"Put more bone in the bank," says Donnica Moore, M.D., a physician educator and expert in bone health. Maintain a steady calcium intake, just as you'd add to your 401K — and start as young as possible! (Have your teenage daughter join you, as well.)

Stock up on these foods:

low-fat cheese

fortified OJ

fish

fruits and veggies

And if you're dieting on black coffee and diet soda, make room for (skim, hormone-free) milk. Caffeine induces the body to excrete calcium through urine.

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