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Expat Finances 201: Investing With Taxable Accounts

This is the second article in a series of personal finance and investment articles mainly for American expats, though domestic residents and non-Americans will find it useful as well.

101 is a foundation for everyone, but particularly useful to those with student loans or other debt

201 is a primer to investment for those with no debt, or with savings of less than $10,000

What's the Secret to Fitness?

On Musings of a Dick

If you told me a decade ago that I would love fitness, I would’ve thought you were insane. Yup. Batshit crazy. That’s because ten years ago, I was a 220 lb couch potato that loathed exercise more than anyone I knew. Seriously, I hated exercise like Garfield hates Mondays.It’s not that I was lazy about everything; I had passions, like computers, playing the piano, and other geeky activities that don’t help a chubby kid’s street cred. But walking up a flight of stairs? Nope, I would have been a panting hot mess. My family was pretty sedentary, and the only thing that “ran” in my family was a piss poor metabolism that made my disdain for physical activity even worse. Just looking at a pint of ice cream, my favorite food, would cause it to go straight to my fat cells – that is if I didn’t eat it first.Fast forward a decade later. I’m now an amateur bodybuilder who lifts more than twice his body weight and competes in fitness shows. Now, I can run up 50 flights without breaking too much of a sweat (as tested by a power outage in my high rise). Best of all, I’m passionate about fitness. You might think that all of this now means that I spend every waking moment in the gym. On the contrary, as an entrepreneur spends almost waking hour running Fitocracy, I don’t have the time. In fact, I still enjoy ice cream (sometimes in very large quantities), and I still hate the stairs.

So what’s different now? In terms of my necessities, fitness is right up there with eating, sleeping, and sex.There. I just told you the secret of fitness. The secret of fitness is to learn to think of it in the same way as you think about eating, sleeping, and sex.These four basic needs are hardwired into my life. No matter how busy I get, I always find time for them, and they get priority over other needs. They’re musts and I habitually fit these things into my schedule without much thought.For example, the other night I was pretty damn excited. I knew that the following day would be one-rep-max test day for squats. It’s not the load of being under a barbell that excites me – quite the opposite. I'm sometimes scared shitless by the actual up-and-down movement with a heavy ass barbell on my back. It’s the fact that I was on track to hit a new personal record.

Ironically, the excitement caused me to wake up late from tossing and turning all night. After glancing at my alarm clock in horror, I quickly downed my morning coffee and hustled to the gym. If I didn’t, I would have had that nagging feeling of missing a workout, a feeling that lasts all day.

Later at the office, I took an occasional break when my mind started getting numb from crunching data. I caught myself compulsively checking updates on Facebook, Twitter, and Fitocracy. Yes, I was interacting with fitness geeks on Fitocracy in the same way that I “like” people on Facebook. It has nothing to do with the fact that Fitocracy is my company. It has everything to do with the fact that fitness is now top of mind for me, and my Fitocracy feed is just as magnetic as my Facebook newsfeed.