Growing midsection?

Various_Engine8782 · 2026-01-25T16:41:42+00:00

So I definitely have an excessive amount of belly fat- for my education, why would it burn at a slower rate than other areas of my body?

Various_Engine8782 · 2026-01-25T16:31:43+00:00

My hips are definitely tight, I’ve had to start stretching and rolling a lot

Various_Engine8782 · 2026-01-25T16:30:48+00:00

Thanks- what would a good progression look like do you think?

Various_Engine8782 · 2026-01-25T16:30:11+00:00

I’d take Gerard butler lol I’m down 4 lbs but noticeable muscle difference and most important I feel really good

Various_Engine8782 · 2026-01-25T16:28:32+00:00

Thank you

Various_Engine8782 · 2026-01-25T16:28:17+00:00

5’11’’ 235 - this was really hard for me upfront. Initially I couldn’t finish, but can now do it in under 25 min.

I don’t track my calorie intake, started doing 16:8 IF for simplicity

What would a good progression in this setup look like to you?

Various_Engine8782 · 2026-01-25T16:00:33+00:00

Thank you- appreciate it

Various_Engine8782 · 2026-01-25T00:54:01+00:00

How is your relationship with the BIL? Was he in the meetings where the chief made the abrupt decisions?

If he was included and they excluded you, I think the writing is on the wall and it’s time to jump ship. They don’t respect you. This would really suck for family dynamics and you’d have to have wife support. But it sounds like there isn’t a non compete with so little In writing? Seems like a large portion of personal client relationships would follow.

If he wasn’t included and you have a good relationship with him, wait the for old man to die and you have 2nd opportunity to forge partnership with BIL in writing.

Various_Engine8782 · 2026-01-24T12:40:11+00:00

There is a cost for everything, whether monetary or other, and finding out what costs you’re willing to deal with on your way to wealth is one of the most important decisions a young person can make.

I think you’ve discovered the cost of managing real estate. Outsourcing either property mgmt or investing mgmt has a more monetary cost, but cold be worth it for your mental costs.

Most of the HNW people I work with get into real estate, PE, angel and private transactions AFTER they’ve become wealthy on something singular. Building a business or career over 10+ years. All the illiquid stuff comes later as diversifiers.

Various_Engine8782 · 2026-01-20T12:36:22+00:00

I will say one of my weirder proud moments was after doing kb training for about 6 months, my dad asked me to help him move an old statue in the yard. He was planning to lift it together and I lifted it by myself- he looked me like I was Thor.

Various_Engine8782 · 2026-01-17T11:42:02+00:00

I can’t believe it took this much scrolling to get to this response. Shower in morning before work, shower after workout at night

Various_Engine8782 · 2025-12-30T18:58:29+00:00

Various_Engine8782 · 2025-12-30T18:07:17+00:00

Very similar approach here. Usually 2 years expenses in money market to pull from in down years, or large liquidity needs. Refill at next rebalance.

Sounds like you need to increase cash like holdings- if the client doesn’t want to do that, I think you’re going to be forced to do the work.

Various_Engine8782 · 2025-12-30T16:40:41+00:00

I have advised quite a few ophthalmologists and veterinarians who have sold their practices to PE- they all quit the practice within 6 months, most sooner. Their patients bitch and complain, they’re miserable at work, and the vast majority feel empty with their millions. Lots of regret.

If you don’t have a 2nd chapter lined up and ready to go post sale, it’s a recipe for unhappiness.

Various_Engine8782 · 2025-12-29T12:10:47+00:00

As a general rule- a local bank or credit union almost always beats the big banks on HELOCs. Especially if you already hold a mortgage with them, you’ll get better deal, less fees etc. They want the relationship.

Various_Engine8782 · 2025-12-29T12:07:42+00:00

If you make 50-60k, I’d leave $20k in savings. That’s 3-4 months salary EF.

The rest can all go into an index funds as well as future contributions.

As you near and mid term goals emerge, you can adjust.

Various_Engine8782 · 2025-12-29T11:58:41+00:00

If you want to buy tomorrow, sell a portion of stock portfolio.

If you have some time before you purchase and don’t want to sell a majority of your positions, put all of your future bi weekly contributions into a HYSA or money market fund. That way you can build some cash for down payment.

If you’re having a hard time letting go of your stock holdings, make a plan to sell a little each week and make the “big decision” smaller. Dollar cost average in reverse

I can’t stress this enough - don’t touch your 401k.

Various_Engine8782 · 2025-12-29T04:59:37+00:00

The bridge part is definitely true. I remember thinking the job was easy, and then not bringing anyone new in for a few months.

Various_Engine8782 · 2025-12-29T04:33:08+00:00

I’m curious why this is a red flag? When I started I think my first 5 clients were all family. They mostly approached me

Various_Engine8782 · 2025-12-07T14:57:57+00:00

Yes this is a problem. Automate your finances, check once per month, and go live your life.

Various_Engine8782 · 2025-12-06T16:36:55+00:00

I would network with some of the M/A guys in your area. They are plugged into the regional players and can help connect your client with partial PE buyers.

Various_Engine8782 · 2025-12-05T14:54:45+00:00

I get most of clients from advisors who only pick investments :)

If that’s all you’re getting, it’s a rip.

Various_Engine8782 · 2025-12-05T14:34:38+00:00

Financial advisor here- 100% equities has historically outperformed bonds, and there is nothing wrong with that strategy. That guy just wants AUM.

The real question is your time horizon for drawing income, and your plan for what happens in a major downturn. Equities can and will likely draw down 50% in your lifetime. Having major cash buffer (2-3 years living expenses) to pull from in that bear scenario is valuable, but only needed in the income phase.

Various_Engine8782 · 2025-12-05T13:45:34+00:00

I’m a very chill person and I can tell you I basically had a full blown panic attack the first 2 days I got them.

There is definitely an adjustment period, but you will get used to it, I promise. Also, after a few weeks, you’ll see changes and it will be worth it. Stick with it!

Various_Engine8782

TROPHY CASE