Dear Friend,

The end of the year is always a little chaotic.

The other night I caught Crizen staring off into space — that familiar look that tells me her mind is racing through everything that still needs to happen.

• Family plans

• Christmas decorations (Freaking Elf)

• Holiday parties

• Travel

• Last-minute gifts

• School schedules

• Business deadlines

It’s the season of reacting.

Most of December is spent trying to keep our heads above water, responding to whatever gets thrown at us, leaving very little space to slow down and think proactively.

So instead of another “New Year’s resolution” list…

I want to share my end-of-year strategic health cheat sheet.

This isn’t about adding more to your plate.

It’s about using what expires, tightening what drifts, and setting momentum for January — before January arrives.

1. Health Insurance: Use What Runs Out

This is the low-hanging fruit most people leave untouched.

Use Your FSA

Your FSA does not roll over. If you don’t use it, you lose it.

Eligible uses include:

• Vision and dental

• Physical therapy / chiropractic

• Mental health visits

• Orthotics, braces, splints

• Labs and diagnostics

• Certain OTC medications

• Medical devices

• And even Direct Primary Care (DPC) membership fees like BodyTime

  (shameless plug — but also convenient truth)

HSA Catch-Up (If You’re 55+)

Your HSA does roll over — and grows tax-free.

If you’re 55+, you can add an extra $1,000 catch-up contribution for 2025. Deadline: April 2026

Think of HSAs less like spending accounts and more like long-term health investment funds.

Recheck Your Health Plan Elections

If open enrollment is still live for you:

• Max your HSA/FSA if cash flow allows

• Confirm HSA eligibility

• Review deductibles and networks

• Understand prescription and lab coverage

Tax-advantaged healthcare dollars are one of the easiest financial wins there is.

If You Met Your Deductible — Use It

Now is the time to finally schedule the test/procedures you put off:

• Colonoscopy or screening imaging

• Metabolic and advanced lab testing

• Specialty visits you postponed

• PT or orthopedics consults

Once January hits… that meter resets.

2. Set Conditions for January 1, 2026

Most people wait until January to “start.” The smart ones build January in December.

Health Tech That Pays You Back

If you’re gifting (or being gifted), here’s our favorites:

• Oura

• Whoop

• Eight Sleep

These don’t “optimize you.”

They expose blind spots and awareness is where behavior change begins.

Simplify Supplements

Ask three questions:

• Why am I taking this?

• Is it still serving me?

• Can I eliminate it?

Health isn’t better with more. It’s better with clear intent.

Commit Before Motivation Arrives (Don’t “Think About It”)

If you’ve been thinking about joining a gym…

Enroll now. Set the start date: January 1, 2026. Put it in your calendar.

Motivation follows commitment — not the other way around.

For Us, It’s Personal and Professional

For me and Crizen, all of the above applies personally.

And in parallel… we’re doing the same thing inside BodyTime.

Using December to:

• Clean up systems

• Simplify complexity

• Reset priorities

• And build momentum into 2026

Same strategy. Same principles. Different arenas.

At BodyTime, our focus is turning health knowledge into action. Here are a few ways to start:

• 🌐 Explore more at BodyTime.Health

• 📅 Questions or schedule a meeting. Email: [email protected]

• 📨 Share or subscribe: Join the newsletter

This newsletter is intended for informational purposes only and does not constitute giving medical advice or endorsing any treatment. The use or application of the content herein forms no doctor-patient relationship. The information in this newsletter should not substitute for professional medical evaluation, advice, diagnosis, or treatment. Always seek the advice of your physician or another qualified healthcare provider with any questions you may have regarding a medical condition.

Thanks,

Mike