How Healthier Eating Habits Can Help You Save And Earn More Money

Having healthier eating habits is an area that I am constantly working on. There are so many ways that it can help you, plus you may be able to save and earn more money by engaging in healthier eating habits. Please enjoy this post from Jason! I remember the summer of 2010 all too well. I…

Michelle Schroeder-Gardner

Last Updated: December 28, 2023

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There are so many ways having healthier eating habits can help you, plus you may be able to save and earn more money by engaging in healthier eating habits. Having healthier eating habits is an area that I am constantly working on. There are so many ways that it can help you, plus you may be able to save and earn more money by engaging in healthier eating habits. Please enjoy this post from Jason!

I remember the summer of 2010 all too well. I was in college battling my way through engineering school, working part-time, and racking up debt via student loans and excess medical bills.

Those were tough times for me. Being a young adult I was still adjusting to life on my own and learning first-hand about the stress and anxiety that comes with it. As a result, I spent most of that summer and the following year in and out of doctors’ offices and hospitals.

I couldn’t seem to stay healthy for more than a couple of weeks. Not only that, but I had some nagging digestive issues pop up that I had never experienced before. For simplicity’s sake, let’s just say that it was borderline Crohn’s disease, and it was impacting my day-to-day quality of life.

Growing up as a healthy, active child I never in a million years thought that would be my life. Boy, was I wrong.

After seeing my twelfth doctor in about as many months, I started losing faith in modern medicine. That’s when I began to search elsewhere for some answers and more importantly, at my own lifestyle and habits.

I read a lot of books, blogs, and articles regarding all-natural alternatives to medicine. Some of the information helpful, others not so much. There was, however, one recurring theme that kept coming up – eat a healthier diet and you just might start seeing improvement. Some people gave this a shot immediately. Others waited until they ran out of options medically. Whatever the case, simply eating a healthier diet often yielded a drastic improvement in health and symptoms.

I figured that would be a good fantastic place to start considering the bulk of my diet was processed foods, alcohol, and the occasional salad.

Over the course of the next few months, I started making healthier food choices. Less fast food, less drinking, and more whole foods. I experimented a lot. If I ate certain foods and felt like crap after, I put them on a “do not eat” list. It didn’t take a few hours or days, but a couple weeks later, I began feeling shockingly better. My anxiety decline dramatically, my digestive issues became less bothersome, and I felt happier.


Making the choice to get into healthier eating habits is hands down the best thing I’ve ever done in my life.

I wish I had the exact numbers because I’m guessing in 2010 alone I spent upwards of $5,000 from being such an unhealthy mess.

Let’s fast forward to present day Jason who is in a much different situation than 2010 Jason. I go to the doctors’ office once, maybe twice a year for routine checkups and accidents. I very rarely have digestive issues. My anxiety is at an all-time low. I’m at a great place with my career and passions. And my personal life has never been better.

Looking back, my only regret is that I wish I had starting eating healthier much sooner. However, hindsight is 20/20 and if I hadn’t experienced all of that back then, I probably wouldn’t be the same battle-tested individual I am today.

In reflection over the past several years, eating healthy has done wonders for my financial situation. What I really want to share with you today are a few of the reasons why healthier eating habits can help you to save and earn much more money than an unhealthy counterpart.


Reason #1: Less money spent at the doctor’s office.

This is the most obvious reason of them all, yet for some reason still goes overlooked by many. With ever-increasing insurance premiums and deductibles, patients are responsible for a lot more of the medical expenses they incur.

In 2010 alone I spent close to $5,000. That doesn’t even include the years that followed and dozens of doctors, specialists, and therapists visits. By developing healthier eating habits, you’re making the choice to potentially save thousands by not needing to pay for your poor health.

Maybe you’re not an anxious, digestively cursed person like I am. Other poor examples of health still apply. Let’s look at a much more common example. More than half of Americans are overweight or obese. According to a 2012 study published in the Journal of Health Economics, the average obese person spends roughly $2,700 per year more on health care than a “healthy” individual. If you were to have some sort of catastrophic event, such as a heart attack, those numbers would be much higher.

By eating healthier and lowering your body weight even a little bit, you can lower blood pressure, improve cholesterol, and decrease your risk of Type 2 diabetes. All things that relate to higher medical care costs.


Reason #2: Less time spent at the doctor’s office.

Cold hard cash isn’t the only thing you’re spending at the doctor’s office – you’re also sacrificing your precious time. According to a Harvard Medical School study led by Dr. Ateev Mehrotra, Americans spend a collective 1.1 billion hours per year obtaining health care for themselves or others, valued at a grand total of about $52 billion of lost time. Time that could have been spent earning money, working on ways to improve yourself, or just plain enjoying life.

Being in and out of different medical appointments isn’t fun and neither is being on a first name basis with your pharmacist. By making the decision to eat healthier, you reward yourself with more money and more time back in your pocket.


Reason #3: Increased productivity.

When you eat a healthy diet, your body is properly nourished and you have the energy and focus to make it through the work day. When eating an unhealthy diet, you may feel tired, depressed, and even more hunger – all things that distract or limit your ability to be productive.

If you’re working for yourself, this one is a no-brainer. It’s ultimately on you and your colleagues to bring in more business. The more productive you are, the more business you do, and the more money you earn. Simple as that.

But even when working for someone else, being more productive certainly has its benefits. Efficient, top producers at companies are most often the ones first in line for promotions and bonuses.

If you’re not sure how much exactly eating healthier can help, a 2012 study by Population Health Management showed that eating an unhealthy diet is linked to a 66% increased risk of productivity loss. To put that in comparison, people who rarely exercise have a 50% increased risk of productivity and smokers are at a 28% increased risk.

This means that if you’re feeling oddly unproductive at work, the first thing you should change are your eating habits.

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Reason #4: Less money spent eating out.

Let’s face it. Most people love going out to eat. The sad truth is that most options you’ll find on restaurants’ menus aren’t exactly the healthiest food choices. So what does this mean for those desperately trying to eat healthier?

More grocery shopping and home-cooked meals.

This is a good thing. For starters, cooking is a basic skill that every human being should learn. It’s also a great skill to impress a date with, if you didn’t already know. Second, you have much more control over the types of food you consume when you cook at home. It’s a heck of a lot easier to eat healthy when you know exactly what’s going into the food you put in your belly.

And finally, there’s the money factor. According to the folks over at, the average “going out” meal costs $13 per person compared to about $4 when you cook for yourself.

How many times per week, or even per day, do you eat out? I bet there’s a ton of money for you to be saving.


Reason #5: Increased happiness, which leads to earning more money.

It’s a common belief that money can buy happiness. While this may hold true to an extent, it turns out that the opposite has a much more powerful effect – happiness leads to more wealth.

A study published in the Proceedings of the National Academy of Sciences showed that adolescents and young adults with higher levels of life satisfaction earn significantly more money later in their careers.

Turns out that happiness in the workplace is a one-way ticket to a higher salary. Why is this?

  • Happy people are more productive (we already covered this one).
  • Happy people take less sick days. This means more time in the office producing and less time at home coughing and sneezing.
  • Happy people are more optimistic. If you’re not a part of the solution, chances are you’re part of the problem. Optimistic people tend to dwell less on problems and instead focus on how to solve them.
  • Happy people want to learn and grow. One of the best things you can do for yourself is to take the time to invest in your own well-being. Happy people understand this and invest in themselves and their futures. A growing employee has no where to go but up.

If eating healthier is still something that’s not on your agenda, it should be.

The key to healthier eating, like many things, isn’t a magic bullet. You don’t wake up and say “today I’m never eating junk food again” and expect to actually get anywhere. That’s a prime example of trying to go too hard, too fast. You don’t need some miracle overnight epiphany or change of character, what you need are better habits.

If you want a full, beginner style breakdown of how to develop healthier eating habits, I’ve written a guide that will walk you through what you need to know. If you’re pressed for time and want the tl;dr, then don’t worry, I got you.

Like most things, the way to develop healthier eating habits is slowly and consistently.

If eating healthy was easy, every one would be doing it. Too many people think they have to sacrifice all the foods they love to eat healthier. Nothing could be further from the truth. You don’t need to make that drastic of a change, especially when starting out. Remember that even little changes to your diet can have dramatic effects on your health.

Here’s what you really need to know:

  1. “Fad diets” are not the answer. These are the diets that force you to eat a bunch of’ A’ while sacrificing ‘B’ through ‘Z’. You know the ones I’m taking about. More often than not, these lead to catastrophic failure in the long run.
  2. Focus first on the quality of foods you eat. This is the most important aspect of a healthy diet. Concentrate on eating more vegetables, fruits, and other whole foods that provide your body with the vitamins and nutrients it needs for optimal health.
  3. Focus second on the quantity of foods you eat. Oddly enough, once you start eating better quality foods, the quantity aspect starts to correct itself. Real food, not processed junk, leaves you feeling full longer and it doesn’t throw your hormones out-of-whack. That said, you still need to be mindful of how much you eat. Eating more than what your body needs leads to weight gain, no matter what planet you live on.
  4. When making any changes to your diet, only make one change at a time. Start by simply adding more vegetables to your daily meals. Preferably choose a meal that would be easiest for you to alter. If you’re constantly on the go in the morning, lunch or dinner might be a better starting point than breakfast. Eventually work your way up to eating entire meals of whole foods.
  5. Consistency is more important than performance. This is especially true for beginners. Don’t worry about eating the healthiest foods possible for every single meal, instead focus on sticking with your new habit in any way you can. Once you start consistently making healthier food choices – no matter how small – you can start scaling up as you feel comfortable.

In summary, eating healthy doesn’t only affect your health, it affects many other aspects of your life – money obviously being one of the frontrunners. As I’ve shown, healthy people earn and save more money by staying out of doctors’ offices, being more productive, cooking more meals at home, and just all around being more rad.

Choosing to develop healthier eating habits is hands down the best change I’ve ever made in my life. The keys to starting, as with most habits, are baby steps and consistency. Change isn’t easy and old habits die hard, but heed my advice and follow the tips I’ve provided, and you should be well on your way to healthier, richer life.

Author bio: Jason Gutierrez is a blogger, engineer, and full-time sushi lover. He is the founder of The Monk Life – a blog dedicated to simple living and productivity. With it, he helps people design a simpler, more productive lifestyle through better habits. He firmly believes that everybody is their own superhero. To learn more about Jason and his philosophy check out

Could having healthier eating habits help you save and earn more money?

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Michelle Schroeder-Gardner

Author: Michelle Schroeder-Gardner

Hey! I’m Michelle Schroeder-Gardner and I am the founder of Making Sense of Cents. I’m passionate about all things personal finance, side hustles, making extra money, and online businesses. I have been featured in major publications such as Forbes, CNBC, Time, and Business Insider. Learn more here.

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  1. I really like the concept of this article – often people only look at the face-value costs of eating better, which is usually more expensive than the mass produced junk. We all need to look at the much bigger picture, that investing in our food/health is one of the most important and can “pay dividends” in other areas (not to mention your life is the only thing that makes you “you”)

    Tristan and I have been making gradual changes to our health/food over the last year and a half. We have also spent a lot of money using modern medicine in that time too, long story short we need IVF to have children. Investing in our health and improving our potential for a successful IVF sooner rather than later is definitely a money saving exercise (if only we could compare an “alternate universe” version of ourselves to see how many IVF tries the less-healthy versions would need).


    1. Better late than never Jasmin. It really can only help. Wish you guys the best of luck with everything!

  2. Mrs. CTC

    Love this! Eating healthier may seem more expensive initially, but I’m convinced that it’s actually an investment. A rather safe investment as well, you can’t really lose by improving your health.

    To me, eating well and exercizing results in having much more energy and being more productive. And just happier overall.

    It’s a very personal thing though, I like how you experimented with several foods and ditched what didn’t work for you. There’s not really one diet for everyone, you have to try and find out for yourself.

    1. Thank you Mrs. CTC! The thing with just about any habit is experimentation. There’s not a definitive plan for everyone to follow. Try things out and find what works for you.

  3. Francesca – From Pennies to Pounds

    Ah darn it! I have a similar post ready to publish soon lol. Must-work-faster! Ha. All great points 🙂

    1. Thanks Francesca! And post it anyways. Everyone’s story is a little different 🙂

  4. I am totally agee and I’ve noticed on me and my parents, when you eat healtier foods well you have more energies, became normal do healtier grocery shopping and also if at the beginning seems a little bit more expensive if you choose seasonal and local foods you’ll be able also to save and eat very well!

    1. You can definitely tell the difference. Think of healthy eating like an investment, very similar to an IRA. The more you put into it while you’re younger, the better the returns in the future.

  5. Amanda-LivingFullyandFree

    Very good post! Health is so important to helping you save money long term and live a better life!

    Thanks for sharing your story!


    1. Glad you enjoyed! Thank you.

  6. You know I’ve usually equated eating healthier with spending more money on food. When you put it differently in this post it does make sense to save more when being healthy (less money on doctors office visits and such). Being smart about the food we buy at the grocery store is important too. If eating all organic is important to you, then budget for it. If not, save money by purchasing normal produce, but still buy produce. It’s good for the body!!

  7. Spot on analysis!

    Eating well for me is FAR harder than exercising more (the other side of the two-headed “get fit” coin), but has a much bigger impact on your overall results/success.

    My trainer (who so far has helped me go from 28% body fat to 16%) claims that 80% of the impact of a healthy lifestyle is eating the right stuff — only 20% is exercising. I wish it was the other way around.

    We focus on lean meats (which you can often get on sale is you shop several stores (simply rotate them based on sales) and veggies with very few carbs. It works, but is a challenge.

    1. Definitely a challenge but once you get it down pat, your healthier eating habits can often become easier than exercise. Don’t forget to indulge every once in a while though 😉

  8. David @ Thinking Thrifty

    Really happy your health has drastically improved and well done you for making the changes in your life to get there. My brother suffers from ulcerative colitis and all the doctors seem to do is pump him full of steroids. I’ll certainly sit him down and make him read this!

    1. David – thank you! Having someone else who suffers from something like that is tough. Sometimes no matter how much you try to help, they’ve got to want to help themselves. I was hard-headed for so long then finally exhausted my options so I had no choice to turn to better habits. Wish you guys the best!

  9. Thank you Rachel! Definitely agree. I actually strayed from healthy eating last night (caved to getting some Chinese food), and boy am I feeling the difference this morning.

  10. Lindsey

    Who knew eating better could make such a difference! I did notice a difference in my mood when I switched to a healthier diet. While junk foods tasted better, it didn’t do much for my mood.

  11. Really great article, Jason! Maybe people think that eating healthy is expensive because organic foods cost more than non-organic. But there’s so much more to it. Just doing your own cooking from real food (organic or not) is so much better and less expensive than buying processed foods or eating out. And you’re right – it’s not just about your food budget. Healthy eating has a ripple effect on so many areas of life. Sharing this on my Facebook page. Thanks!

  12. YES! To all of this! I have been trying to tell my family this for years. And one of the arguments I always hear is “well, buying healthy food at the store costs more!” Makes me sad that so many lack perspective when it comes to long-term savings. Great article! I really enjoyed this one.

  13. Thanks for a great post. I love reading stuff like this.

    We made the switch and saw our finances improve. Ditching junk food and buying healthy food didn’t hurt our budget. We found ourselves actually eating less. Later we learned that sugar just makes you hungrier and many processed foods are engineered to get you to consume more and more of them (for example, Cokes have so much sugar to cover up all the salt added – which makes you thirstier). About six weeks later, our doctor bills started going down as some meds were eliminated and the chronic sinus infections and UTIs stopped occuring.

  14. Norman

    I like your article a lot! I truly believe that if we each individually spend more time looking at the mirror and figuring out how to stay healthy, our country as a whole would save a lot more money on healthcare than any type of healthcare reform.

  15. I’m trying hard to cut back on processed foods, but they are sooo convenient. I’ve started by incorporating more vegan dishes into my diet and I do feel better. I have a weakness for bacon…. That’s going to be the hardest one to beat. Sigh.

  16. Lynsey

    Great article! This is something my husband and I have been working on, both for our health and our budget. We are doing well in both areas – we just want to bump up our efforts and save money faster. The changes we’ve been making to our eating habits started primarily due to money, but it’s had a nice side-effect of improving our health as well. Double win 🙂