Financial fitness is like physical fitness—it requires consistent effort and smart habits. Start by creating a realistic budget to track income and expenses. Build an emergency fund covering 3-6 months of living costs to protect against unexpected setbacks. Pay down high-interest debt to free up money and improve credit. Consider options like a reverse mortgage if you’re a homeowner aged 55 or older—it can provide extra income by tapping into home equity without monthly payments. Automate savings to grow your wealth effortlessly over time. Review your goals regularly to stay on track and build a secure future.