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22
Hircus
2022 Jun 5, 8:52pm
Hircus
2022 Jun 5, 8:52pm
mell says
I did keto for years (this was back in the atkins era, and "the anabolic diet" variant was popular back then too). I have to say ultra low carb/keto gave me much better long term endurance/energy, but I was more of a bodybuilder who sometimes went on long hikes or played the occasional sport like tennis for a few hours now and then. But I was very active. When my diet consists of normal levels of carbs, say > 100 or 200g per day, I find I need to periodically eat to refuel or I run out of energy, with my energy feeling like it fell off a sudden cliff. But on keto I just dont seem to run out of energy, although fatigue still happens. I always assumed this was because my body was accustomed to burning fat for energy on keto, and so it became much more efficient and was able to convert enough fat to meet my sustained energy needs without having to eat.
I've heard some athletes (usually competitive or those who really push it) say they cant perform at the level they need to w/ keto, and so they prefer high carb diets. I will say I was maybe 5% or so stronger on carbs, and the effect of the additional muscle glycogen on a carb diet was visible, and I often noticed 5-10lbs gain when switching from keto back to carbs, with the majority of the weight gain appearing intramuscular due to the more constant muscle glycogen pump. Keto usually made my muscles look a bit flatter/deflated.
So ya I would agree carbs provide superior peak energy for intense exercise. But for sustained moderate energy, IME keto worked excellent. Not needing to eat so often was the benefit I never knew I liked until I experienced it.
If you exercise a lot you want to make sure you get enough carbs. If you're just an occasional exerciser and don't need much fuel you can do (very) low carb. I don't think you need to be low carb to be healthy, just avoid excessive sugar. But if you need to lose weight low carb is the best way to go imo
I did keto for years (this was back in the atkins era, and "the anabolic diet" variant was popular back then too). I have to say ultra low carb/keto gave me much better long term endurance/energy, but I was more of a bodybuilder who sometimes went on long hikes or played the occasional sport like tennis for a few hours now and then. But I was very active. When my diet consists of normal levels of carbs, say > 100 or 200g per day, I find I need to periodically eat to refuel or I run out of energy, with my energy feeling like it fell off a sudden cliff. But on keto I just dont seem to run out of energy, although fatigue still happens. I always assumed this was because my body was accustomed to burning fat for energy on keto, and so it became much more efficient and was able to convert enough fat to meet my sustained energy needs without having to eat.
I've heard some athletes (usually competitive or those who really push it) say they cant perform at the level they need to w/ keto, and so they prefer high carb diets. I will say I was maybe 5% or so stronger on carbs, and the effect of the additional muscle glycogen on a carb diet was visible, and I often noticed 5-10lbs gain when switching from keto back to carbs, with the majority of the weight gain appearing intramuscular due to the more constant muscle glycogen pump. Keto usually made my muscles look a bit flatter/deflated.
So ya I would agree carbs provide superior peak energy for intense exercise. But for sustained moderate energy, IME keto worked excellent. Not needing to eat so often was the benefit I never knew I liked until I experienced it.
23
clambo
2022 Jun 5, 10:09pm
I know about two annuities; variable annuity and fixed immediate annuity.
The CIAA-Cref has them, mine is from Vanguard but no longer sold. Fidelity probably has them, maybe T. Rowe Price too.
The variable annuity is like a non-deductible IRA with no limit.
It has sub accounts which are like mutual funds. You can put a million bucks in it, it produces no 1099 while it is in the accumulation phase.
You can change the allocation in it without a tax consequence, like an IRA.
The fixed income annuity is to provide guaranteed income for life. The advantage is they pay a good rate for you at age 70, like 7.5%.
What is a little confusing is you can exchange the variable annuity for a fixed annuity, and you can exchange an IRA for one also.
You can also take the variable annuity out as a lump sum rather than lifetime payments.
Edit: There’s no Required Minimum Distribution for a Variable Annuity, the “annuity date” can be age 99.
I guess if I live to 100 they will make me 1. Take a 100% lump sum OR 2. Take lifetime payments 😉
The IRS doesn’t know that you own it until you take money out.
The CIAA-Cref has them, mine is from Vanguard but no longer sold. Fidelity probably has them, maybe T. Rowe Price too.
The variable annuity is like a non-deductible IRA with no limit.
It has sub accounts which are like mutual funds. You can put a million bucks in it, it produces no 1099 while it is in the accumulation phase.
You can change the allocation in it without a tax consequence, like an IRA.
The fixed income annuity is to provide guaranteed income for life. The advantage is they pay a good rate for you at age 70, like 7.5%.
What is a little confusing is you can exchange the variable annuity for a fixed annuity, and you can exchange an IRA for one also.
You can also take the variable annuity out as a lump sum rather than lifetime payments.
Edit: There’s no Required Minimum Distribution for a Variable Annuity, the “annuity date” can be age 99.
I guess if I live to 100 they will make me 1. Take a 100% lump sum OR 2. Take lifetime payments 😉
The IRS doesn’t know that you own it until you take money out.
24
zzyzzx
2023 Jul 3, 5:42am
zzyzzx
2023 Jul 3, 5:42am
https://finance.yahoo.com/news/americans-magic-number-retirement-rises-110008361.html
Americans' Magic Number for Retirement Rises to $1.27 Million
Americans' Magic Number for Retirement Rises to $1.27 Million
25
stereotomy
2023 Jul 3, 7:37am
stereotomy
2023 Jul 3, 7:37am
Hircus says
From what I've read about intermittent fasting, even if you cut out carbs and go OMAD (one meal a day), for the first several weeks or months, you still experience insulin spikes. The body remembers, and it's addicted to the glucose dumps from massive carbs. Over time, as the expected glucose dumps don't occur, the insulin spikes reduce and eventually fade out.
My diet used to be 50 - 70% carbs. I had to cut out carbs and sugary junk for almost 5 years (I've related this elsewhere on PatNet). I learned to substitute fats for carbs, since you can only eat so much protein. Later, as I got older, I started eating 2 meals a day, until now I'm OMAD. In my carb gobbling days, I would get hangry from blood sugar swings. Now I can fast up to 48 hours as long as I'm not busting my ass with physical activity. I tend to get slow after about 36 hours.
Oddly, a long time ago I looked through a list of foods in an insulin study and steak/meat triggered a very high insulin response, which I didnt expect. It's not just carbs that do it.
From what I've read about intermittent fasting, even if you cut out carbs and go OMAD (one meal a day), for the first several weeks or months, you still experience insulin spikes. The body remembers, and it's addicted to the glucose dumps from massive carbs. Over time, as the expected glucose dumps don't occur, the insulin spikes reduce and eventually fade out.
My diet used to be 50 - 70% carbs. I had to cut out carbs and sugary junk for almost 5 years (I've related this elsewhere on PatNet). I learned to substitute fats for carbs, since you can only eat so much protein. Later, as I got older, I started eating 2 meals a day, until now I'm OMAD. In my carb gobbling days, I would get hangry from blood sugar swings. Now I can fast up to 48 hours as long as I'm not busting my ass with physical activity. I tend to get slow after about 36 hours.
26
GreaterNYCDude
2023 Jul 3, 7:47am
zzyzzx says
From the article:
High-net-worth individuals – those with more than $1 million in investable assets – believe they'll need $3 million to retire comfortably.
Sounds about right.... with $3 mill I can live on the interest / dividends and rarely if ever have to touch the principal.
https://finance.yahoo.com/news/americans-magic-number-retirement-rises-110008361.html
Americans' Magic Number for Retirement Rises to $1.27 Million
From the article:
High-net-worth individuals – those with more than $1 million in investable assets – believe they'll need $3 million to retire comfortably.
Sounds about right.... with $3 mill I can live on the interest / dividends and rarely if ever have to touch the principal.
27
Onvacation
2023 Jul 3, 11:20am
Onvacation
2023 Jul 3, 11:20am
WookieMan says
You do know the "but" negates the first part of your sentence, don't you?
No intention of being a dick, but
You do know the "but" negates the first part of your sentence, don't you?
28
Ceffer
2023 Jul 3, 11:26am
Ceffer
2023 Jul 3, 11:26am
GreaterNYCDude says
Well, supposedly with absolute economy, you would be spending down the principle as well against some hypothetical projected life span, possibly even dying with a marginal negative net worth for the sibs to fight over and come up with squat. However, that would require a talented psychic to accomplish.
Sounds about right.... with $3 mill I can live on the interest / dividends and rarely if ever have to touch the principal.
Well, supposedly with absolute economy, you would be spending down the principle as well against some hypothetical projected life span, possibly even dying with a marginal negative net worth for the sibs to fight over and come up with squat. However, that would require a talented psychic to accomplish.
29
Eric Holder
2023 Jul 3, 12:41pm
Eric Holder
2023 Jul 3, 12:41pm
Hircus says
Except this time bonds crashed along with stocks.
What works better to mitigate those scenarios - increasing bond/fixed income allocation
Except this time bonds crashed along with stocks.
30
clambo
2023 Jul 3, 12:46pm
3 million bucks is surely enough for 30-40 years of living off the money, especially assuming social security.
There are funds which pay high dividends so you're not going to deplete your capital.
I planned for no inheritance and therefore have a safety margin; a roll of the dice with AAPL was more frosting on the cake.
I expect more capital appreciation in stocks for the next 10 years; by that time I will be lazy and probably spending even less.
What scared me is how suddenly your health can change over age 65. I see it all around me.
I would buy more time if the devil would sell me some, like a Twilight Zone episode.
There are funds which pay high dividends so you're not going to deplete your capital.
I planned for no inheritance and therefore have a safety margin; a roll of the dice with AAPL was more frosting on the cake.
I expect more capital appreciation in stocks for the next 10 years; by that time I will be lazy and probably spending even less.
What scared me is how suddenly your health can change over age 65. I see it all around me.
I would buy more time if the devil would sell me some, like a Twilight Zone episode.
31
Booger
2023 Jul 3, 2:19pm
Booger
2023 Jul 3, 2:19pm
Eric Holder says
Which is why you always hold bonds to maturity.
Except this time bonds crashed along with stocks.
Which is why you always hold bonds to maturity.
32
Eric Holder
2023 Jul 3, 2:56pm
Eric Holder
2023 Jul 3, 2:56pm
Booger says
... or hold stocks until they recover? Nice if you can, nasty if you can't.
Eric Holder says
Except this time bonds crashed along with stocks.
Which is why you always hold bonds to maturity.
... or hold stocks until they recover? Nice if you can, nasty if you can't.
33
clambo
2023 Jul 3, 3:45pm
I have a bond fund and its purpose is extra monthly income.
So, if the NAV falls (from rising interest rates) I'm not annoyed because I'm holding it forever.
I'm still about 90% stocks.
So, if the NAV falls (from rising interest rates) I'm not annoyed because I'm holding it forever.
I'm still about 90% stocks.
34
socal2
2023 Jul 3, 3:58pm
stereotomy says
I go at least 18-20 hours each day fasting and feel great. I've been doing this fasting routine for about 4 years now and can't imagine going back to 3 meals a day. I still eat a fair amount of carbs though......chips, pretzels, pizza, IPA's.
The weight loss is great, but fasting also provides so many other health and longevity benefits.
I'd like to try a longer 36+ hour fast sometime this year to get some "autophagy" going!
Later, as I got older, I started eating 2 meals a day, until now I'm OMAD.
I go at least 18-20 hours each day fasting and feel great. I've been doing this fasting routine for about 4 years now and can't imagine going back to 3 meals a day. I still eat a fair amount of carbs though......chips, pretzels, pizza, IPA's.
The weight loss is great, but fasting also provides so many other health and longevity benefits.
I'd like to try a longer 36+ hour fast sometime this year to get some "autophagy" going!
35
SunnyvaleCA
2023 Jul 3, 10:41pm
clambo says
Dividends suck. If it weren't for dividends I'd qualify for subsidized Obamacare, food stamps, reduced electricity prices, etc. I might even get back 1/10 of what I paid in!
3 million bucks is surely enough for 30-40 years of living off the money, especially assuming social security.
There are funds which pay high dividends so you're not going to deplete your capital.
Dividends suck. If it weren't for dividends I'd qualify for subsidized Obamacare, food stamps, reduced electricity prices, etc. I might even get back 1/10 of what I paid in!
36
Patrick
2023 Jul 3, 11:08pm
Patrick
2023 Jul 3, 11:08pm
Eric Holder says
"The market can remain irrational longer than you can remain solvent."
... or hold stocks until they recover? Nice if you can, nasty if you can't.
"The market can remain irrational longer than you can remain solvent."
37
zzyzzx
2023 Jul 11, 8:22am
zzyzzx
2023 Jul 11, 8:22am
https://qz.com/2169395/all-the-reasons-why-so-many-near-retirees-are-going-back-to-work
All the reasons why so many near-retirees are going back to work
Millions of older Americans retired early, before age 65, during the pandemic, but now, to most economists’ surprise, they’ve boomeranged back into the workforce faster than other age groups.
An estimated 1.5 million of those would-be retirees are back to work according to US Bureau of Labor Statistics data. The workforce participation rate for people aged 55 to 64 has returned to its pre-pandemic level. (People age 65 and older have not returned at the same rate.)
Certainly, older workers have responded to the sudden rebound in demand within the labor market—a rebound that came about because of government stimulus efforts, he continues. But in the chart below, the v-shaped labor force recovery for 55-to 64-year-olds obscures the possibility that, if the pandemic hadn’t happened, there would likely be even more older adults working today, says Davis.
Article fails to mention jab mandates and their affect on the labor market.
All the reasons why so many near-retirees are going back to work
Millions of older Americans retired early, before age 65, during the pandemic, but now, to most economists’ surprise, they’ve boomeranged back into the workforce faster than other age groups.
An estimated 1.5 million of those would-be retirees are back to work according to US Bureau of Labor Statistics data. The workforce participation rate for people aged 55 to 64 has returned to its pre-pandemic level. (People age 65 and older have not returned at the same rate.)
Certainly, older workers have responded to the sudden rebound in demand within the labor market—a rebound that came about because of government stimulus efforts, he continues. But in the chart below, the v-shaped labor force recovery for 55-to 64-year-olds obscures the possibility that, if the pandemic hadn’t happened, there would likely be even more older adults working today, says Davis.
Article fails to mention jab mandates and their affect on the labor market.
38
AD
2023 Oct 13, 12:21am
AD
2023 Oct 13, 12:21am
if anything work at home such as gig jobs listed at Rat Race Rebellion website ..its a legit site and its been mentioned by mainstream media...
this helps as far as senior citizens looking to earn at least a few hundred dollars per month .. usually they pay around $7 to $10 an hour...
this helps as far as senior citizens looking to earn at least a few hundred dollars per month .. usually they pay around $7 to $10 an hour...
39
HeadSet
2023 Oct 13, 6:33am
HeadSet
2023 Oct 13, 6:33am
zzyzzx says
Reality - the over 65-year-olds have found they cannot afford to retire now due to high inflation and no more covid payments.
The Spin - the over 65-year-olds are benefiting from a government stimulated economy.
Certainly, older workers have responded to the sudden rebound in demand within the labor market—a rebound that came about because of government stimulus efforts, he continues.
Reality - the over 65-year-olds have found they cannot afford to retire now due to high inflation and no more covid payments.
The Spin - the over 65-year-olds are benefiting from a government stimulated economy.
40
zzyzzx
2024 Feb 20, 9:36am
zzyzzx
2024 Feb 20, 9:36am
https://www.axios.com/2024/02/19/american-retirement-boom-high-stock-market-returns
Retirements spike again as stock market booms
What's interesting is the obvious early retirement spike right around when the clot shot mandates started.
Retirements spike again as stock market booms
What's interesting is the obvious early retirement spike right around when the clot shot mandates started.
41
KgK one
2024 Feb 20, 11:30am
Money is major concern , between ss + small pension , n investment incomes should be ok as long as I don't live large.
Only need one car then, n Uber if needed.
What kind of hobbies do you guys do to keep busy?.
Tv , only so much u can watch.
Gardening
Helping kids n grandkids
Exercize, walking
Only need one car then, n Uber if needed.
What kind of hobbies do you guys do to keep busy?.
Tv , only so much u can watch.
Gardening
Helping kids n grandkids
Exercize, walking
42
AD
2024 Feb 20, 12:27pm
AD
2024 Feb 20, 12:27pm
.
One thing the retirees can do is work at home such as take surveys
Legit work from home sites have a lot of those type job listings
Check out Rat Race Rebellion and also Work at Home Job Queen
Can earn about $7 an hour at home, and about $15 a day to help pay for bills
I like the gardening mention as you can grow cherry tomatoes easily in pots... I like the cheap fabric pots sold on Amazon ...
Agree about walking, as it should be at least 5 days a week for 1 hour each walking session
.
One thing the retirees can do is work at home such as take surveys
Legit work from home sites have a lot of those type job listings
Check out Rat Race Rebellion and also Work at Home Job Queen
Can earn about $7 an hour at home, and about $15 a day to help pay for bills
I like the gardening mention as you can grow cherry tomatoes easily in pots... I like the cheap fabric pots sold on Amazon ...
Agree about walking, as it should be at least 5 days a week for 1 hour each walking session
.
« First « Previous Comments 22 - 42 of 42 Search these comments
(59.5 is more realistic, as it would avoid early withdrawal penalties from my retirement accounts.)
I'm maxing out a Roth 401(k) evey year. Accounts been whalloped this year, but stilll is worrh about $600k. It has plenty of time to come back. I have almost two decades to go.
House is on track to be paid off in under ten years.
The only thing I don't have is a side investment account. Have thought about it, but yet to act.
For those of you who have retired early, any advice, not only how you were able to do it, but also if your retirement is matching your expectations. Part of me thinks I'd go crazy not working, but I want to work because I choose to, not because I have to.
My cost of living us relatively low. (Although its gone up mostly if fuel costs) I don't drive fancy cars or carry a ton of debt. Biggest splurge is going out to eat once or twice a week.