+1

I think this is a weird spot. Like if the 10k/yr is enough that it actually has a meaningful impact on your quality of life, then you probably dont have enough to self-insure. Maybe cut down to catastrophic care and cover the rest out of pocket, but I would need a pretty huge income to consider going straight no insurance for myself, let alone for a family.

How much can insurance possible cost you? Im guessing the best plan for your age is <$400/mo if you arent covered by your employer. That doesnt seem near crazy enough to be seriously concerned about.

People have a hard/impossible time pricing black swan events. Some medical issues costing 100s of thousands is barely even a black swan, but still people dont account for it well and get pissed at the money spent on insurance.

If you are young and healthy and have a solid income and savings, a catastrophic plan is fine, but very high variance.

The only people that should consider no insurance are the very rich [i.e. liquid to mid 7 figures] or the very poor so that a bankruptcy isnt a huge issue, assuming the medical debt is dischargable

Trying to figure out wtf a hack squat is. H&F, is it this:



Or:

Barbell hack squat
Machine hack squat


The latter is EV's bread and butter lowerbody lift. It also comes in a more vertical version.

yes

both are pointless, so don't worry about it.

I used to drink the cheap stuff. Wanted to go the lactose free route and found Allmax Isoflex. It's just pure whey isolate protein. The way it's filtered it takes out about everything except the isolate protein. The price isn't that much more than the Walmart stuff. I had to go to Vitamin Shop to get it.
http://www.allmaxnutrition.com/products-type/isoflex/

This is relephant to two or three of my interests.

Does anyone know of a good gym and/or boot camp I can join for get fit and healthy?

10k only buys catastrophic care. This is more of a math exercise. For the really catastrophic illnesses treatment in India, Latin America, Turkey - by western trained doctors in facilities with great reputations and records- is far cheaper than here. My concern is the traumatic, expensive injury. As far as bankruptcy goes, maybe some planning is in order to make assets bankruptcy remote and I will rely on bankruptcy as my insurer of last resort. Good thought.

I hear P90x insanity bowflex works really well in France.

Crash I suggest redeploying assets in Russian River bottles that you sent to my cellar for safe keeping. Maybe send 12/week so we don't attract too much attention.

Be safe.

RRBC limits off sale purchases to six bottles. Goddamned socialists. This is America! How dare they?!

gym is the best place for doing workout.

I suggest doing the workouts on this site: www.crossfit.com

I'm late to the breakfast sharing party, but mine is probably as pathetic as BTM's. I drink two costco chocolate protein shakes. Total 320 cal, 60g protein, 4g non-fiber carbs, 6g fat.

I used to skip breakfast and it worked fine and I definitely agree with the principle, but this allows me to get my macros right for the dayand fills me up enough that I don't feel the need to gorge myself at lunch which is what no breakfast tended to do to me.

I think no breakfast is easier to pull of the later you start your day. I need to get up at 5:30 on days that I work. What time do you non-breakfast eaters wake up?

7

Melk — at least your breakfast doesn't start out sounding delicious and end up sounding like a pile of frozen meh.

"So what do you eat BtM?" "Oh, bacon & eggs, errrday." "Damn, son, that sounds like GOAT." "I know! I get these pre-boiled, super cold and limp hardboiled eggs which I then pop into my mouth in between bites of cold bacon that's been sitting out for days along with who knows how I brewed it coffee while swiping left and right on Tinder."

"Oh, n/m."

Around 3:50

4:30 WORKOUTS DAYS
6:00 NON WORKOUTS DAYS

That sounds like a bigger gap when I type it out like that.

730

Considering employing the infamous "morning workout." Good idea or bad? Does your lack of testosterone cause you to squat loco-sized weights?

Between 5:30 and 6:00. Never workout before 9 tho.

I made the kids breakfast, some oatmeal and slices of papaya. I ate some of the papaya. Am I going to die?

Same thing for me starting end of October. Gonna have to wake up at 5:30 or 6

I don't understand why people feel the need to go cheap on health insurance. What the **** else is more important than that? I realize that it is expensive and quite intangible if you don't use it, but unless you are a literal poor, there are few more important things to spend money one than your health.

Sure there are some diseases that you cold pop over to India for and get excellent care and then come back, but lots of diseases don't really lend themselves to that. There are plenty of cancers, degenerative, and other diseases that require expensive, chronic care (organ transplants are a great example). Normally, in these cases you would like to spend your remaining days at/near home, doing things with your friends and family rather than traveling the world for cheap care.

/rant

The above is more of my philosophical approach to prioritizing personal health care spending. If we move on to the practical side of things (which appears to be your goal) Obamacare really has some loopholes that lend themselves to exploitation. All you need to do is not buy insurance (i.e., self-insure) and then purchase insurance after you get really sick.

The only time you are allowed to buy/change insurance would be during the annual open enrollment period, but there is an exception if you have a qualifying change in status. So you could get sick/injured, divorce Mrs Crash (for example), buy insurance the next day, and re-marry Mrs. Crash the day after that. There is a short waiting period for the insurance to kick in, so you would be on the hook for a month or so of expenses that you would need to insure yourself against in some way (e.g. bankruptcy, savings, etc.). If it was a traumatic injury that precipitated the whole thing, then you could cancel you policy after you've recovered in order to further minimize your expense.

If one has no moral issue with this approach (and I'm not suggesting that you should or shouldn't), then it is probably a very reasonable way to go for a young healthy person who doesn't participate in a lot of activities associated with a high risk of serious injury.