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Presented by Dr. James Schultz fitnessandyourfinances

Presented by Dr. James Schultz fitnessandyourfinances.com. What are we going to talk about?. Who I am Pure domination in F & F What you can do right now. A little about me…. Finance professor BS in Finance (Central Michigan University) MBA in Finance (Central Michigan University)

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Presented by Dr. James Schultz fitnessandyourfinances

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  1. Presented by Dr. James Schultz fitnessandyourfinances.com

  2. What are we going to talk about? • Who I am • Pure domination in F & F • What you can do right now

  3. A little about me… • Finance professor • BS in Finance (Central Michigan University) • MBA in Finance (Central Michigan University) • PhD in Finance (University of Memphis) • Amateur bodybuilder since 2000 • Competed in approximately ten bodybuilding shows in three different states • Learned about fitness ‘the hard way’

  4. Who can benefit most from F&F? Anyone who is not happy with their progress in either Fitness or Finances It works pretty well when it’s round

  5. Now…on to the domination • Without question, the most important factor in both fitness and finances is to consistently challenge yourself • Small victories • Red Dropper • That’s not us

  6. Programmed by society • Getting into shape is easy! • Sacrificing today to be financially independent tomorrow is a breeze! • If P90x is the answer…shouldn’t I do P235x? • The plan for success is simple, but the execution of the plan is hard

  7. Alice in Wonderland C. Cat v A. Wonderland Goals are important…but what’s more important…? Where you’re coming from

  8. Taking inventory • What are you actually eating? • Where is your money actually going? • Prepare to be dazzled

  9. The importance of goals • Goals should be… • Realistic • Measurable • Challenging • Accomplished • Evaluated • Rinse & repeat • Mantie Motivation

  10. J. Schultz’s theory of relativity • In the end, it’s all relative • The artist formerly known as ‘you’ • These comparisons attach meaning to the word ‘progress’ • Anything else is foolish

  11. Continued domination • The harder you work, the better your results • Many ways to succeed • You, me, and your uncle Marty

  12. Do you feel dominant yet? • Everybody wants results yesterday • Rewards now, results later • If you don’t learn to love the process…

  13. So what can you do TODAY? • Before anything else… • Take inventory of the situation • Before you know where you’re going, you have to know where you are • Fitday.com • Myportfolio or Mint • 75/25

  14. Fitness solutions • Tracking calories needs to become a way of life (until you’ve earned the right not to) • Welcome to 2011 • Next, let science carry you over the finish line • 40/30/30 • 10x (lose) • 12x (stay) • 15x (gain) • 5x (ultra lose?)

  15. Nutritional example • Suppose you weight 200lbs and you want to lose some fat • 200 x 10 = 2,000 calories/day • 40% = 800 calories from protein • 200g • 30% = 600 calories from carbs • 150g • 30% = 600 calories from fat • 67g • Use these numbers as a starting point • Adjust every two weeks as needed • Reasonable expectations

  16. Another nutritional example • Suppose you weight 180lbs and you want to gain some muscle • 180 x 15 = 2,700 calories/day • 40% = 1,080 calories from protein • 270g • 30% = 810 calories from carbs • 202.5g • 30% = 810 calories from fat • 90g • Reasonable expectations • What I did to get started

  17. What about training? • When it comes to re-shaping your body, nothing beats weights • All females in unison • Have to be willing to commit about an hour, at least four times/week • Simple and effective • CH, SH, ARMS, LEGS, BACK • ABS???

  18. Training example • Full Body • One movement per body part, per session • UB/LB • Alternate between UB and LB sessions • More volume per session • Body part split • Train one body part per session • Much more volume per session!!! • Combining weights/cardio • Remember that weights > cardio • 45m weights + 20-30m cardio • Or no cardio at all (gasp!)

  19. Finance solutions • Tracking your expenses has to become a way of life (until you’ve earned the right not to) • Not even me • See where your money is going for about three months • Fluctuations • Eliminate credit card debt • Three months of savings* • Investing

  20. This financial approach • Paying down credit cards • 22% for them, or 22% for you? • Liquid savings • Life happens • Investing in stocks • The fun part • What I am doing

  21. Financial examples • College student saves $10 per week and decides to invest those funds in the stock market • How much will she have in 3 years? • ??? • How much will she have in 5 years? • ??? • How much will she have in 10 years? • Could be $7,000 • Could be $8,000 • Could be $9,000

  22. Some more interesting numbers • You either start working, or have been working for some time • Your annual salary is $40,000 • You contribute 10% to your 401k, 403b, etc. • How much will be in there in 5 years? • ??? • How much will be in there in 15 years? • Could realistically be $138,000 • How much will be in there in 25 years? • Could easily be $440,000 • How much will be in there in 35 years? • Could be over $1.2 million without breaking a sweat!

  23. Closing thoughts • Rewards now, results later • Discipline, or disappointment

  24. If you only learn one thing tonight… • Progress Not Perfection

  25. Don’t forget to visit fitnessandyourfinances.com

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