There is a simple step we can all take that could reduce our stress levels and risk of heart disease and mental illness. It can prevent cognitive decline later in life and help you live longer, earn more money and be happier. While it is no substitute for a health diet and regular exercise, it costs nothing and can be done in seconds. All of this can be yours in exchange for three little words: “I forgive you.” “I don’t know if there is a sphere of your life that will not be positively impacted by being more forgiving,” says Loren Toussaint, a psychologist who studies forgiveness at Luther College. The Reach Intervention (for Recall, Empathize, show Altruism, Commit and Hold onto forgiveness) is a commonly taught way of promoting forgiveness.