Written by Amy Morin, LCSW
Published Sep 09, 2026 | 5 minute read
Increasingly, people are embracing what’s sometimes called preventive pampering: making thoughtful investments in their physical, mental and emotional well-being so they can enjoy a healthier, happier tomorrow.
According to McKinsey’s 2025 Future of Wellness survey, 84% of U.S. consumers say wellness is a top or important priority—and that market represents more than $500 billion in annual spending. Yet for many, actually achieving those wellness goals can be a challenge.
One way to bridge that gap is making a few intentional choices that support your long-term well-being. Here are eight ways to start investing in yourself today.
Sleep is the foundation of good self-care, but many people struggle to get the sleep they need. The American Academy of Sleep Medicine recommends at least seven hours of sleep each night, but about 30% of U.S. adults get less than that.
Improving your sleep hygiene doesn’t require a complete bedroom makeover or overhauling your routine. In addition to going to bed at a consistent time each night, making simple upgrades and adjustments can help you fall asleep faster, sleep deeper and wake up feeling more refreshed.
Consider investing in:
READ MORE: Sweet Dreams: 8 Tips To Build the Perfect Sleep Environment
Consistency is the key to any good skincare routine. And a simple routine you’ll actually follow is more beneficial than a drawer full of products you forget to use.
Start by building your routine around a few foundational habits and products, such as:
Like sleep, skincare is a long game. Daily habits that protect your skin can help maintain skin health over time.
READ MORE: The Makings of a Good Purchase
Your environment shapes your mood and influences your stress level. Carve out a dedicated space in your home for relaxation and restoration that signals to your brain you’re “off duty.” Creating a home spa, for example, can cue your nervous system to calm down.
Ideas include:
Often, a few small touches that appeal to your senses can transform an ordinary space into a soothing retreat.
READ MORE: 5 DIY Home Renovation Projects That Cost Less Than $10K
Movement is one of the most reliable mood regulators we have, and it’s easier to stay active when you choose something that fits your interests and lifestyle. In other words, buy equipment you’ll enjoy using, not items you think you should be using.
Examples include:
Moving with other people can also boost motivation and accountability while creating valuable social connections. Joining a club, fitness class or recreational sports league can make movement feel more social and easier to sustain.
READ MORE: 7 Tips To Create a Home Gym That Meets Your Needs
Chronic stress can take a serious toll on your physical and mental well-being. According to the American Psychiatric Association’s annual mental health poll, nearly half (48%) of respondents say they are more anxious now than they were last year—an increase from 43% in 2025.
Consider tools and activities that reduce anxiety, such as:
READ MORE: Breathe! Tips To Recognize and Manage Your Financial Stress
Personal and intellectual growth is an overlooked form of self-care. Learning builds confidence and purpose and supports cognitive wellness as you age.
Consider signing up for online courses, taking a music lesson, buying photography equipment, stocking up on crafting supplies or cooking new recipes.
Once you’ve found an interest that fits your goals and budget, using credit cards may help you pay over time, get promotional offers, earn rewards and access exclusive deals.
READ MORE: Get More: Peace of Mind
The least glamorous form of self-care often involves scheduling all your routine health, vision and dental appointments. Yes, we’re talking about those annual doctor visits and periodic teeth cleanings.
These services often come with out-of-pocket costs. But financing solutions, such as the CareCredit credit card, can allow you to get care at enrolled locations and pay over time.*
In addition to preventive services, there are several practical purchases you can make to help avoid future problems, such as investing in:
READ MORE: What Is a Health Savings Account (HSA) and How Does It Work
Intentional spending starts with understanding why you’re making a purchase. Does it support your health? Align with your values? Generate excitement?
“You might book a massage to help get to the root of the pain you’ve been ignoring for weeks—that’s intentional self-care,” says Wendy Molyneux, MSW, CFEI, a certified financial social worker and founder of Whole Person Finance.
“You might also book a massage because you had a lousy day—that’s emotional regulation,” Molyneux adds. “Or you might book one because an influencer told you it will help you become ‘that person’—that’s identity-based purchasing. The transactions are the same. The psychology isn’t.”
In other words, taking a moment to examine why you’re buying something can help you distinguish between a meaningful investment and an emotional or impulsive purchase.
Synchrony helps you get the most out of everyday life. Explore our financing and savings products, plus deals and offers from the brands you love. Learn more.
*Subject to credit approval
Amy Morin, LCSW, is a psychotherapist, international bestselling author of 13 Things Mentally Strong People Don’t Do and host of the Mentally Stronger podcast, which is about self-discipline and self-care. She is also a frequent contributor to Verywell Mind and Psychology Today, where she covers health, wellness and personal finance.