Most people believe the key to happy and productive retirement years is staying healthy. Y

et, its not just about diet and exercise. How you manage your money often determines your level of stress, which, if too high, may lead to chronic health problems like heart diseases. So youll have to do more than switch to whole wheat and start jogging every day. Your health also depends on feeling good about and in control of your finances. Not a lot of people understand that—and relatively few are doing much about it. In a survey, Principal Financial found that just 48% of American workers are monitoring their spending—down from 58% two years ago. Fewer are reevaluating their investments, and while more are using a budget, the rate is still low at just 28%. In other words, they are casual about their money. Most American workers see the link between wealth and health as one directional: Staying healthy is the ticket to saving on healthcare costs and to financial security in retirement. In the survey, 84% said being physically healthy is good for their financial future and 76% said if they spend money on their health or things they enjoy now they will avoid major health costs later in life. Yet its not that simple. Good health comes with its own financial demands. Living healthy means living longer, which is wonderful. But without a traditional pension or other source of guaranteed lifetime income how will you pay for all those extra years？ Youll need to save tens of thousands of dollars more than you may have figured in your lifetime—and still there is no guarantee you wont need costly, end-of-life services. None of this is to say that living longer and healthier isnt a blessing, and probably even less a demand on your resources than developing chronic illness and passing away early. But the link between financial health and physical health goes both ways. In the survey, workers were far more likely to rate themselves physically healthy(53%)than financially healthy(31%), suggesting they see it as a one-way street. But its also the case that feeling in control of your wealth—no matter how much you have—leads to better health.

In the first paragraph, the author expresses the belief that______.

A．nothing but diet and exercise determines health

B．diet and exercise have nothing to do with health

C．health after retirement depends on money alone

D．wealth also plays a role in staying healthy