Executive Performance Brief

Strength Is Your Retirement Account

Why Muscle, Strength, and Power Matter More After 40

The physical capacity you build today becomes the reserve you rely on tomorrow.

By Michael J. Padua Jr.

Executive Performance Brief :  Strength training is often treated as something we do to look better, lift heavier, or stay fit...but after 40, it becomes something much more valuable.  The muscle, strength, and power you build today create the physical reserve you'll depend on decades from now.  In Executive Performance Brief , we explore why strength should be viewed like a retirement account.  Think of it as something you consistently invest in now so you can remain strong, capable, and independent later.  Because when it comes to longevity, the goal isn't simply to add more years to your life, it's to have the physical capacity to fully live them.

Executive Insight

Most successful executives understand the concept of compounding.

You don't build financial security at age 65 by beginning to invest at 64.  You make deposits over decades, protect what you've accumulated, and allow time and consistency to work in your favor.

I believe we should think about physical capacity in much the same way.

Strength is your retirement account.

Every intelligently programmed resistance-training session is a deposit.  Every year you preserve muscle, maintain strength, and continue developing your physical capacity adds something to the reserve you may eventually need.

And just like a financial portfolio, waiting until you desperately need that reserve isn't an ideal strategy.

In Executive Performance Brief #001, I introduced the Executive Performance Pyramid - the idea that sustainable performance isn't created by optimizing one variable.  Recovery, nutrition, strength, cardiovascular fitness, objective health metrics, and accountability work together as an interconnected system.

In Brief #002, we went deeper into the aerobic side of that system.  VO₂ max and cardiorespiratory fitness give us insight into the size and efficiency of your aerobic engine.

Now we need to address the other side of physical capacity:

  • Can your body produce force
  • Can you maintain muscle?
  • Can you lift, carry, push, pull, climb, accelerate, decelerate, stabilize, and get yourself off the ground?

And perhaps most importantly:

Will you still be able to do those things 20 or 30 years from now?

These questions change the purpose of strength training.

We're no longer training simply to look fit.

We're training to remain capable.

Performance Brief #003 - Chicago Human Performance Coach

Muscle Is More Than Aesthetics

For decades, resistance training was often associated with bodybuilding, athletics, or younger people trying to improve their appearance.

That perception has changed considerably.

Skeletal muscle is metabolically active tissue that contributes to glucose disposal, physical function, movement, energy expenditure, and metabolic health.  Muscular strength also reflects contributions from the nervous system, muscle quality, coordination, and the ability to generate force.

Resistance training therefore affects much more than the size of your biceps.

A systematic review and meta-analysis by Ashton et al. (2020) evaluated 173 randomized controlled trials examining resistance exercise and cardiometabolic health.  Resistance training was associated with improvements in outcomes including blood pressure, insulin regulation, insulin resistance, vascular function, and cardiorespiratory fitness, although the authors noted that the certainty of evidence varied across outcomes (Ashton et al., 2020).

That should change how we talk about strength training.

This isn't simply:

How much can you bench press?

It is:

How much physiological and functional capacity are you building?


The Problem After 40: Capacity Doesn't Automatically Stay With You

Aging is unavoidable.

Becoming weak is not entirely inevitable.

Changes in skeletal muscle mass, neuromuscular function, physical activity, recovery, and other biological factors can contribute to declining physical capacity as we get older.  What makes this especially important is that muscle mass and muscular strength are not identical.

You can lose strength for reasons beyond simply losing muscle tissue.

This distinction has led researchers to use terms such as sarcopenia, referring broadly to age-associated losses involving skeletal muscle and function, and dynapenia, describing age-related loss of muscular strength that cannot be explained solely by loss of muscle mass.

For the executive, the terminology is less important than the implication:

Maintaining body weight does not mean you are maintaining physical capacity.

A 55-year-old can weigh exactly what he or she weighed at 35 while possessing a very different body composition and very different levels of strength, power, aerobic fitness, and metabolic health.

The bathroom scale won't tell you that.

Your mirror may not tell you that.

Performance testing often will.

And that is why I increasingly believe adults should ask not only, "What do I weigh?"

They should ask:

"What can my body actually do?"


Research Summary: Strength Is Associated With Longevity

The relationship between muscular strength and long-term health is compelling.

García-Hermoso et al. (2018) conducted a systematic review and meta-analysis involving 38 studies and approximately 1.9 million participants.  Higher handgrip strength was associated with lower all-cause mortality risk, and greater knee-extension strength was also associated with lower mortality risk (García-Hermoso et al., 2018).

That doesn't mean grip strength itself is magically keeping someone alive.  Grip strength can serve as a practical marker reflecting broader physical capacity and health status.

But the association reinforces an important concept:

Strength tells us something meaningful about the organism.

The evidence for resistance training itself is also noteworthy.

Shailendra et al. (2022) conducted a systematic review and meta-analysis examining resistance training and mortality.  Compared with no resistance training, performing any resistance training was associated with a 15% lower risk of all-cause mortality, a 19% lower risk of cardiovascular mortality, and a 14% lower risk of cancer mortality in the included observational evidence (Shailendra et al., 2022).

Another systematic review and meta-analysis involving more than 370,000 participants found resistance training was associated with a 21% lower all-cause mortality risk compared with no exercise. When resistance and aerobic training were combined, the association was even stronger (Saeidifard et al., 2019).

That last point is particularly important within the Executive Performance Pyramid.

Brief #002 wasn't an argument to replace strength training with cardio.

And Brief isn't an argument to stop developing your aerobic system so you can lift more weights.

The evidence increasingly supports the value of doing both.

Your aerobic engine and your muscular system solve different performance problems.

Develop both.

The Executive Strength Reserve

In Brief , I introduced the concept of physiological reserve. Let's apply that same concept to strength...

Imagine two executives are both 50 years old:

  • Both can stand from a chair.
  • Both can carry luggage through an airport.
  • Both can climb stairs.
  • Both can lift a suitcase into an overhead compartment.

From the outside, neither appears limited.  But let's say one person has spent 20 years consistently strength training while the other has gradually become less active.

For the stronger individual, lifting a 40-pound suitcase may represent a relatively small percentage of maximum capacity.

For the weaker individual, that exact same suitcase may represent a substantially greater relative challenge.

The task hasn't changed. 

Their reserve has.

Now extend that forward 20 years.  That's where strength becomes your retirement account.

The goal isn't simply to remain strong enough to perform today's activities. The goal is to build enough reserve that you can afford to lose some capacity with age and still remain highly capable.

This changes how I think about training people in their 40s and 50s.

We're not simply preparing them for their next workout.

We're preparing them for their 70s and 80s.

Strength, Muscle, and Power Are Not the Same Thing

There is another distinction executives should understand.

Muscle mass

This refers to the amount of skeletal muscle you possess.

Muscular strength

Strength refers to your ability to produce force.

Muscular power

Power incorporates how rapidly force can be produced.

In simplified terms:

Strength asks: Can you produce force?

Power asks: How quickly can you produce it?

That difference matters.

Consider getting out of a chair slowly versus quickly catching yourself when you stumble.

Or gradually lifting something from the floor versus reacting when an object suddenly shifts.

Or climbing stairs versus rapidly stepping up to regain balance.

Daily life requires more than maximal strength.

It requires the ability to produce force at the appropriate speed and time.

This is one reason a complete resistance-training program should eventually consider more than muscle size.

For appropriate individuals, training may include exercises designed to preserve the ability to produce force quickly by using carefully selected loads, medicine balls, faster concentric actions, jumps, step variations, or other movements appropriate to the person's age, experience, orthopedic history, and ability.

That does not mean every 60-year-old should start performing box jumps.

It means training should reflect the physical qualities we're trying to preserve.


Strength Is Also a Metabolic Asset

Muscle doesn't become valuable only when you're lifting something.

Skeletal muscle plays an important role in glucose metabolism.

After consuming carbohydrates, glucose enters the bloodstream.  Skeletal muscle represents an important site for glucose uptake and storage, and muscular contractions themselves stimulate mechanisms that facilitate glucose uptake.

This is one reason resistance exercise can play a meaningful role in metabolic health.

The meta-analysis by Ashton et al. (2020), for example, found improvements in fasting insulin and insulin resistance following medium-term resistance exercise interventions, particularly among individuals with elevated cardiometabolic risk.

This becomes increasingly relevant to the executive who spends much of the day sitting.

Think about the modern work environment:

  • Eight or ten hours at a desk.
  • Meals during meetings.
  • Long flights.
  • Business dinners.
  • Poor sleep.
  • High stress.
  • Reduced movement.

Then perhaps three workouts per week.

The answer isn't simply "burn more calories."

We need to create a body that can better tolerate the demands we're placing upon it.

Muscle is part of that strategy.

Mike Padua - Human Performance Coach

Coach's Perspective

After more than 20 years of coaching, one of the biggest changes in my philosophy is why I train strength.

When I started in this industry, much of fitness revolved around appearance.

    • Build muscle.
    • Lose fat.
    • Get stronger.
    • Look better.

Those goals are still completely valid.

But after coaching people across decades of their lives, my perspective has expanded.

    • I've watched clients have children.
    • Build businesses.
    • Change careers.
    • Get injured.
    • Recover from surgery.
    • Retire.
    • Become grandparents.

I've watched people who trained in their 30s move into their 40s, 50s, 60s, and beyond.

And eventually you realize something...

We're not training for one season.

We're training for a lifetime:

  • The squat stops being simply a leg exercise.  It represents your ability to sit down and stand back up.
  • A deadlift isn't merely about lifting a heavy bar.  It develops the ability to safely produce force from the ground.
  • A loaded carry isn't just conditioning.  It resembles luggage, groceries, equipment, and countless demands of real life.
  • Rows and pulldowns aren't simply about developing your back.  They contribute to the pulling capacity you use throughout everyday life.

And strength training itself becomes less about proving what you can lift today and more about preserving what you want to be able to do tomorrow.

This is where coaching experience and exercise science intersect.

The research tells us strength matters.

Experience tells me why it matters to the individual sitting in front of me.

Research Summary: Resistance Training Doesn't Require Living in the Gym

One misconception worth addressing is that meaningful strength training requires enormous amounts of time.

It doesn't.

The mortality literature should not be interpreted as establishing an exact "longevity dose" of resistance exercise—these are largely observational data and cannot establish cause and effect.

But the findings are still interesting.

In the Shailendra et al. (2022) meta-analysis, the relationship between weekly resistance-training duration and mortality was nonlinear, with the largest estimated risk reduction around roughly 60 minutes per week in the available studies.  The authors also emphasized that additional research is needed to understand the dose-response relationship more clearly.

The practical message isn't:

"Train exactly 60 minutes."

It's this:

You don't need to become a bodybuilder for resistance training to matter.

Consistency beats occasional extremes.

Two or three intelligently programmed strength sessions each week can represent an enormous shift for an adult who currently does none.

And the program can evolve as capacity improves.


Performance Metric: Strength Reserve

VO₂ max was the featured metric in Brief .

For Brief , I want to introduce something slightly different:

Strength Reserve

This isn't one standardized clinical number.

It's a coaching concept.

I think of strength reserve as the gap between the force required by your normal life and the maximum force your body can safely produce.

The larger that gap, the easier many everyday physical demands become.

There are several ways we can objectively monitor muscular capacity.

Grip strength is simple, quick, inexpensive, and has substantial epidemiological research behind it.

Lower-body strength can be assessed using appropriately selected squat, leg-press, sit-to-stand, or other standardized testing depending on the individual.

Upper-body pushing and pulling capacity can also be tracked.

And for experienced lifters, relative strength—strength in relation to body mass—can provide another useful performance marker.

The goal isn't to turn every executive into a powerlifter.

The goal is to stop guessing.

Establish a baseline.

Train.

Measure again.

If strength is increasing while movement quality, recovery, cardiovascular fitness, and overall health remain strong, we're probably moving in the right direction.


Your Strength Training Doesn't Need to Look Like It Did at 25

This is particularly important for people over 40.

Training hard still matters.

Progressive overload still matters.

Effort still matters.

But intelligent programming becomes increasingly valuable.

The goal isn't to prove that you can survive the workout.

The goal is to create the adaptation while managing unnecessary risk and fatigue.

That can mean manipulating:

Load.

Repetitions.

Tempo.

Range of motion.

Exercise selection.

Training frequency.

Rest periods.

Volume.

Proximity to muscular failure.

And recovery between sessions.

Some days heavy loading may make sense.

Other days moderate loads, unilateral exercises, slower tempos, machines, cables, dumbbells, or bodyweight exercises may provide exactly the stimulus we want.

Training should serve the objective.

The objective should never become surviving the training.

Executive Action Plan

So what should an executive over 40 actually do?

Start here.

1. Establish your baseline

Stop defining strength by what you remember lifting ten years ago.

Assess where you are today.

Choose measurements appropriate for your training history, health status, orthopedic considerations, and goals.

strength train

2. Strength train consistently

For most adults, training the major muscle groups at least twice weekly provides a practical starting framework.

The exact program should be individualized.

train movements

3. Train movements, not just muscles

Your program should generally develop the ability to:

    • Squat.
    • Hinge.
    • Push.
    • Pull.
    • Carry.
    • Brace.
    • Move through multiple planes where appropriate.

The exact exercises can vary enormously.

progress

4. Progress intelligently

If you perform the exact same resistance, repetitions, and exercises indefinitely, eventually the stimulus becomes insufficient.

Progress doesn't always mean adding weight.

It can mean improving technique, increasing range of motion, adding repetitions, manipulating tempo, adding sets, increasing load, or progressing exercise complexity when appropriate.

preserve power

5. Preserve power

If medically and orthopedically appropriate, incorporate some movements in which the intent is to produce force quickly.

Power doesn't need to mean reckless explosive exercise.

It needs to match the person.

support muscle

6. Support muscle with nutrition and recovery

Training creates the stimulus.

Adequate nutrition—particularly sufficient protein and total energy—and recovery help support adaptation.

And don't forget what we established in Brief #001:

The layers of the pyramid interact.

keep your aerobic engine

7. Keep your aerobic engine

Don't abandon Brief .

Strength and cardiorespiratory fitness aren't competitors.

They're partners.

The goal is to become difficult to physically limit.

Strong enough.

Fit enough.

Mobile enough.

Recovered enough.

And consistent enough to maintain all of it.

Coach's Challenge

Here's your challenge for this Brief:

Identify one objective measure of your strength and record it.

It could be grip strength.

A standardized push-up test.

A controlled sit-to-stand assessment.

A submaximal strength test.

Or, for an experienced lifter, a carefully selected strength benchmark.

Write it down.

Then ask yourself a second question:

What would I like this number to look like ten years from now?

Most people set financial goals for retirement.

A target portfolio.

A target income.

A target retirement age.

But very few establish physical goals for retirement.

What do you want to be capable of at 60?

At 70?

At 80?

Do you want to travel?

Hike?

Ski?

Golf?

Play tennis?

Carry your own luggage?

Get down on the floor with your grandchildren—and stand back up without thinking about it?

Those activities require a physical portfolio.

Start funding it now.


Final Thoughts

Brief #001 introduced the Executive Performance Pyramid.

Brief focused on building your aerobic engine.

Brief adds another critical asset:

Muscular capacity.

The objective isn't maximum strength at all costs.

It isn't maximum muscle.

And it isn't trying to train like you're 25 forever.

The objective is preserving and developing enough strength, muscle, and power that your physical world remains large as you age.

Think about your financial retirement account.

You contribute when things are going well because you know there will eventually be periods when you need those resources.

Your body works similarly.

There may be injuries.

Illness.

Travel.

Stress.

Periods of inactivity.

And aging itself.

Each can make withdrawals from your physical reserve.

Build the account before you need it.

Because longevity shouldn't mean simply adding years to your life.

It should mean protecting your ability to live those years on your terms.

Strong.

Capable.

Independent.

And ready for whatever you choose to do next.

Your future self will eventually live on the physical capacity you're building today. Make the deposits count.


References

Ashton, R. E., Tew, G. A., Aning, J. J., Gilbert, S. E., Lewis, L., & Saxton, J. M. (2020). Effects of short-term, medium-term and long-term resistance exercise training on cardiometabolic health outcomes in adults: Systematic review with meta-analysis. British Journal of Sports Medicine, 54(6), 341–348. https://doi.org/10.1136/bjsports-2017-098970

García-Hermoso, A., Cavero-Redondo, I., Ramírez-Vélez, R., Ruiz, J. R., Ortega, F. B., Lee, D.-C., & Martínez-Vizcaíno, V. (2018). Muscular strength as a predictor of all-cause mortality in an apparently healthy population: A systematic review and meta-analysis of data from approximately 2 million men and women. Archives of Physical Medicine and Rehabilitation, 99(10), 2100–2113.e5. https://doi.org/10.1016/j.apmr.2018.01.008

Saeidifard, F., Medina-Inojosa, J. R., West, C. P., Olson, T. P., Somers, V. K., Bonikowske, A. R., Prokop, L. J., Vinciguerra, M., & Lopez-Jimenez, F. (2019). The association of resistance training with mortality: A systematic review and meta-analysis. European Journal of Preventive Cardiology, 26(15), 1647–1665. https://doi.org/10.1177/2047487319850718

Shailendra, P., Baldock, K. L., Li, L. S. K., Bennie, J. A., & Boyle, T. (2022). Resistance training and mortality risk: A systematic review and meta-analysis. American Journal of Preventive Medicine, 63(2), 277–285. https://doi.org/10.1016/j.amepre.2022.03.020

Cooper, R., Kuh, D., & Hardy, R. (2010). Objectively measured physical capability levels and mortality: Systematic review and meta-analysis. BMJ, 341, c4467. https://doi.org/10.1136/bmj.c4467

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