life planning

Making the Most of Now

It Scares me….
  • Have you ever looked back and wished you’d taken that trip or finally tried that new hobby?
  • How do you know if you like something if you’ve never tried it?
  • What on earth are you waiting for?

Why do people wait until they are ‘retired’ to travel. I don’t know… I think it’s backwards and an unbalanced way of living. All too often, we hear heartbreaking stories of people’s carefully planned lives being cut short by illness, accidents, or other unforeseen circumstances. This begs the question: why wait for the “magical” retirement age of 65 to experience life? Why not start now?

I would think I’m a pretty out there person, squeezing in a lot of things, but I still think I have ways to go in fully committing. Upon realizing this, I’ve been all in for trying to get a solid job at a large multinational so I can expat around the world, trying new things and cultures. I see it as a part-time travel job with work to sustain the adventure. “Work to live, not live to work”.
 
From my first international trip back when I was ~19 years old, I realized how eye-opening and open the world can be. I probably didn’t (and still don’t) fully appreciate or endorse it all, but I know the opportunity is there. Trying new things and putting yourself out there. That’s why I am moving overseas – to live life in the fast lane, try new things, and most of all – to have no regrets.

Fired up! Get Some Go About ya!

So cool, I know I want to do something… But what is it and how am I going to make it happen?
1) Planning. As any good Finance person will tell you, success starts with planning. “If you fail to plan,you plan to fail”.
2) Execute: Make it happen. I’m not a humble guy… So I’m just going to say it, I’m good at this. I make things happen. I put plans on shared calendars, I book far ahead, I work through fatigue. YO to the LO.
3) Enjoying the moment and reflecting. An area I need to work on. Sometimes I’m too caught in 1 and 2 that it interferes with the moment.

My 2024 Travel Planning Map

Set Your Ultimate Goals

By setting your race goals first you’ll be able to plan your calendar and races to achieve these. It’s usually best to set goals into Priority Tiers (A/B/C 1st /2nd/3rd). 

For myself, my (current 01/01/2022) goals are:

  1. Priority
    1. UTMB – Ultra Trail Mont. Blanc
    2. UTMF – Ultra Trail Mount Fuji
    3. Western Mac Ellery 128K
  2. Priority (or Qualification Races)
    1. BTU 100
    2. Tamworth Trail Blazer 60K
  3. Priority (if it won’t impede my other events)
    1. UTA (50 or 100K)

Race Requirements / Entry Process

There’s not much point in looking further into a race if you can’t even enter. Look at the official website and find out how to qualify.

My example is UTMB (170K) and from my research thus far it’s one of the most difficult races to qualify for (for the general public). So if I qualify for UTMB, I should be pretty safe for all other races (still worth checking each race though).

UTMB 2022 Entry Process lists multiple criteria just to enter the lottery.

  • ‘Unique’ to UTMB: Runners who have collected Running Stones by participating in the UTWT circuit. One Running Stone will provide one entry in the lottery. You can have up to 9 stones. They must also own a valid UTMB  Index for the distance of their choice (To enter the UTMB® lottery, runners must own a valid UTMB® Index in the 100K or 100M category).
  • More Standard: Runners who have acquired the requested qualifying points. UTMB: 10 points acquired between 01/01/2019 and 31/12/2021 (in 2 races maximum). 1 Entry for the lottery.
  • Charity: making a €2,000 donation to one of the charitable associations supported by the organization
  • Be an Elite (800+ ITRA score)

My UTMB Qualification

So it’s pretty clear that I will not be able to qualify for UTMB 2022. I have 0 stones, I’m ~120 points short of being ‘Elite’ and I only have 1 qualification point.

I will airm to qualify for the 2023 event.

The most efficient way to gain entry is through Running Stones as you can have up to 9 entries. I will opt for gain as many Stones as possible but also aim for qualifying points (as this will ensure I qualify for other events such as UTMF). 

I have organised my races as below:
1
Race DateCategoryPurposeLocationNameStones / Points
2
9 April 20223rdOtherTamworth, NSWTamworth Trail Blazer0
3
14 May 20223rdStonesSydney, AustraliaUltra Trail Australia (50K)3
4
21 May 20221stGoalAlice Springs, NTWestern Mac Ellery (128K)5
5
9 July 20222ndPointsBrisbane, QldBTU 1005
6
27 October 20222ndStonesChang Mai, ThailandThailand by UTMB (54 / 110K)9
7
18 November 20222ndStonesCheng Du, ChinaPanda Trail by UTMB9
8
26 April 20231stGoalFuji, JapanUltra Trail Mount Fuji3
9
22 August 20231stGoalChamonix, FranceUTMB0

Finally, just because a race is not in the list now doesn’t mean you can’t do it. Just ensure it fits into your goals and plans.

Timing and Registration

Don’t miss registration dates!

  • UTMB registration: January 6 to 18: pre-registration for the lottery & registration for priority runners
  • UTMF Registration: January 7, 2022 – January 14, 2022 Lottery.
  • Western Mac Ellery Monster 128K: Online Registrations for personalised bib close: April 30th , 2022

Where you have a race that may impact performance of another, rethink and maybe cancel the lesser priority race.

Resources

I got into the more serious side of running in late January (28/01/2021) when I signed up for my first 50K ultramarathon. To say I did any real research or planning would be a huge overstatement. My longest run to that date was around 20K – I knew I had to start running much longer distances to

  1. Mentally prepare myself to KNOW that I could do 50K in a day
  2. Physically prepare myself to run my ultra best

My training plan was simple – run more and run long on the weekends. Here’s a simple time series of my training via Strava:

Good starting base
Hovering hours around 30-40hours per month. A lot of golf and walking included.
Ultra Training Commences
Heavy uplift in hours (especially into running) from January. Goals pushed higher once decided on 100K+ events in September (e.g UTMB, UTMF etc).

Some time in mid 2021, I set myself a more far reaching goal – to compete and complete the holy grail of Ultra Marathons: Ultra Trail du Mont Blanc (UTMB) (171 km +10,040 m) in Chamonix, France. When I decided this sounded fun and right up my alley, I started to again feel similar to that time in January – inadequately prepared by such an overwhelming test of physicality. I wanted to get good and set myself up for my ultra-best with more of a plan than ‘I’ll just do longer runs’. I set out and decided to hire a running coach as a shortcut to learn what I needed, however that didn’t turn out as planned so here I am, learning and training myself to become an ultra endurance runner. I am no expert and only a few months into ultra endurance training and still learning, but from my learnings I want to cover these areas:

Planning & Learning

  1. Training Schedule (Weekly / Monthly Google Sheet) – I set up a training sheet which I update weekly or monthly. It will include ideas and locations for hills. It’s also good to tally up your training if you can be that dedicated.
  2. Race Planning: Find the races that really interest you. Ensure you know how to qualify for them. Train for the race as close as you can. E.g UTMB is 170K with 10K elevation. Break it down – how much do I expect to run, hike, uphill, downhill, etc. Try to base your training around this.
  3. Coach – consider getting a coach, running form assessment and understand how different training techniques can improve your body and mind.
  4. Podcasts – Good to listen to while running for all running topics. My favourite: Science of Ultra and also Mile27
  5. Friends

Physical Training

Types: variety is the spice of life. If you do anything too much it’s surely not good for you. Mixing up your runs (from what I understand) will improve overall versatility and ensure your muscles are prepared.

    1. Long Runs: Up to 40% of overall weekly time. Less than 5 hours unless you are training mentally or gut testing. Probably want to do a big one (8+ hours)  around 6-8 weeks out in case you get injured. This is a good mental boost and test gear, gut and mind.
    2. Speed (Intervals, progressive, Fartleks, etc): Usually 1-1.5 hour sessions. Want to be doing minimum 30 minutes of actual speed running when you go out. Remember to be specific, Usually don’t want to be doing 100m sprints when you are training for a 170K race. Longer efforts will be more effective: 
      • e.g 3min * 10 efforts or 8min * 4 efforts. Etc. My pace for this training will be 5-10km 
      • pace (3:00 fastest)
      • Fartleks can be fun when combining with Strava segments. You don’t need to do consistent times / repeats. Effort is the main factor. E.g Segment 1 ~6mins, Segment 2 ~12mins, Segment 3 ~5mins, Segment 4 ~5mins.
    3. Hills / Hiking: UTMB will have a lot of climbing (roughly 5.9% overall course (10K/170K)). Although not always possible, best to try to replicate near this in your weekly schedule. I.e 100K per week = 5.9K elevation. Similar to intervals, I want to get in ~20minutes of actual climb time as well as descent time. I.e 6 * 4mins, 3 * 7mins
    4. Comfortable Runs: These are the usual runs. Comfortable (talking) pace. These are to put some more mileage in the legs when fatigued or to impede further fatigue. These will usually be in between the harder (speed, hills, long) sessions. 
    5. Strength & Mobility: 
      • Personally, stretching after running works for me. I have a sauna so it’s my place. I’ve never been flexible and something I want to properly try. After (almost) every run.
      • Strength has become more important as I’ve done more running although I still need to put more emphasis on it. Hip flexors (slide 5 & 6). Also don’t want to have runners arms, so it can be good to fit in some upper body through F45 or the like. Core is also very important so put in some situps with focus on obliques. One F45 per week, each walk (usually every 1-2 days) do a few situps. 
    6.  Rest: something I’m not very good at but a quote I like to paraphrase – when you are training you are hurting / tiring out your muscles. When you are resting they are recovering and becoming stronger. Like a senzu bean.
Schedule Days
Simply allows me to plan my days around work, weather and other events
Schedule Areas
When planning some runs this helps me pick locations for hills or intervals depending on what I want to aim for

Nutrition & Gut Training

  1. Consider hiring a nutritionist or at least researching…
  2. Training and prep
    1. For runners, carbs are good. Low GI is best. Eat more wholemeal
    2. Eat 1-2hours prior to a run, test and see if you can bring this down
    3. Eat less sugar
    4. Get to an efficient weight
    5. Eat more fiber
    6. Try glycogen depleted runs 
  3. The Long runs
    1. You shouldn’t need food top ups for less than 2 hours
    2. Take food for anything longer than 2.5hours
    3. Good idea to nibble every hour instead of large amounts
    4. Test food and gels, gels also expensive, you can make your own and test your own foods

Other

  1. Mental – you won’t know if you don’t attempt something tough. Chafe is still the most scary thing for me… something I need to further test. If you can test something before the big day it’s best to try it and give yourself that confidence boost

Final Words

Everyone is capable of training themselves with the right commitment and learning. Like a diet, find something that works for you, if you can’t stick to your training plan, look at changing it up to make it fun – strava segment seeking and weekly planning can actually be fun. I have shared some of the things I have started reading, learning and planning to improve my running to achieve my goals. I’ll test and improve this as I go through the stages to see what works and does not work for me.

If you’re to take one thing from this, think to make yourself Training Schedule (Weekly / Monthly Google Sheet)

“If you fail to plan, you plan to fail.” – Benjamin Franklin.

I originally titled this ‘The Importance of Plans and Goals’, then realised that without a goal, there’s no need to plan. 

But then what is a goal and why do we need them? To me a goal is about understanding. Understanding ourselves, our wants, society, family, etc. To set a goal we first want to understand WHY we want to achieve the goal. Most of the time this will be subconsciously known to us but it’s always best to know The Why and the Goal.

We need goals to give life direction, meaning and progress. Too often when asking people ‘What did you do on the weekend?’ you will get the lacklustre reply ‘ah, not much’ or ‘just chill’. Firstly, if that was my goal – to chill and do nothing, then 100% fine. But if you sit on your couch watching the Olympics or an amazing documentary thinking ‘How amazing, I wish I could do that’, then you need to ask yourself the hard questions: 

  • What is your purpose? 
  • What makes you happy? 
  • What gets you out of bed each day?

Although not a necessity, I would recommend first, understanding yourself (The Why), then building your Goals and then The Plan to achieve those goals.

Looks like a lot if going on… Start from the left. 

  1. What gets you out of bed, then;
  2. Link these to goals, and then;
  3. Set a plan to achieve these goals

I find the more connections you can make between your joys and what gets you out of bed, the more strongly a goal will resonate with you.

Example: Goal: Ultra-Trail du Mont_Blanc

  • The Why (what I get out of bed for):
    • Love for mountains, nature and scenery
    • Love for Travel – chance at a French-Swiss Adventure
    • Running (can) give me a euphoric ‘high’ during and a sense of accomplishment after
    • To challenge myself – A few years ago, if you told me that someone ran 170kms with ~10K elevation change, I would say it’s impossible. Those people are heroes. I want to be a hero. Maybe part god complex part egotism part conceited but I like to challenge myself to do things most people wouldn’t dare or chance upon themselves to accomplish. A paradox which could be written on my tombstone – Ross ‘The Humblest’ Michell.
  • Goal: I want to run the Ultra-Trail du Mont-Blanc (a 170km mountain race in the Swiss-French alps with one of the largest fields). 
  • The Plan: like all of my big goals, planning starts with a Google Sheet.
    • Research the course (Length: 170K, Elevation: 10K, Cut off: 46h 30m). How on earth will I do this?
      • Research: running, types, podcasts, coaches, travel and course map.
      • Set up a training plan
      • Find and hire a coach
    • Timing – Yearly in August
    • How to Qualify: 10 ITRA points in a maximum of 2 races. Which races will I do…. This basically turned into it’s own adventure
    • Convince the wife to allow and support me

Most importantly, writing these things down can help you as your go. It sure helps me when I write these articles.

Happy Planning!

Unless you understand this formula, time is fixed, it’s something you can’t get back.

As a kid we grow up with these expectations which almost don’t allow for questioning: go to school, get a job, find a partner, buy a house with a white picket fence, have a baby, become a grandparent, done. It seems like a question everyone has answered without even asking themselves of something so vitally important. 

These 5 questions are the ones I believe are most crucial in thinking about how you want to spend your time without mindlessly following the masses. 

  1. Do I really want to be a parent?
  2. Relationship
  3. Do I need to buy a house?
  4. Career / Money
  5. Why am I alive? If I retired today, what would I do?

I don’t always take the most orthodox approach to life and that’s purely due to asking myself questions and tossing up the opportunity cost (considering all options) in terms of time and selecting the best option.

1. Do I really want to be a parent?

Yes or No? I believe this is the most important question that people really need to ask themselves. If you get this terribly wrong not only can you severely alter your own quality of life, but also the next generation’s life. 

Just like anything involving decisions and opportunity costs, I would recommend making your own table of pros and cons. I generally start with the cons.

Cons

  • Time commitment
  • Short temper / lack of patience
  • Cost to the environment
  • Cost to my wallet

Pros

  • Live vicariously through your kids
  • Can bring a lot of joy
  • Naturally paternal / maternal
  • Give you something to do

For some it will be clear after putting a simple list together. For others, more research may be needed. Luckily for me, I have 2 brothers with 3 kids each. A simple visit to each house gave me solid insight into the life of being a parent.

Personally, the time commitment was the killer for me. I like my life, I like spending time on me, I do what I want (which is what the wife also wants). If a kid came into my life, almost all of my time for the foreseeable 18 years would go into that kid away from me. Yes, I’m selfish but that’s how I want to live MY life, your life is your choice. Communication is also key, talk through these things with your partner before you get married or get too deep. 

Remember your life is crafted by your own choices, be inquisitive and know how you want to spend your time to live the life you want to live.

Yes, I wear these (the socks & shoes combo)

2. Is this the right relationship for me?

  • What kind of relationship am I looking for?
  • Why am I with this person?
  • Do I want to get married?

Firstly be honest with yourself and then communicate and be clear with your partner. Know what kind of relationship you want: is it just fun? Serious? Nothing? It’s up to you. Pick one and be clear, there is nothing worse than being in the ‘grey zone’ – keep it black or white. 

If you are lying to yourself and your partner, you are wasting 2 people’s time and effort.

3. Do I need to buy a house?

In Australia it seems like another rhetorical question… But why do we want to be house owners? Just to be clear, I’m not against buying a house, I just think it’s most important to consider your situation and timing in relation to buying. I’ve listed some pros and cons below.

Buying

The Cons of Buying: It’s a big commitment of money, but responsibility as well. It may also lock down your options for working hours, holidays and other commitments whilst putting further stress on the purchaser.

The Pros of Buying: You are an owner – you can do almost whatever you want with the place, you have a secure place to live so no one can really kick you out. The price of the house (most likely) will rise in value – so you can make money on the purchase.

Renting

Pros of Renting: Cheaper initial cost and little upfront investment (bond), freedom to move places if you don’t like the location or house. If you go on an extended holiday, you will pay no rent (i.e you can literally move anywhere in the world). 

Cons of Renting: Can be forced to move out of home. Rent increases are inevitable. You will be ‘paying for someone’s mortgage’ (although I don’t believe this to be any different to being employed). 

My wife and I purchased an apartment in Sydney in 2019. We both actually love the apartment & amenities as well as the location (closeness to shopping, national parks, safety, etc). We have seen so many benefits in terms of tax, rental income and getting experimental on the tools. Doubts about the purchase have only recently come to mind as we plan out the next few years in a post-covid world where we would like to work and live internationally and having a large asset back in Sydney is a bit of an obligation.

4. How much money is enough?

This is almost the same as when can I retire? Do I need to keep working until I’m at retirement age? I want to challenge the thinking here – especially to those who are not planning on kids. An idea which I autonomously thought of but which is well documented by Bill Perkins is below:

What’s your optimum retirement strategy? Are you going to just keep working long hours in order to sock away more and more money that you’ll never get around to spending because you’re working?

The Die With Zero philosophy is once you’ve saved enough to fund your retirement and give to your family and charities, you should start focusing more on generating memorable life experiences. That’s the time to live life to its fullest, not to be pulling even longer hours in the office, or waiting until you’re too old to be able to enjoy doing things.
https://summaries.com/blog/die-with-zero

In the end, how much help do you need to give to your kids? If you’ve raised them to be self-sufficient, I’m sure they will be okay on their own or with just a little support. You’ve worked hard to earn this money, go enjoy your money and don’t end up with a James and Lily Potter amount of money left over without being able to spend and enjoy it.

5. What is MY life?

Imagine a life without having to worry about time or money or anything else. What would you do? What do you enjoy? Where do you WANT to spend your time?

This is how I like to think about ‘the meaning of life’ – my meaning is to enjoy life with the people I care about. Is there another life? No idea, but what I do know is I will live now and die one day and I will enjoy the hell out of it.

Have a good solid think and figure out the things you love to do which bring joy to your life. For me this is:

  • Life planning
    • Short Term: Planning my next few days, next holiday, mapping a new trail run / bike ride, blog writing etc
    • Long Term: Exploring google maps for holidays, Expense / qantas point planning, investigating long holidays, blog planning, etc
  • Travel
  • Running / Hiking / Nature
  • Anime, gaming and computers
  • Collecting (cards) and creative hobbies

If I were to retire tomorrow I would honestly be up until at least 3am ‘life planning’, I call it. Which would just be on my custom build PC throwing ideas on a spreadsheet in timeline format and tossing up ideas of which one sounds best and works best with my current situation and timings. No doubt those plans would include each of these dot points. The next morning I would run the wife through these plans and see if she’d be keen on them – that is my/our life and I love it.