People would be thousands of pounds better off if they gave up smoking, kept their alcohol consumption within recommended limits and maintained a healthy weight, new research suggests.
The study, which was commissioned by Bupa, found that the average smoker would save £1,500 a year by giving up smoking.
In addition, those who quit smoking between the ages of 30 and 49 could boost their income by £7,186 per year in middle-age thanks to improving their life expectancy.
The researchers found that heavy drinkers who cut their alcohol consumption down to the recommended daily maximum could save about £200 a year.
Meanwhile, obese people who manage to lose weight could boost their future earning power by up to £500 per year as a result of taking less sick leave and thereby keeping their skills up-to-date.
Overall, the Bupa research indicates that people who smoke, drink heavily and are obese could be losing out to the tune of £10,000 per year.
Paul McArdle, a dietician who runs a nutrition clinic for Bupa, suggested that one barrier to health and productivity is the lack of free time during the working day, with just three in ten workers taking a lunch hour.
He advised: 'Best practice is for employees to take breaks at regular intervals throughout the day to help stay alert and focused.
'And if you have vending machines in the office, stock them with at least 50 per cent healthy snacks and try putting apples at eye level - employees will choose the healthy options if they are there.'