Weigh-Ins are on MONDAYS - Updated July 3, 2017

Surgery Date: October 20, 2009:

Thursday, September 12, 2013

Would You Rather Gain Weight or Gain Financial Debt?

I am a personal finance blog reading freak.

There are about 17 personal finance blogs that I read pretty much each and every day.

'Cuz that's how I roll.

My favorite personal finance blog?  DINKS Finance.

And just in case you didn't know, D.I.N.K. = Double Income No Kids.

Today's post over at DINKS Finance was:  What does your health have to do with your budget?

Go read it.

It's awesome-sauce.

What I liked most about the post was the hypothetical question:

Would you rather gain weight or gain financial debt? 

Let's get one thing super duper clear here:








I don't like to owe anybody, anything.  Ever. 

The concept of debt gives me the heebie jeebies.

Just for grins, let's rephrase that hypothetical question again with some hard-core numbers thrown in: 

Would you rather gain 100 lbs or gain $100K of financial debt? 

My answer? 

I'm honestly torn on this.
If I instantly gained 100 lbs, I would take me about a year and a half to lose it again. (I've done it before and I could do it again).

If I instantly had $100K of debt, that would take way longer to get rid of it and pay it off.  Maybe ten years or more? Who knows.

But how can I put a price or timeline on my health?

How can I put a price on how I feel today: fit and healthy. 

What is your answer to this question?  

Would you rather gain 100 lbs or gain $100K of financial debt? 

Tell me:


  1. Yeah I was going to say, you might die in the one year of weight loss too.

    Those student loans are painful for me, but would I give up $70k of student loans to put the 100 pounds I have lost back on? Hell no.

    It might be a different answer if I was going from no debt to having it, the way you phrased the question. But I already know I can survive with debt, and I don't know how long I would've survived at 344 pounds.

  2. I'm with Hollee. I can survive the student oans I'll be paying if the rest of my life, but I have a feeling I wouldn't have been around long enough to do it if I kept gaining the weight like i was. So I'll take the debt.

  3. I have been to both places and back again:( They both suck!

  4. Cant wait to check out that site...yeah...we just got done paying everything off...so not sure I'd want to take on 100K of debit....but on the other hand...100 pounds...yikes... tough call..

  5. What do I get for the 100K? Hopefully something great. Thats what I'd choose. Poor, but healthy. :)

  6. 100k, definitely. It's funny how I didn't even have to hesitate on this one.

  7. The debt. Without a doubt. Yes, I know I can lose the weight again, especially with the help of my band. But I also in my younger life made bad financial decisions and even though (other than my mortgage) I'm nearly debt free...I just tacked on an additional 5K of debt (12 months interest free mind you) to get my arms done. I would take the debt in a heart beat because I know with 100 lbs back on, I may not have that many more heart beats. Great question, cannot wait to read the article.

  8. What are some of the other personal finance blogs? I am always looking for them.

  9. No question -- the $ debt. And that is bound to happen when the husbie and I buy an apartment. It's no where near as scary to me as 100 lbs. I don't want to carry that on my body, and I don't want to feel like sh*t about myself because of my weight ever, ever again.

    Funny enough, I did gain $100K in debt when I went to law school... and about 80lbs of weight during the 10 or so years that I worked like a dog, paying my dues as a lawyer. I am very happy to be rid of the debt and the weight.

    I loved your post about the weigh-ins. Great advice to take it a week at a time, and a small increment at a time.