Quit spending money sitting down. Everybody wants your dollars and cents, and they want you to spend it in a chair–at concerts, movies, restaurants, ballets, musicals, coffee shops, meditation groups . . .

Stay on your feet. Go for a walk or a hike. Lift weights while you watch the news. Find a good deal at a gym (the best deals usually appear when a gym first opens for business and offers a contract that stipulates that they can only raise your fees by, lets say, 1 percent every 3 years).