When you’re trying to get physically fit, you’re usually working on diet, body fat, stamina, and strength. To be in good shape, you’ve got to have a balance of all four. Getting financially fit is the same way:

Your diet is like your spending habits

This one’s all about discipline. And it’s important because approximately 80% of being physically fit is determined by your diet. Same with spending—it doesn’t matter how much you make, if you spend every penny, you’ll never be financially fit.

Your body fat is like your credit score

With physical fitness, it’s all about lowering your body fat percentage because excess fat slows you down and it’s not healthy. Same with financial fitness—you’re tracking your credit score and doing everything it takes to keep it up. Both involve using a number as a goal and adjusting other variables to get the number you want.

Your stamina is like your income

Having good stamina means you can last longer—so the better your cardio is, the more endurance you’ll have. It’s similar with your income—the higher your income is, the longer you can last because your paychecks go further. You’ve got more time to breathe and think about how you want to spend your money. That’s financial stamina.

Your strength is like your savings

Stamina, body fat, and diet are nothing without strength. Strength in savings or buying power is important. Having IRA’s, investments, mutual funds, and savings accounts can be great ways to be super fit. Having financial strength gives you ease because you know if something comes up, you have the power to take care of it.

We’ve all met that person at the gym who lifts a ton but they’re still not really fit because they might have a bad diet or weak cardio. Financial fitness is exactly the same—if you’ve got a great income but poor spending habits and a low amount of savings, it’s impossible to be in good shape.