About Fitness and Finance Over Forty: Kyle Nichol is a Certified Financial Education Instructor with the National Financial Educators Council. Having spent more than two decades as a personal trainer, Kyle improved the lives of hundreds of people by helping them improve their physical health As an entrepreneur and business owner during the height of the 2008 Great Recession, Kyle achieved rapid success in a highly competitive industry, then hit rock bottom financially and emotionally, prompting him to drastically overhaul his financial life and relationship with money. At Fitness and Finance Over 40, Kyle blogs about the very real, but not-so-obvious relationship between the "Three Pillars of Stress"—our emotional, physical, and financial health.