When you’re young you’re made of rubber and magic (to quote Chris Williamson). Your body is primed to go full bore into the world and hammer through life at full speed. You’re in absolute health credit – you just don’t know it.
But as you age, you effectively spend down that credit and most people end up in poor health – a state of health debt.
The good news is that you can pay down this debt and even get back into credit by investing in your health.
Naturally the closer you get to old age, the harder it is to stay in credit or even neutral – conversely to how most people accrue financial debts at the start of their lives and live off credit at the end (ideally), health debt only increases until the repayments are enough to kill you.