Good life with good health, family, and friends. Retired. 50 years old. Ex-IT Engineer. Gym dweller. Not a financial advisor. Index investor.
Joined June 2022
- Tweets8.7K
- Following1.3K
- Followers454
- Likes24.9K
Andy retweeted
Big benefit of being a personal trainer for 20+ years is you mainly deal with very high net worth people. Not necessarily Bezos money but A LOT of people who will very comfortably retire at a youngish age with plenty of money to do what they want when they want, not stress over bills, and leave a pile for their kids.
My observations over 20+ years of how 99% made their money.
1 - regular / automatic investments into index funds and/or reliable dividend stocks over long periods of time. Haven’t had a single day trader come through.
2 - selling a business. Usually the highest net worth clients ran a business for 20-40 years and then sold it for a fortune
3 - modest real estate investments. Meaning they might own 1-5 single family homes they paid cash for or a patch of land they later sell. Never had anyone come through whose primary investment strategy was buying and selling highly leveraged real estate portfolios .
4 - home is always paid for. Very few carry a mortgage
5 - high income. No way around this one. Gotta make enough thru your business or W2 to sock enough away each month and not get sucked into trying to borrow your way into wealth.
My observations
Andy retweeted
Watching the World Series from Japan, and I have to say this.
Like a lot of Japanese fans, I was cheering for Ohtani and the Dodgers.
A three-peat would have been amazing.
So yes, I was a little sad when Milwaukee swept them.
But then I started reading about the Brewers.
They have never won a World Series.
Their last trip was in 1982.
Some fans waited their whole lives for this.
Some didn't get to see it.
Bob Uecker, the voice of the Brewers, passed away in January 2025.
His family asked the city to win this one for him.
I'm not crying, you're crying.
In Japan we love a story where patience finally pays off.
44 years is a lot of patience.
Also, I learned there is a sausage race in Milwaukee.
People in costumes running as sausages.
I have never wanted to visit a city more.
So here I am.
A Dodgers fan in Japan, quietly cheering for Milwaukee tonight. 🍺⚾️
#WorldSeries2026 #Brewers
Andy retweeted
How can you not love Milwaukee
How can you not root for the small midwestern team?
How can you not love a city full of just nice people?
Andy retweeted
The Brewers are being celebrated like they invented baseball.
They are doing things that have become unusual.
They have an old school tough manager who players love playing for.
They focus on basic easy to understand basic fundamentals.
They have a hitting coach that was an overachieving player for skill that played in the big leagues.
They hit the ball the other way.
They value putting the ball in play.
They adjust their approach based on situation and count.
They are not addicted to exit velocity and launch angle bullshit.
They bunt and steal bases.
They do not have selfish superstars that need to be treated like celebrities.
The Brewers simply play the game how it was meant to be played.
Andy retweeted
There has never been a shortage of reasons to be pessimistic.
Meanwhile, the value of stocks and mutual funds owned by U.S. households has more than tripled over the last decade.
Optimism pays and ownership builds wealth.
Be an owner.
Andy retweeted
Living in a $500k home with $2m invested: happiness.
Living in a $2m home with $500k invested: misery.
Andy retweeted
~88% of people have a net-worth under $450,000.
We can all agree a $1 million net worth is still pretty rare.
...Don’t let the internet fool you.
Andy retweeted
The S&P 500 is flat for October, but the average stock is soaring.
S&P 500 equal-weight is up more than 4% MTD.
Andy retweeted
A flat stomach is a better health goal than big arms, and the data back it up. In a study of nearly 360,000 Europeans, the men with the largest waists had about twice the risk of death and the women about 1.8 times, even after accounting for BMI. Belly fat matters because the fat cells around the organs are often overfilled and insulin resistant, and they release their fat directly toward the liver. The way to shrink them is to bring insulin down, which means cutting refined carbs, eating protein and lifting.
Andy retweeted
The average net worth of U.S. households is $1.2M. The median is $216k.
But when you remove home equity, the median is just $69k.
My latest on how net worth varies by age, with and without home equity:
ofdollarsanddata.com/average…
![What is the Average Net Worth by Age? [2025 Latest Data]](https://pbs.twimg.com/card_img/2115069305658159104/y7fdEIy3?format=jpg&name=800x419)
Andy retweeted
Exercising more to burn off what a person eats doesn't work the way most people think.
As people get more active, their total daily calorie burn rises at first and then levels off. The body appears to adapt by spending less energy elsewhere, so the extra workouts don't add up the way the treadmill display suggests.
Exercise is worth doing for muscle and fitness. For fat loss, diet comes first.
Andy retweeted
In the corporate world you can take anyone off the street with average intelligence and place them in a role within that company and they’d be successful.
It’s no secret, which is why being likable is more important than education.
Andy retweeted
I used to think cholesterol was simple. High is bad. Low is good. Take a pill. Problem solved.
Then I read the Korean study. 14.9 million people. Nine years of follow up. No one on statins.
And the result was a U-shape.
Very low LDL. More cardiovascular death. Very high LDL. More cardiovascular death. The safest zone sat right in the middle.
How can both extremes kill you if the number itself is the problem?
Because the number was never the problem.
Low LDL weakens your blood vessel walls. Cholesterol builds every cell membrane in your body. It makes your hormones. Drive it to the floor and the body cannot maintain itself. The vessels get fragile. They rupture.
High LDL in someone with insulin
resistance, chronic inflammation, and a damaged arterial wall is dangerous. Not because LDL attacked the wall. Because it got trapped inside a wall that was already broken.
But here is what the system never tells you.
A lean, active person eating real food can have LDL of 300 and be one of the healthiest people in the room. High HDL. Low triglycerides. No inflammation. Clean insulin. The LDL is high because their body is running on fat and transporting energy efficiently. Not disease. Metabolism.
Same number. Completely different biology.
Two people sitting in the same doctor's office. Same LDL on the lab report. One needs intervention. One does not. But both get handed the same prescription.
Because the system was built to treat the number. Not understand the environment the number lives in.
Stop chasing numbers. Start understanding your body.
A Giant Korean Study of 15 Million People Just Blew a Hole in the “Lower LDL Is Always Better” Story
Imagine tracking almost 15 million adults for nearly nine years and counting every death from heart disease and stroke. That’s exactly what Korean researchers did with 14.9 million people who weren’t even taking cholesterol drugs. What they found doesn’t match the simple message that “the lower your LDL, the safer you are.” Instead, the risk formed a U-shape. People with very low LDL died more often from cardiovascular causes, people with very high LDL also died more often, and the sweet spot sat right in the middle.
For overall cardiovascular death the lowest risk landed between about 90 and 149 mg/dL. Below that range or well above it, deaths went up. The pattern changed depending on the exact problem. For heart attacks and blocked arteries the best zone was lower (around 70–114 mg/dL). For some types of brain bleeds the risk kept falling only when LDL stayed higher. In plain terms, driving LDL as low as possible protected against one kind of death while raising the risk of others.
When the scientists looked only at the higher range (100 to 300 mg/dL) they still saw a clear rise in heart-attack deaths as LDL climbed. Each jump of about 40 mg/dL raised the chance of dying from ischemic heart disease by roughly 26 percent. But that rise was weaker in women and in older adults than in younger men. Even people in their late 70s and early 80s still showed some extra risk from higher LDL for heart attacks and ischemic strokes, yet the overall picture never became “lower is always safer.”
The study is huge, it followed real people instead of just guessing from lab tests, and it only looked at folks who were not already on statins. That makes the U-shape harder to wave away. Doctors still treat high LDL when people already have heart disease or several risk factors, because the top end of the curve is real. But the data also show that pushing every healthy adult toward rock-bottom LDL numbers is not free. Too low carried its own price in this massive population.
The takeaway is simple and uncomfortable: LDL cholesterol is not a one-way street. In nearly 15 million Koreans the safest zone for dying of cardiovascular disease was not the lowest number on the lab report. Both extremes cost lives. That single finding from one of the largest studies ever done keeps forcing the same awkward question—how low is actually low enough, and for whom?
