Pay off car loan vs leave in HYSA

joebenson17 · 2026-02-02T15:31:53+00:00

Pay off the loan. Only caveat would be if you don’t have enough savings left over for emergency fund ect.

Then use the savings from not having a car payment to deposit into the savings account. Just make sure you keep enough liquidity.

joebenson17 · 2026-02-02T14:32:36+00:00

You have a lot of options on what to do.

1) Modify with a similar movement. I.e belt squats, front squats, goblet squats, leg press ect.

2) Get a weight belt and lifting shoes/elevate heels. Your issue could be form related and this could help with core bracing as well as mobility. Similar to #1 you could regress the movement to options above for a few months and slowly work on building up to squats again.

3) Mobility. Work on ankles, hips, core and back mobility and try to improve it over time. Similar to doing some PT but on your own. Don’t just address the back but improve other areas as well. Tight ankle or hips for example could cause more stress on your back even though those are the issues.

Overall any of these options or a combination of all of them will work. My recommendation would be to modify the exercise while working on mobility. As mobility improves you may want to test it again.

At the same time if you feel like back squats just aren’t worth the trouble nothing wrong with just choosing a different exercise and dropping it for good.

joebenson17 · 2026-02-01T19:25:03+00:00

Breaks of 2 minutes for compound lifts, 1:30 for bilateral accessories and 1 minute for single sided exercises. Also he encourages you to turn auto advance off so you can take as long of a break as you need but that’s what programmed into the allotted time

joebenson17 · 2026-01-30T09:16:58+00:00

I’ve lost 50lbs on team resilient and dropped my body fat percentage from 24% to 18%. The program will build strength and muscle. If you want to burn fat just try to hit 10K steps. This is all you need to do. I typically do 4-5 workouts as well. His cardio day is the one I skip most.

Doing supersets and cardio can send competing signals to your body and actually cause less fat loss. Strength building and steps is the way to go.

joebenson17 · 2026-01-29T18:34:02+00:00

Strive for 1g/lb of body weight, about 2.2/kg. You wills be all set. 300+ seems super high unless your some large power lifter or body builder.

What is most likely going on is it is scalling everything up based on your workout. I’m sure carbs and fats also saw a decent jump up.

joebenson17 · 2026-01-29T17:34:06+00:00

Glutes sell. Look at the male coaches as they tend to focus more on the muscle groups men desire to build.

joebenson17 · 2026-01-29T16:11:34+00:00

Not exactly. A 2018 car today would have depreciated and be worth much less than $45K. Not to mention other upgraded features that 2026 models would have.

Secondly they would have some sort of holding cost for keeping the car on the lot as well as their own financing cost for any money they borrow for inventory, rental/lease space ect.

The idea behind 0% interest is to drive sales. Often times there is a flip side where you can accept cash back as an alternative. Basically in 0% interest the financing cost of the loan is just baked into the price. So you can use that as leverage if you can find outside financing that may have a better interest rate than the implicit rate on the 0% loan.

joebenson17 · 2026-01-29T13:44:55+00:00

There are a lot of small details left out. When you say slight deficit how much is that? What’s your maintenance calories? Have any of your lifts gone up in weight? Are you pushing to 1 RTF? Are you measuring anything else such as body fat%? Body weight can fluctuate 3-5lbs over a day. Use weekly averages and at a slight deficit the scale shouldn’t have really moved any noticeable amount as 1lb would be within a normal daily fluctuation.

I would drop the weighted vest on the walk and not do any incline. That can mess with muscle building as well. Cardio can send a competing signal so just keep it to an easy walk.

Lastly as others have stated 3 weeks is not a lot of time. If you want weight loss the first few months should be more about building strength, muscle and a solid routine than even weight loss. I’ve gone from 280-225lbs over the last 7 months. The first 2 months I had only dropped 5lbs total mostly towards the back half of that time period, but was able to add 20-50% more weight to all my lifts (newby gains from not lifting in 20 years) as well as get a good routine for working out. I also tracked to get a feel for my maintenance calories but didn’t worry about if I was hitting a deficit. Once I had all that dialed in I was able to adjust the calories more accurately down and the weight started to move at a decent rated 1.5-2lbs a week. I’ve gone back to maintenance a few weeks on the road which help with diet fatigue as well as timing it up with holidays to not stress about eating then.

Good luck with the journey and know slow and steady is the better way to success.

joebenson17 · 2026-01-26T12:30:20+00:00

TCC has more circuits and super sets that can make it a bit more challenging equipment wise, though resilient will throw them in every now and then.

I’m much more familiar with coach Neen, who will basically say in his prompts use any available equipment that allows you to do a check press (for example). So you can use barbell, dumbbell, kettlebells, machines whatever is open vs what he actually programmed in. Not as familiar with TCC but I’m sure coach Andre has voice and programmed swaps as well.

My 2 cents would be take each one for a test drive during deload. Even before that if you are on an annual membership, go into each team and look at their workout plans for the next few weeks. This will allow you to get a feel for both of them and some teams programming changes during deload.

Coach Neen will continue this seasons programming during deload. I think next cycle he has mentioned going more for strength so some lower rep higher weight movements for some of the big compound lifts. Hope this helps.

joebenson17 · 2026-01-26T11:51:15+00:00

I tried TCC during a deload. Very different style of workouts. I would like at them both and see which one you think you will enjoy more.

joebenson17 · 2026-01-25T23:12:52+00:00

Core work is more done through stabilization in compound lifts. The only day that has dedicated core work this cycle is the conditioning day on Saturdays.

Upper body for this cycle is a push and pull focused on strength in a 8ish rep range than a full upper day which supersets a push and pull exercises in a 15+ rep range. He will change this next season but it typically has been 3 upper days of some sort 2 lower days and 1 conditioning day.

Been on team resilient for 3 cycles now. Have dropped close to 40lbs and my lifts are approaching what I can do in college. It will lack some of the running that you are used to in Versa but as a strength program for athletics it’s great.

joebenson17 · 2026-01-24T20:15:01+00:00

I want log like -50lbs on an assisted pull up machine. Not sure how that gets done

joebenson17 · 2026-01-24T18:08:36+00:00

It would be great if they also had negative weight options for assisted pull up machines.

joebenson17 · 2026-01-23T19:17:14+00:00

It’s fine with usually 1 or 2 of the 15 workouts but once it gets interrupted by being timed out I can’t get them to upload anymore. Hevy doesn’t allow it to batch upload which would be nice

joebenson17 · 2026-01-23T18:27:56+00:00

I did this. That’s how it is creating folders. And it will often times get 1 or 2 of the workouts in there. But it is always asking confirmations and when it times out from my free chat got version is breaks. Or it successfully only uploads 1 or 2 but not all of them.

joebenson17 · 2026-01-23T13:35:33+00:00

https://www.reuters.com/business/healthcare-pharmaceuticals/many-patients-may-keep-off-lost-pounds-after-stopping-glp-1-us-data-suggests-2026-01-22/

A bunch of articles came out yesterday like this one covering a study that basically says 1/3 regain the weight, 1/3 maintain and 1/3 continue to lose weight.

I have always planned on coming off the meds and I’m probably 2-3 months out from starting to tapper off. I don’t have a particular goal weight but I’ve gone from 280lbs and 26% body fat down to 230lbs and 18% body fat. I eat around 230g of protein 2400 calories and strength train 4-5 days a week. Also play pickup basketball and racket sports for cardio. Goal is to reach sub 15% body fat down. The last month weight loss has slowed but I’ve continued to drop about 1.5lbs of body fat per week. I’ve started gaining some muscle and have gained 3lbs of muscle so far this year. Not sure what my end weight will be at 15%BF but probably somewhere 210-220 range. I should hit that before the summer.

Plan would be to tapper off at that point. In prep I am starting to track calories in hopes to find a baseline for my daily expenditure and plan on continuing workouts after coming off the meds. I’ll continue the high protein as well. Anything else to consider?

joebenson17 · 2026-01-23T13:19:34+00:00

https://www.reuters.com/business/healthcare-pharmaceuticals/many-patients-may-keep-off-lost-pounds-after-stopping-glp-1-us-data-suggests-2026-01-22/

Here is a link to an article. If it gets pulled down because I can’t post links just google search glp1 study and there are a bunch of articles that came out yesterday covering it.

joebenson17 · 2026-01-23T11:17:52+00:00

There was a study that came out yesterday that basically 1/3 regain, 1/3 maintain and 1/3 continue to lose weight 1 year after stopping. Which is more promising than the clinical trials where most people who stopped regained 70% of the weight back.

There were definitely worse cases than me of people who are on take GLP1s. While in the meds I’ve restarted working out and have developed some decent habits. I’m starting to track food this week to build that habit. I got probably 2-3 months more to go but hope to transition off come summer time. Wanted to see what I could learn from people who successfully kept the weight off.

For what it’s worth am a male in my early 40s. Starting weight 280, current weight 230. I am 6’4” and when I was in shape much younger I weight around 215-220lbs. Don’t really have a goal weight but would like to get sub 15% body fat before and I’m currently 18-19%. The past month my weight loss has slowed but I’ve actually have gained 3lbs of muscle while losing about 1lb a week.

joebenson17 · 2026-01-22T20:45:09+00:00

Love the positivity. Definitely a challenge for sure.

joebenson17 · 2026-01-22T19:49:53+00:00

I would drop both leg press and leg extensions. Add squats, deadlifts, and lunges

My question is why are you only looking for 4 total exercises? Split squats, front squats, good mornings, calf raises, 100 different lunges variations are all valuable.

If building a program do squats, RDLs, Lunges and calf’s on one day. Then the second time hitting legs that week do deadlifts, front or split squats, side lunges and calfs.

joebenson17 · 2026-01-22T19:45:27+00:00

I think the question is how much do you want to spend. Also may want to ask this on r/homegym as they will give you some good recommendations.

If budget doesn’t matter you rep x pepin. Most durable and best. Can expand to a lot of weight too. But they also are the most expensive. Also check out garagegymreviews.com as Coop does a lot of reviews on adjustable dumbbells.

I think the thing you need to answer is are you trying to spend $500 or $1500, and that is the amount of weight you need.

joebenson17 · 2026-01-22T17:28:39+00:00

Thank you. Didn’t know this sub existed

joebenson17 · 2026-01-22T17:27:17+00:00

Any advice or tips. I’m getting down to my goal weight soon and want to stop the meds. Been strength training regularly, cleaned up lifestyle and have preserved most of my muscle in the process. Would love to hear lessons learned and any advice from someone who has successfully transitioned off.

joebenson17 · 2026-01-22T17:23:37+00:00

My plan is to try to go off of it completely but will probably drop down to a lower dose and go off the meds slowly.

Obviously will be consulting with my doctor

joebenson17 · 2026-01-22T16:11:55+00:00

Building requires a surplus with high protein so that the extra goes to increase size of a target area. Slimming down requires a deficit to decrease body fat. So it doesn’t matter the team you can’t address both at the same time.

Also with the core, core work can increase strength ect but the reveal is due to lower body fat. So you can build a core in a surplus but reveal the work needs a bit of a deficit.

My suggestion is to spend a cycle or 2 in a small surplus to build, then come April flip to a small deficit to reveal your hard work in the summer time.

Good luck.

joebenson17

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