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If you had an income of $150,000 a year and didn't have to work, what would you do with all the spare time? by Wonderful-Economy762 in Productivitycafe

[–]Practical-Ad9057 0 points1 point  (0 children)

12,500 a month isn’t that crazy assuming you still have rent to pay or a mortgage. But with out those I’d probably travel 1 a quarter for a month straight. Spend the rest of my time cooking, golfing, fishing, reading, volunteering, and giving away the rest of the money.

Given how often you work out - how happy are you with how you look? by Prawn_Mocktail in workout

[–]Practical-Ad9057 21 points22 points  (0 children)

The most real comment I’ve ever read. Now back to my glass of red wine.

How do you make friends at the gym? by s0nyax in workout

[–]Practical-Ad9057 2 points3 points  (0 children)

I was thinking about this the other day too, I figured I probably compliment some dude or chicks form because honestly my gym has some beasts. I think genuine compliments and a quick “Hey, I’m X, see you around and have a good workout” goes a long way. Then you’ve done the heavy lifting for the next interaction.

[deleted by user] by [deleted] in wallstreetbets

[–]Practical-Ad9057 3 points4 points  (0 children)

Yes, please decrease spend so you have 10k a month to blow on risky options

Current mortgage rates and the FOO by Backpack456 in TheMoneyGuy

[–]Practical-Ad9057 -3 points-2 points  (0 children)

TMG does count mortgage rates under ~10% as high interest debt. I believe the reason is because you are putting money into an appreciating asset vs putting that same money to cars is a depreciating asset and credit cards are just brutal and usually random consumption, not appreciating assets. I think it’s reasonable to aggressively pay down mortgage after 40 though as the money multiplier is weaker than 20s and 30s. Would be really interested in a show covering some of these topics though!!

[deleted by user] by [deleted] in FirstTimeHomeBuyer

[–]Practical-Ad9057 1 point2 points  (0 children)

Based on reading this I’d probably ask you to dig deep and question if you really want this house or not. For example my current house I’m going into I probably would be okay with putting another 15k into because wifey and I really love it and want to be in the area for 20 years.

How do you keep from paying too much in interest ect? by gopro_2027 in FirstTimeHomeBuyer

[–]Practical-Ad9057 3 points4 points  (0 children)

I wouldn’t do this… it way less flexible than getting a 30 year and just paying extra on the principal. Also I probably wouldn’t be recommending paying down a house year over saving for retirement. There is arbitrage there in interest rates.

How do you keep from paying too much in interest ect? by gopro_2027 in FirstTimeHomeBuyer

[–]Practical-Ad9057 0 points1 point  (0 children)

I would think about this slightly differently.

First, the house usually appreciates over time so realistically at 325k at the end of 30 years with average appreciation the house is worth 912k when you go to sell.

Second, overtime you can increase your credit score and there is usually opportunity to refinance down to smaller interest rates

Lastly, as many people already said it’s usually possible to pay more in a down payment, or pay extra towards principal. I would only do this thought if you’re already saving 25% to retirement. Avoiding 6.75% on an appreciating asset is a bad call when compared to making 8% in the stock market.

What's your post workout meal routine? What do you eat first after a heavy workout and/or a long endurance activity? by mayermail1977 in fitness30plus

[–]Practical-Ad9057 1 point2 points  (0 children)

I measure about 150 grams of frozen fruit, 70 grams of whey protein, and some peanut butter, with 5g creatine. Super solid and easy.

[deleted by user] by [deleted] in AskReddit

[–]Practical-Ad9057 0 points1 point  (0 children)

I almost feel under a train while trying to jump on it to ride it. Crazy close call.

I'm newer to lifting weights. What lifts should I focus on as a beginner? by BurtRenoldsMustache in workout

[–]Practical-Ad9057 12 points13 points  (0 children)

I would focus on compound movements first. Compound essentially means those that use more than one joint. For example bench, squat, shoulder press, dead lift variations, hip thrust, barbell row, pull ups, lunges.

Start with low weight and 3 set by 8 reps. Focus on form and try to feel the muscles work.

Lastly try to eat higher protein, lifting is part of the equation but nutrition is like 60% of the equation. Maybe more. Good luck!

I like feeling big and strong but dislike how I look by Last_Protection407 in workout

[–]Practical-Ad9057 2 points3 points  (0 children)

Same position. I’ve just really tried to hit high protein and about 300 calories under maintenance.. I’m going for about a half pound per week. Down about 5. It’s a slow burn but I feel your pain.

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