You must choose your own forms of hardship, or they will be chosen for you by fortune.

Suffering through workouts or being surprised by injury and frailty.

Budgeting your money or being blindsided by unexpected events.

Controlling the food you eat or being weakened and sickened by the lack of discipline.

You get to choose all of these. You get to choose what form of exercise to do, or what to spend your budgeted money on.

The only choice you do not have is "No Hardship."