New Delhi, Feb. 28 -- A neat 25% slice of income spent on gym memberships, boutique classes, fitness trackers, protein supplements, and the latest wellness fad may get you leaner, but it could just as easily throw your finances off balance and quietly erode long-term financial security.

The wellness industry has done a fabulous job of making us more health-conscious, but orbiting that newfound realization is an industry that's eyeing your wallet. The tussle isn't health versus money, but health versus lifestyle creep.

A sensible path to fitness needs clarity and consistency. Narrowing down to a fitness goal and then taking the most cost-effective route to get there can be more rewarding than expensive paraphernalia.

That's the focus of...