Introduction to Financial Fitness

Day 1 of the Financial Fitness Article Series

Kara Monroe
6 min readFeb 1, 2024
A photorealistic image which shows a tree where most of the leaves are $10 bills. The tree is in front of a black background and the tree is growing out of what looks like oversized mulch.
Image created by the author using Midjourney using the prompt “Create a photorealistic image that shows a tree growing from a dollar bill, highlighting the concept of financial growth through smart investments.”

Welcome to the Financial Fitness article series, where we embark on a transformative journey to empower you with the knowledge and tools to achieve financial wellness. In this series, I will not only introduce you to the concept of financial fitness but also delve into the practical steps you can take to gain control over your finances and create a brighter financial future. Plus, we’ll explore the features of You Need a Budget (YNAB), a software program designed to revolutionize the way you manage your money.

The Importance of Financial Fitness

I like the term financial fitness because it puts managing your finances in that same category of things as things like eating healthy, brushing your teeth, and moving your body. Financial fitness is about more than just having money; it’s about having financial peace and security. It’s the ability to manage your financial resources effectively to meet your current needs, achieve your goals, and plan for the future. Just like physical fitness, financial fitness requires regular attention and is more influenced by what you do regularly than what you do once in a while.

What are the benefits of financial fitness?



Kara Monroe

I am a world traveler, part-time road warrior, and home body all wrapped up in one gadget-loving package. Writer, photographer, chef, and aspiring artist.