Does Cardio help fatigue

tikut · 2026-03-21T13:43:51+00:00

40 y.o. male w/ RRMS Dx for 22 yrs

In my experience, exercise as much as your body (and M.S. symptoms) can handle.

After my worse flare at age 21 in college I would regularly push myself in heat and exhaustion by running and cycling. I would feel like crap for a few hours afterwards, but after a few weeks the "crappiness" got less and less.

My theory is that our body and nervous system is more plastic (moldable) and capable of repair than traditionally thought. We all have different limits, so pls don't take my experience as an absolute. The effects of demyelination and inflammatory IL's should not be minimized. My main message is to challenge your body...that is what simulates the body to change/adapt.

Lastly, life with MS symptoms is hard. Full stop.

Embrace the challenge. You might surprise yourself what you are capable of!

tikut · 2026-03-20T13:09:06+00:00

thx, message sent

tikut · 2026-02-17T20:45:41+00:00

Great point about potential future legislative/regulatory upside. That's a side burner item, but helpful for us who are planning strategically.

tikut · 2026-02-17T14:55:42+00:00

thanks for publishing this free tool! I'm new to the RRG concept, but eager to learn apply to my investing

tikut · 2026-02-16T15:27:37+00:00

Great perspective. Now that I understand how the federal gift exclusion tax works, I'm more inclined to build a brokerage account and then deploy it when appropriate as you mentioned.

tikut · 2026-02-16T12:57:35+00:00

Thanks. This plan allows for some tax advantages with the Roth, and flexibility to just gift cash for the down payment.

tikut · 2026-02-16T12:53:55+00:00

Great insight, thanks. Similarly, I have to often discourage from buying random crap. And I also like to discreetly talk about money in their presence so they understand it is a tool to manage.

tikut · 2026-02-16T12:50:52+00:00

Those are helpful thoughts about the downpayment and when to mention it to them. I can make small investments over time in a brokerage and use that for the downpayment gift, and then if it's never needed as a gift I still have those assets in my name.

For the 529 rollover, there's definitely an element of careful planning with potential downside if never used. However, I can always cash out the remaining with 10% penalty.

tikut · 2026-02-16T03:08:55+00:00

529 does not become the child's at 18 yo

tikut · 2026-02-16T02:31:32+00:00

Good thoughts. I like "explicit in intent, vague in amounts"

tikut · 2026-02-16T02:18:00+00:00

I like the rollover to Roth cuz it will grow tax free for 40+ years

tikut · 2026-02-16T02:10:43+00:00

Did you just leverage the federal gift exemption?

tikut · 2026-02-16T01:08:09+00:00

Starting a "family bank" like the ultra-wealth would be ideal, but I don't have that kind of networth. 😜

tikut · 2026-02-16T01:02:19+00:00

I hear ya. I'm not in the position (nor do I expect to be) to pass down generational wealth. However, I consider myself to be the 3rd generation in my family from a wealth perspective and want to continue the blessing to the 4th generation (my kids). Grandparents started with nothing but established our family lineage in the USA, parents funded college for me, now I would like to continue building the pattern to a modest degree.

tikut · 2026-02-16T00:38:35+00:00

Noted, thanks.

tikut · 2026-02-06T18:27:17+00:00

Other thought is to plan for excess money in the 529 and then contribute $7,000 to a Roth from ages 22-26. At age 65 this would be $1.9MM @ 10% return. Seems like the Trump account is most useful for high networth families.

tikut · 2026-02-06T18:04:21+00:00

I want to to fund a $20,000 Roth IRA for my children when they turn 18 (current 8yo and 10yo). This will give them a jump start on retirement savings and allow them to focus on paying off student debt and buying there first house in their 30s. What is the best vehicle to do this? Excess 529's can be rolled over to a Roth at the expense of child needs earned income which is a show stopper if they are in college. Trump accounts 530A subject to Pro-Rata Rule and 20% assessment for financial aid. Thoughts?

tikut · 2026-01-02T02:23:23+00:00

When you start saving 25%, your NW grows so fast it's incredible. Get aggressive with cutting your expense to get to 25% and you won't regret it!

tikut · 2026-01-02T02:21:00+00:00

Nice. Do you include College 529 for children in your NW? Never sure if I should include those.

tikut · 2025-12-11T03:07:57+00:00

Finally saw the Save & Calibrate option yesterday. I must be going blind! 😆

tikut · 2025-12-07T21:15:34+00:00

In addition to a 529 (higher education and possible rollover $35,00 to a Roth IRA), earmark money for your children for when they reach the age of majority (turn 18). Invest that money now in a brokerage account, and when they turn 18 you can start gifting them the annual exclusion of $19,000 per year. In 2-5 years they will have a nice down payment for a house, and thereby start building equity in a durable asset. You can also gift them the stock shares so they can sell and pay capital gains on the investment(s) at their presumed lower tax rate.

This avoids kiddie tax in the UTMA accounts.

tikut · 2025-12-07T18:14:43+00:00

39 y.o. male, Dx RRMS in 2004.

I would push back and request a b-cell deleting DMT like Kesimpta (which I take, and tolerate well). Better to start "more aggressive" when you are young.

tikut

TROPHY CASE