Wow! That’s expensive!

Julia KrengelExcuses, Family, Food, MotivationLeave a Comment

Recently, I was talking with a client who expressed how important it has been for her to train with me. While personal training is not expensive, she explained that the accountability, support, and education she receives for her health is worth any expense she might pay. Personal training has helped her and many of my other clients improve and correct their health. I pondered her statement and decided to research the cost of being unhealthy. Wow! It’s expensive! Here’s what I discovered:  

If one is obese (BMI greater than 30), the overall annual cost is $4,879 for an obese woman and $2,646 for an obese man. The average increases dramatically as an obese person gains more weight to become morbidly obese. The estimate above includes expenses such as higher individual health care cost, reduced productivity at work (due to missing workdays and reduced productivity while at work), short-term disability (more likely to get injured or sick), additional gasoline use, and additional life insurance cost annually.

Other consumer related costs not included in this estimate are clothing, air travel, automobile size or furniture.

Being obese also increases the chance of other health issues including type 2 diabetes, hypertension, cardiovascular disease, hypercholesterolemia, asthma, sleep apnea, musculoskeletal diseases, stomach ulcer, gallbladder diseases, chronic liver disease and certain types of cancer. Eventually, an obese individual is likely to incur at least one of these unfortunate diseases which brings additional expense.



With all this information laid out, my question to you is: “How important is your health?” While finances really shouldn’t determine your health value, it seems to stop some people from taking preventative or corrective steps. If you or someone you love are overweight or obese, unfortunately you are on a path that will most likely incur extreme financial burden. Why not take the steps necessary to prevent or stop this financial downfall? The cost to correct is so much less than the cost of losing your health. I urge you to take the steps necessary to turn this fatal disease around!

For more info, please see the following article:


Personal training, my forte, is one of the many ways to receive the tools necessary to take action

My ask is the obese loved one in your life who wants to lose weight and is willing to put the work into losing it, but thinks they can’t afford a personal trainer. By investing in the education, accountability, and motivation to lose weight; I could potentially save them over $4,000 per year

early retirement causing loss of income (wage minus early retirement benefits)

“I can’t afford personal training!” This week the topic of training expense came up, so I thought I would share this conversation with you. A client was sharing that the investment to hire me is well worth it and that their health is too valuable to lose. They knew that by hiring me, they would be making an investment in their health. They would be improving balance (so they don’t fall and break something), strength (so they would have the strength to care for themselves), eating habits (to prevent the potential damage of junk food—high blood pressure, diabetes, cancer, high cholesterol), and weight management (to prevent joint damage, cancer, high blood pressure, fatique), and mental well-being (stress management, positive attitude, reduction of anxiety, energy). Does this client have serious health issues? No. Did they have serious health issues when they hired me? No. If someone is relatively healthy then why would they hire a personal trainer? The reason is simple. It’s less expensive to hire someone to help prevent health issues than it is to pay for the health issues. I’m not saying that hiring a trainer is the magic pill to prevent all health issues. What I am saying is that it definitely helps. I’ve seen so many clients get relief from back, hip, knee pain; they’ve gotten off of blood pressure medicine; their stress levels dropped dramatically; they’ve become more positive; they’ve lost weight;


$1200 per month for diabetes meds

Researchers using a simulation model have put a price on the direct medical costs of treating diabetes and its complications, during a lifetime, in the United States. The figure ranges from around $55,000 to $130,000, depending on age at diagnosis and sex, with the average being $85,200.


The overall, tangible, annual costs of being obese are $4,879 for an obese woman and $2,646 for an obese man.


Adding the value of lost life to these annual costs produces even more dramatic results. Average annualized costs, including value of lost life, are $8,365 for obese women and $6,518 for obese men.


o consumer-related costs, such as clothing, air travel, automobile size or furniture.


Today, two out of three Americans are obese or overweight (Flegal et al., 2010). If the current trajectory continues, one in two adults will be obese by 2030 (Wang et al., 2008). The obesity epidemic has been accompanied by an increase in the prevalence of comorbidities, including type II diabetes, hypertension, cardiovascular disease, hypercholesterolemia, asthma, sleep apnea, musculoskeletal diseases, stomach ulcer, gallbladder diseases, chronic liver disease and certain types of cancer (Malnick and Knobler, 2006; NHLBI, 1998). In addition, studies have shown that obesity reduces life expectancy (Fontaine et al., 2003) and increases disability (Sturm et al., 2004).


costs associated with being overweight or obese, including lost wages, higher work-related costs, and higher costs associated with the purchase of personal goods.


“obese” refers to those with a BMI higher than 30.


Individual Medical Costs Studies estimating health care expenditures by weight cohort show health care expenditures increase exponentially with weight, which means morbidly obese people spend much more on health care than overweight or moderately obese individuals. For example, Arterburn et al. (2005) estimates the health care costs for an overweight person are $346 higher per year than the health care costs for a normal-weight person (Table 3). In contrast, the health care costs for a morbidly obese person are $2,845 higher per year than the health care costs for a normal-weight person (Table 3). The incremental costs for morbidly obese persons are eight times the incremental costs of overweight individuals.

Table 3: Individual annual incremental medical costs attributable to obesity by weight cohort ($2009) Overweight $346

Moderately obese $807

Severely obese $1,566

Morbidly obese $2,845

Source: Arterburn et al. (2005)


Incremental costs associated with reduced productivity are $358 per obese worker.

In comparison to normal-weight men, severely and morbidly obese men miss two additional days of work per year. In comparison to normalweight women, overweight, moderately obese, severely obese, and morbidly obese women miss between an additional one and five working days annually.


Overweight and obese workers are more likely to suffer from disability than normal-weight workers, regardless of the measure of disability used.


In comparison to a normal-weight employee, the annual costs of short-term disability are $55 higher for an average overweight employee and $349 higher for an average obese employee

Severely and morbidly obese employees retire earlier than normal-weight employees. Individuals who retire early incur a loss of income. This loss will equal their wage minus the early retirement benefits the individuals receive.

GASOLINE USE – for every additional pound of weight for all car passengers, an additional 39.2 million gallons of fuel are consumed.

LIFE INSURANCE – In comparison to normal-weight individuals, an overweight and obese individual will incur an additional $14 and $111, respectively, in life insurance costs annually.


Overall Costs Table 9 summarizes the incremental costs for overweight and obese persons by expenditure type. Two overall cost estimates are reported: overall estimates including job-related costs, and overall estimates excluding job-related costs. We find that the overall costs of being obese are $4,879 for an obese woman and $2,646 for an obese man


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