  

     at? And then let's quickly jump into  

     then um some ways to combat it, but  

     maybe what are your what are two  

     statistics that stand out for you as you  

     were researching those?  

     Yeah. So, one of the statistics that  

     stood out to me was that 31% of adults  

     actually don't hit the minimum uh  

     physical activity uh recommendations  

     that World Health Organization has put  

     out there. Um the what they suggest is a  

     minimum of 150 minutes per week. So,  

     it's like 20 minutes a day.  

     Whoa. People aren't doing 20 minutes a  

     day.  

     Not 20 minutes a day. So,  

     one in three people are not doing 20  

     minutes a day. Wow. In the United  

     States.  

     In the world. in the world. Okay. Oh,  

     wow. Okay.  

     So, the next statistic that I wanted to  

     bring up kind of piggybacks off of that  

     and it was talking that we're gonna  

     spend over the decade between 2020 and  

     2030, we're going to spend $300 billion  

     on health care just due to physical  

     inactivity.  

     And that's the real connection to  

     financial planning and wealth management  

     is you can spend money on this on the  

     back end or you can get ahead of it and  

     you can be physically active. Exactly.  

     Yeah. Yeah. Yeah. And so like a healthy  

     lifestyle is way better than a long-term  

     care policy that we could and maybe  

     probably  

     Yeah. Yeah. Yeah. Yeah. Yeah. So, uh, as  

     a professional athlete, as you are,  

     what, uh, recommendations do you have  

     for people?  

     Yeah. I mean, I don't like to talk about  

     a problem without having a solution. So,  

     um, some solutions, I mean, get out, go  

     for a walk. Like, like I said, 20  

     minutes a day is uh not not a ton. We  

     all have an extra 20 minutes that we  

     could spend on our well-being and  

     longevity. So, uh if you're already  

     

The Cost of Inactivity

     doing something like that, maybe take a  

     next step, maybe run, maybe uh you want  

     to go to the gym, lift weights. So, uh  

     within the 150 minutes minimum, they  

     also say that um adults should be  

     getting at least two days a week of some  

     sort of muscular exercises.  

     Yes, we're seeing that really big. Eric  

     Levitan, a friend of our conscious  

     wealth, is also has that program uh  

     where he's helping uh older adults build  

     muscle mass, which is so important. I  

     love the idea of taking a walk right  

     after a meal. Not only is it good for  

     your metabolism, when you attach it to a  

     meal, you create a habit like now I eat,  

     now I walk.  

     Yeah, those are both great ideas. Thank  

     you.  

     Yeah. Yeah. So, yeah, I mean, I would  

     say you everybody can start somewhere.  

     Um, if you're going from a sedentary  

     lifestyle, start with walking. Uh, 20,  

     30 minutes. It be great. And I mean, any  

     movement is better than no movement. So,  

     maybe maybe only have 15 minutes. Um,  

     yeah,  

     do do the 15 instead of just like I  

     don't have time. Let's do  

     it. Yeah, that's a great any movement is  

     better than no movement. Yeah.  

     Awesome. Thanks, Clay. Thanks for coming  

     on. Coming to the studios. Yeah.  

     All right. Thanks, everyone. See you  

     next time.

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