I want to add about 10lbs of muscle could I do 1 16 week testosterone cycle and go back to not being on it after doing PCT? I feel I am at my natural limit. Been lifting for 5 years and progress has slowed significantly in the last 2
I left my small fire department for a big city where I make way more. I made $100,000 last year and my total gross with no overtime in 2026 is about 169k. Base is around 151k then some premium pay uniform allowance and holiday in lieu brings it up. Before this I was making under 100k so it’s a big jump. This year with lots of overtime I’m on track for around 275k.
I still have about 70k left on a HELOC at 7 percent interest and I want to be smart with the extra money instead of letting lifestyle creep eat it all.
Looking for thoughts on how to prioritize. Should I throw as much as possible at the HELOC or keep investing and maxing retirement while still paying it down. Any other moves you’d make with this kind of increase.
Not as much as a lot of people on here. It’s hard work, but I can honestly say I love my job.