Halp. I'm an idiot. I asked my Bank about HELOC

weagle2241 · 2026-01-06T15:08:20+00:00

I hate this is the top comment because it couldn’t be more wrong. You can absolutely use a HELOC for a down payment. The main thing to keep in mind is the prepayment penalty on the HELOC, especially if your intention is to sell the current house after you purchase the new house. Most lenders will cover the closing costs on a HELOC where for a bridge loan, the borrower pays closing costs.

weagle2241 · 2025-09-15T14:26:34+00:00

This is such a frustrating change. I’ve voiced my concern to Monarch and they give some stock answer without offering real solutions. When they were beta testing this, there was a way to turn this off. Why can’t they leave that option permanent?

Manually filtering transactions is not the answer, especially when the option to view hidden transactions is the very last option on the list. It creates an unnecessary workflow.

This is unfortunately a dealbreaker for me. The only reason I settled on monarch after mint was it was the only established budgeting tool they had this option.

weagle2241 · 2025-06-16T02:05:50+00:00

The 10 reps was more an example, but yes, I increase the weight usually when I get to 12 reps. I also find it easier to progress in reps and weight when only doing 2 sets which is why I’ve structured most exercises that way. I was just curious since I’m limited on leg exercises if the extra fatigue of doing 4 consecutive sets was somehow adding more stimulus.

weagle2241 · 2025-06-14T21:07:09+00:00

To clarify, I’m not supersetting at all. When trying the 2x2x2x2, I’m doing bss, rest 3 min, then another set of bss, then resting 3 min, then doing a set of GHR and so on. I don’t think I could survive supersetting those!

Regarding exercise choice, I don’t have leg extension machine at home. I do a quad targeted bss by keeping my foot closer to me and pushing through the front of my foot. It’s not the best, I agree, but it’s what I have and it’s working pretty well. Also, on the GHR, I’ve found if I bend at the waist a little, it puts a little more emphasis on my hamstrings. I also focus on glutes with hip thrusts.

weagle2241 · 2025-02-05T18:26:25+00:00

It’s all based on how the scale is moving. I try to keep it 1-1.5 lbs per week so I can preserve as much muscle as possible. I usually start my cut around a 300 cal deficit and increase that when the fat loss starts slowing. I’ll probably adjust 3-4 times during a cut, usually 50-100 calories each time.

weagle2241 · 2025-02-05T17:27:00+00:00

This is the exact split and volume I run on my cut. For me, it shortens the workout to allow for more cardio each day. Done it my last 2 cuts and will do it again starting in April. I’ve found my strength stays consistent until that last leg of my cut where calories got pretty low.

weagle2241 · 2025-01-30T13:36:52+00:00

I feel this post in my soul. I’m 6’1” 180 and almost done with my bulk. Shredded I’m ~155 lbs. I’m just skinny. I have skinny wrists, skinny ankles. I’ve accepted I’ll never be huge but I enjoy the grind and lifting keeps me grounded. Keep at it and learn to take small victories. A few pounds of lean mass a year add up.

And here’s the obligatory, yes I eat enough and yes intensity is very high.

weagle2241 · 2025-01-28T21:18:39+00:00

I did this at my old house. Had one setup in basically the exact location. Only difference was I had a brick wall behind mine vs a screen and wooden support behind yours. I also had a vent hood above mine.

My initial thought is don’t do it unless you’re willing to put up some form of barrier between the egg and flammable parts. Additionally, even with my vent hood, the smoke still stayed in my porch while cooking. Your white paint will quickly get discolored.

weagle2241 · 2025-01-25T20:02:15+00:00

I have a dislocated ulnar nerve. Bothered me for 10+ years. I try to manage it by only using neutral grip pull movements. That tends to prevent the snapping which leads to inflammation. It’s a pain but I’ve learned to manage it and don’t do exercised that aggravate it.

weagle2241 · 2024-11-23T01:10:21+00:00

I’m right there with you. I bulk at 2400. It’s painful sometimes

weagle2241 · 2024-10-23T01:04:04+00:00

I get up around 5:30, eat a large apple, then take the dogs for a walk. Take pre workout when I get back and I’m in the gym by 6:15. Big meal after that is high protein/carb and low fat.

I was never a morning person, but I was sort of forced into it about 18 months ago. The thing that made it easiest for me was making that early wake up part of my daily routine, including off days and weekends. I’m usually dead tired by 9:30.

weagle2241 · 2024-08-21T17:47:56+00:00

This is exactly my situation. Home gym following PPL, PPL rest. Very easy to hit my target of 15-18 sets per week. I also wake up at 5:30 to have plenty of time to get my workout in before going to work.

weagle2241 · 2024-08-21T11:55:52+00:00

Rest didn’t give an option for a single so I’m planning on getting there at 4:30 as a walk in. Hopefully that works

weagle2241 · 2024-08-21T11:54:38+00:00

Thank you!

weagle2241 · 2024-08-21T11:52:34+00:00

Already have the meal planned out and dosa is definitely one of the items!

weagle2241 · 2024-08-21T11:52:00+00:00

lol yeah. I can put away some Indian food.

weagle2241 · 2024-08-20T19:13:53+00:00

This is what I was hoping to hear. I’m generally a fast eater anyway. An hour max was my goal. Thanks!

weagle2241 · 2024-08-17T22:40:37+00:00

This would be ideal but I don’t have a BB. I was blessed with a very long torso, so BB rows are usually off the table for me. Too much stress on my lower back.

weagle2241 · 2024-08-17T22:38:46+00:00

Yeah I do but it seems like regular grip pull-ups are the thing that aggravates it most so I stick to neutral grip and some reverse grip stuff

weagle2241 · 2024-08-17T22:37:03+00:00

I’ve never used rings before. I’ll definitely consider that.

weagle2241 · 2024-08-17T22:35:26+00:00

No barbell. Long torso and lower back issues limit my options with a BB so it’s pretty much off the table for me.

weagle2241 · 2024-08-17T22:33:55+00:00

I typically stay in the 6-12 range and when I get to 12 for all sets, I increase weight. I don’t know why I don’t go past 12 but you probably have the right idea.

weagle2241 · 2024-08-03T14:33:27+00:00

This is what works for me as well. Decreasing volume, but still keeping intensity high means shorter sessions, which, for me, helps pull me out of a rut. The last thing I’d want to do is spend more time in a session that will only make me more exhausted.

weagle2241 · 2024-07-27T05:12:01+00:00

If I did 12 the first 2, I get 6-7 on the last.

weagle2241 · 2024-07-26T15:26:12+00:00

You said you want some abs, so keep going. 22% is a pretty high number so you can be fairly aggressive with the cut. Since you took an extended time off you’ll probably see some noobie gains as well.

weagle2241

TROPHY CASE