Living as well and as beneficently as possible might be higher priorities. The older folks with the desk jobs are often quite literally sacrificing their own well-being for their family's, "deprioritizing their health" for another priority.
"You could not do more with your money than get professional help in steering your body"
You could donate to help poor people survive, to help sick people get well, to heal the natural environment, to educate children, to encourage peace and justice, to strengthen your community, or to advance knowledge.