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Investing in your Health

There are many ways in which a person can invest; a most practical but seemingly unconventional way would be to invest in your health. Especially in light of the recent compromising health issues facing the globe with covid-19, placing care and attention on you own personal health can pay dividends. After all, “if you haven’t got your health, you haven’t got anything” (to quote my wife’s favorite movie, The Princess Bride): if you’re not healthy enough to enjoy the hard work on which you’ve you spent your life, you’re missing out! Check out the following three resources on this topic:

  • Read: States differ right now in their own response to covid, and while we in North Dakota have a lot more general freedom than many in the rest of the country with eased restrictions, there is still a great personal responsibility to reduce the opportunity for covid to spread. This Time article has great tips for staying physically and mentally healthy in the midst of staying at home.
  • Listen: Roger Whitney of The Retirement Answer Man presents how the quality of your health can have major financial implications on your financial wellbeing in retirement in 1) healthcare costs; 2) preventing Alzheimer’s disease; and 3) the possibility of work after retirement. Additionally, he outlines six areas of wellness (including physical, intellectual, emotional, social, spiritual, and occupational) and discusses the financial benefits of investing in them. It is important to start investing in this now before you reach retirement so that you can enjoy it!
  • Watch: We’ve heard it 100 times throughout our lives – how to improve your overall health. This handy video reminds us of the top five steps in doing so: maintain a healthy BMI, don’t smoke, exercise, eat more fruits and veggies, and get some good sleep! Start with building one small habit in these areas if you haven’t already, and reap the rewards of better health!

If you find the information provided valuable, please pass this email along to your family and friends! Better yet, recommend them to subscribe to this monthly newsletter by signing up on our website!

You can click on the links below to access this month’s resources.

Thanks for reading, listening, and watching!

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Bonnie Martinek

Administrative Assistant
Bonnie (Ben’s mom!) is a mother of 9 and a grandmother of 17. She has lived in rural Indiana her whole life and has a master’s degree in Special Education. In her own words, she’s done a little bit of everything but is a master of none (teaching, construction, manager of a corn maze, CNA, farm work, cashier, auto bodywork, and the list goes on!). Widowed in 2019, she is reinventing herself through her work in the day-to-day operations of Bona Fide Finance and client relations. Bonnie loves getting to know our clients and is happy to serve them well!
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Deb Martinek

Relationships Specialist

Deb has been with Bona Fide Finance since its inception in 2015 and long before that with her support of Ben studying for the CFP designation and the dream of starting the business of helping individuals and families meet their financial goals.

She fills the Relationships Specialist role – Deb is typically the first encounter our new clients have as she walks them through our service offerings and introduces them to the map of financial literacy.

She has a bachelor’s degree from Ball State University and a master’s degree from the Franciscan University of Steubenville. Deb lives in Bismarck with Ben and their two young daughters, is a card-carrying member of the CDL club (read more about those adventures here) and is happiest reading an epic novel, solving a 1000-piece jigsaw puzzle, or working in her kitchen where she can serve love to the people in her life through quality food (clients enjoy her holiday shipment of homemade goodies each December!).

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Ben Martinek

CFP®, EA, CSLP®, RICP®, Founder and Advisor

Ben Martinek, CFP®, EA, CSLP®, RICP®, is the founder and lead advisor at Bona Fide Finance, an independent, fee-only firm dedicated to helping doctors, young professionals, and growing families take control of their financial future. With a deep understanding of student loan debt—having tackled his own—Ben specializes in guiding clients through debt repayment strategies, smart investing, and comprehensive financial planning so they can build wealth with confidence. Ben’s passion for financial planning comes from his desire to provide honest, objective advice tailored to each client’s unique situation. He loves seeing the impact of his work, whether it’s helping a family pay off student loans years ahead of schedule, setting up an early retiree for financial freedom, or giving clients the peace that comes from knowing their finances are in order. His clients appreciate his thoughtful, high-touch approach, often saying that working with him has changed their lives.

Before launching Bona Fide Finance in 2015, Ben’s career path was anything but conventional. The fourth of nine children, he grew up in rural Indiana and initially pursued a path in academia, earning a B.A. in philosophy and classical languages, followed by a master’s degree in philosophy. Along the way, he explored careers in construction and truck driving—logging over 600,000 miles across the U.S. with his wife, Deb—before finding his true calling in financial planning.

Now based in Bismarck, North Dakota, Ben and Deb stay busy raising their two daughters, Edith and Virginia. Since their truck-driving days, Ben is happiest on a long road trip—preferably behind the wheel of his TDI Volkswagen Jetta. He enjoys sailing on Lake Sakakawea, camping in their vintage ’90s pop-up camper, and smoking a pipe by the grill. A lover of strategy board games, he favors Clans of Caledonia (mostly because Deb refuses to play Risk with him). When he’s not working with clients, he can be found smoking meat, gardening, hiking, or diving into The Lord of the Rings or Dune. Ben also serves on the school board for his daughters’ Montessori school and is actively involved in pre-marriage ministry in the Bismarck Diocese.

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