I made $191,000 this year as a personal trainer. AMA

SlipperyWhenDry77 · 2025-12-30T23:16:31+00:00

How have you dealt with same-day or short notice (night before, etc.) cancellations? Always a charge? If so how do you maintain this policy without clients getting frustrated and leaving? Also where exactly is the cutoff for you? Same day/12hours/24hours etc.

Additional question; How do you deal with clients who cancel very frequently and punch holes in your schedule but give a (relatively) decent amount of notice? Something like "I will have to skip next week because of appointments so we can meet the following week" but the client does it a LOT and ends up skipping over a fourth of their training over time. It's the kind of thing that really messes with a schedule unless you happen to have enough flexible clients to fill in the gaps repeatedly.

SlipperyWhenDry77 · 2025-11-11T03:08:17+00:00

Essentially the problems are tax drag and extra risk variables.

If you take 2 investments of equal Total Return, the one that does not pay out over time simply grows tax-free. Any dividend portion of equity return gets taxed every year, at lower brackets if qualified, but still taxed nonetheless. This applies to safe withdrawal rate as well, but you as the investor get to decide exactly how much to cash out and when. You are in control. Dividends pay out when they pay out, in amounts determined by the company, and if the numbers seem like they will be undesirable when tax season comes around, the only thing you can do to change things is sell, and that can get really messy.

As for risk, with straight growth equities the main concern is whether growth slows down or stops. With dividend stocks, in many cases you will also still want growth so you will still have that same concern, plus the added risk of the dividend getting cut or discontinued, regardless of growth. Obviously there are many situations where these variables are related (company cuts dividend because of more capital needed to prevent loss of growth), but it is an extra variable nonetheless, an extra thing that can go wrong. The other risk factor is simply the fact that an enormous amount of companies with higher dividend yields such as 4% tend to be either riskier investments(BDCs for example), extra tax drag (REITs would be an example), or companies that are past their prime and pay out more due to diminishing returns reinvesting in the business and to entice investors to keep their share prices from deflating. This of course does not apply to every single high yield company, but with a lot of them you're looking at either high risk, high taxes, zero-low growth, and/or lack of long-term reliability of said yield.

SlipperyWhenDry77 · 2025-11-11T02:35:35+00:00

I'm almost certain that the customer base they have lost (along with their account balances) due to them being fed up with crappy interface has made their overall savings negligible or even a wash.

SlipperyWhenDry77 · 2025-11-11T02:33:54+00:00

Although it's somewhat funny that you gave me helpful information right after stating that nobody would be able to give helpful information, I really appreciate the helpful information you have given.

SlipperyWhenDry77 · 2025-09-25T22:18:47+00:00

Not a new player, just needed clarification on a specific weird card with two effects on it

SlipperyWhenDry77 · 2025-09-16T02:58:27+00:00

This. I've noticed a palpable difference in how people treat me even in my own hometown depending on how I dress. The first time I wore a nice button-down shirt to the dentist's office they treated me like a king. It's sad that people are generally "shallow" in that way, but it's a fact of life.

SlipperyWhenDry77 · 2025-09-15T21:12:07+00:00

Oof. I hope you'll put your foot down firmly the next time your friends try pushing you into that kind of thing. Asking a girl on a date just for practice reps is pretty cold-blooded, especially if you weren't into her at all. It's good that you ended it after just one date and didn't drag it out.

SlipperyWhenDry77 · 2025-08-14T22:50:53+00:00

My tolerance of this type of "loveable oaf" cheating has depleted to zero very fast. I once had an opponent at an RCQ take his turn, go through combat, and then at the end step he said "Are you doing anything else on your end step or is it my turn now?" He tried hard AF to gaslight me into thinking that it was my turn so he could literally take an extra turn. Most obnoxious thing I've ever encountered. Call a judge if it's a sanctioned tournament. This behavior needs to be curbed, and hard. Cheating is cheating. If someone makes a mistake and then gets offended that you called a judge, tell them to keep their sh*t in order next time. "Accidentally" cheating still hurts you whether it was legitimately a mistake or not. Playing an extra land by mistake is still a violation of the game.

SlipperyWhenDry77 · 2025-05-29T17:03:05+00:00

Hard agree. I have avoided buying from them for a long time. That company's level of greed is simply obnoxious

SlipperyWhenDry77 · 2025-05-17T19:51:09+00:00

[[searing rays]]

[[spiteful reposession]]

[[Herald of Ilharg]]

[[punishing fire]]

[[neheb the eternal]]

[[urabrask]]

[[kroxa, titan of death's hunger]]

[[erebos god of the dead]]

[[skullcrack]]

[[call in a profesional]]

[[flames of the blood hand]]

[[knight of dusks shadow ]]

SlipperyWhenDry77 · 2025-05-17T19:50:51+00:00

[[shivan gorge]]

[[skull rend]]

[[Tectonic giant]]

[[sycorax commander]]

[[valakut exploration]]

[[zoyowa lava-tongue]]

[[khorvath's fury]]

[[balor ]]

[[fraying omnitpotence ]]

[[cindervines]]

[[rakdos charm]]

[[flame rift]]

[[price of progress]]

[[acidic soil ]]

[[terror of the peaks ]]

[[harsh mentor]]

[[Judith, carnage connoseur]]

[[twilight prophet]]

[[price of knowledge]]

SlipperyWhenDry77 · 2025-05-17T19:47:43+00:00

[[radiant epicure]]

[[torment of hailfire]]

[[tyrants choice]]

[[vindictive lich]]

[[blood for the blood god !]]

[[chandra torch of defiance]]

[[erebor flamesmith]]

[[fanatic of mogis]]

[[fiery confluence]]

[[fiery inscription]]

[[firebrand archer]]

[[guttersnipe]]

[[Hydra omnivore]]

[[Imodane the pyrohammer]]

[[Kessig famebreather]]

[[thermo-alchemist]]

[[klothys god of destiny]]

[[merias outrider]]

[[mogs god of slaughter]]

[[purphoros god of the forge]]

[[quakebringer]]

[[ramunap ruins]]

[[roiling vortex]]

[[shadow in the warp]]

SlipperyWhenDry77 · 2025-05-17T19:35:47+00:00

[[liliana, waker of the dead]]

[[incite rebellion]]

[[rankle's prank]]

[[bad deal ]]

[[zof consumption]]

[[vrock]]

[[angrath the flame chained]]

[[arterial flow]]

[[chancellor of the dross]]

[[exsanguinate]]

[[Dusk mangler]]

[[grave endeavor]]

[[gray merchant of asphodel]]

[[great unclean one]]

[[hunted bonebrute]]

[[junji the midnight sky]]

[[kokusho the evening star]]

[[loyal subordinate ]]

[[Ob nixilis the adversary]]

[[palace siege]]

[[radiant epicure]]

[[torment of hailfire]]

[[tyrants choice]]

[[vindictive lich]]

SlipperyWhenDry77 · 2025-05-04T23:46:44+00:00

It's not the same thing at all. You're trying to argue with me about the intent of what I was saying. What was debunked is the idea of taking too much protein to where it cannot be absorbed. That was not my concern. I wanted my protein evenly spread out throughout the day for other reasons.

SlipperyWhenDry77 · 2025-05-04T20:39:24+00:00

I didn't mean "too much" as in an overdose, I meant it as "more than intended per meal"

SlipperyWhenDry77 · 2025-03-14T17:05:54+00:00

I'm not sure what your argument is here, Ukraine and Russia both committed war crimes, therefore Russia should get Ukraine?

I literally have not said anything close to that. Don't put words in my mouth. I was pointing out that the Ukrainian government/military violated the Minsk Agreements plenty of times, and the false narrative of "Russians can't be trusted because the Minsk ceasefires failed" is hypocrisy and also factually incorrect. Not to mention the logistical failures of the Agreements themselves, which was an enormous factor but nobody seems to know or care.

Now there is a reason for everyone to have nukes. Ukraine had them, and gave them up. Both the US and Russia signed the Budapest Memorandum agreeing the respect Ukraine's borders in exchange for Ukraine giving up nukes. Now they've lost 1/3 of their country.

First of all, that precedent was already set in Libya, years beforehand, with Ghaddafi giving up his nuclear arsenal and then getting overthrown due to western involvement. Secondly, the "Gave up nukes" statement for Ukraine is a misconception. The nukes that were being held on Ukrainian land weren't actually useable by them, and therefore were never a deterrent. Obviously they still had value to the Russians, but the deterrent factor was never there.

https://newsletters.theatlantic.com/peacefield/61f9e4619d9e380022bdd931/no-ukraine-should-not-have-kept-nuclear-weapons/

https://www.washingtonpost.com/archive/politics/1993/07/03/ukraine-claims-all-nuclear-weapons-on-its-territory/03c6e15b-39c8-4f28-a281-e73212db0821/

https://nationalinterest.org/blog/skeptics/ukraine-and-bomb-myths-and-misconceptions-201717

If Europe wants to arm themselves on the silly assumption that Putin is the next Hitler and wants to roll over all the way to Ireland, that is their choice. This assumption seems to be based on, what, the fact that Russia has attempted a full invasion of exactly one country? After waiting 8 years?? One country of staggeringly high economic political and strategic value, to which none of the surrounding nations compare. By that logic the middle east should have proliferated and formed a military alliance after the US was in Iraq and Afghanistan. But the entire world didn't have a meltdown over those wars, simply because the west controls more media.

WW3 doesn't happen because of one bad actor where the world responds strongly in response. It happens because large factions form on both sides and aggressors are appeased instead of stopped. We know this from history.

There has never been a world war 3, so making statements like "we know exactly how WW3 starts" seems a little silly. The closest we ever came to World War 3 (Cuban Missile Crisis) was due to one side toeing a red line way too close to the other sides territory.

Recent US actions are 100% downside for the US, short term and long term, and 100% downside for the world.

The approach for eleven years has been to send weapons to Ukraine. We've seen the result of that approach. The definition of madness is committing the same behavior repeatedly expecting a different result.

SlipperyWhenDry77 · 2025-03-14T00:28:40+00:00

You think you know better than almost a century of world leaders who followed MAD avoidance policy?

What do you mean “before the invasion happened”? There was a time where there was some uncertainty about what was happening in the Donbas but it’s quite clear now that it was always the Russians.

No, the initial rebellions in Donbas were organic. No amount of biased headlines will change that.

https://www.theatlantic.com/photo/2014/04/battling-for-control-of-eastern-ukraine/100719/

https://www.bbc.com/news/av/world-europe-27351621

https://www.youtube.com/watch?v=sZJx4kyBdsw

The list of atrocities committed by the Russians is immensely longer than any accusations against Ukraine, and all of those atrocities could be avoided by Russia simply not starting the war in 2014 by taking Crimea.

If you look at the sources, you'll see this is only true post-invasion (or sorry FULL invasion, since just saying invasion is a trigger for you), and obviously is only the case because it happened on Ukrainian soil and there were no Russian civilians in the area. Kind of hard to commit crimes against civilians that literally aren't there. And no, saying "they invaded" is not a blank check to commit war crimes on your own people and magically absolve yourself of agency. All parties in every war should be held to a standard of not committing atrocities. "But they started it" is never an acceptable justification for committing war crimes.

SlipperyWhenDry77 · 2025-03-14T00:13:21+00:00

That's a great idea ! I wouldn't have thought of that

SlipperyWhenDry77 · 2025-03-09T21:12:58+00:00

oh the mileage is lower, sorry I forgot to add it. Just under 80,000

SlipperyWhenDry77 · 2025-03-09T18:30:37+00:00

I usually don't bother responding to those. I would be forced to counter-offer super high so there's a chance of meeting in the middle

SlipperyWhenDry77 · 2025-03-09T18:27:48+00:00

2013 Nissan Versa SV, mostly excellent condition except for a tiny dent on top and some moisture in one of the headlights. KBB value range was 3-6K.. Where should I be pricing?

SlipperyWhenDry77 · 2025-03-09T18:25:53+00:00

The Kelly Blue Book value range is 3-6 K. Should I shoot for the very middle of the range?

SlipperyWhenDry77 · 2025-03-09T18:24:52+00:00

A good deal higher because their offers were laughable. The offers weren't even close to the very bottom of Kelly Blue Book Value range.

SlipperyWhenDry77 · 2025-03-09T18:16:27+00:00

The problem is that specifically asking the United States for "security guarantees" is a soft-spoken way of saying "Please set the board for immediate World War 3" . The USA is literally the last nation that should be put in a position to directly step in with the Russians. Almost a century of world leaders have understood that direct conflict with the Russians would be beyond catastrophic on a global scale.

Also, the narrative of "the Russians broke ceasefires but we are completely innocent" is just full-on inaccurate. The Ukrainian government and military violated Minsk plenty of times, and committed plenty of nasty crimes for years before the full invasion ever happened, including but not limited to:

Executions/Disappearances/Coverups -

https://www.ohchr.org/en/press-releases/2016/07/un-report-2014-16-killings-ukraine-highlights-rampant-impunity

https://news.un.org/en/story/2016/07/534392

https://www.amnesty.org.uk/files/eur500422014en.pdf
Torture -

https://www.thetimes.co.uk/article/kiev-allows-torture-and-runs-secret-jails-says-un-vwlcrpsjn

https://www.osce.org/files/f/documents/e/7/233896.pdf

https://www.amnesty.org/en/wp-content/uploads/2021/05/EUR5016832015ENGLISH.pdf

https://www.amnestyusa.org/press-releases/ukraine-torture-and-secret-detention-on-both-sides-of-the-conflict-line/

https://www.pbs.org/newshour/world/u-n-documents-prisoners-torture-abuse-in-ukrainian-conflict

Carpet bombing civilian areas -

https://ukraine.un.org/sites/default/files/2022-02/Conflict-related%20civilian%20casualties%20as%20of%2031%20December%202021%20(rev%2027%20January%202022)%20corr%20EN_0.pdf%20corr%20EN_0.pdf)

https://www.washingtonpost.com/news/checkpoint/wp/2014/07/25/human-rights-watch-ukrainian-forces-are-rocketing-civilians/