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Recently, I laid out some key markers of metabolic health for myself. Since then, I’ve been doing further research and talking to a few people about it.

This mostly strengthened my confidence with the five markers of metabolic health I chose. The only change was an extra marker – body fat / visceral fat. I had originally been thinking about BMI or waist circumference as a key marker – but there are obvious flaws in these. Measuring body fat / visceral fat seems much better.

Having high levels of visceral fat (fat found inside your abdominal cavity and that wraps around your internal organs) and body fat definitely puts you at a higher risk of chronic disease. So, I’m adding them to my key markers of metabolic health.

There were a bunch of markers which didn’t quite make the ’north star’ list, which I’m gong to keep an eye on. These are RHR (resting heart rate), HRV (Heart rate variability), Vitamin D (25 OH) and LDL (bad cholesterol). With the exception of LDL, my measurements are all in a good range for these.

I haven’t quite decided how I feel about LDL. Some people say in the absence of metabolic dysfunction, it’s not a particularly important marker. Others disagree and suggest a high LDL will cause problems. I’m going to continue to look into this.

So, in summary, here are the key markers of metabolic health for myself – along with my own measurements.

A quick caveat. I’ve ignored the normal ranges that are typically advised. Instead, based on my research, I have set what I feel are good and optimal levels for metabolic health.

Body fat / Visceral fat

I don’t have a benchmark or measurement for myself yet. I’m going to get a DEXA scan, which is the most accurate way to measure these. It’s also fairly cheap and non-intrusive.

That said, being able to see your abs is a pretty good benchmark. So, for now, that’s my goal.

Blood Pressure

• Less than 120/80 mm

Right now, I sit a bit too high. My latest readings averaged out at 130 / 66. It’s not disastrous at all, but ideally I want to see that first number much closer to 120.

HbA1C

• Good: < 32.5 mmol/mol
• Optimal: < 21 mmol/mol

I came in at 30.7 mmol/mol. I’m in the good range, so fairly happy with that. Now the goal is to push it below 30 and to get closer to 21.

C-reactive protein (CRP)

• Good: < 1 mg/l
• Optimal: < 0.5 mg/l

My reading is 0.71 mg/l. Again, pretty good and in the good range. The goal is to push lower than the optimal < 0.5 mg/l.

Triglycerides

• Good: < 1 mmol/ml
• Optimal: < 0.85 mmol/ml

My reading is 0.96 mmol/ml. Same story – sitting in the good range, and now need to work at pushing into the optimal range.

HDL cholesterol

• Optimal: > 1.93 mmol/ml

I’m well in the optimal range with a reading of 2.34 mmol/ml here.

What are my immediate focuses for improving my metabolic health markers?

This is a pretty obvious answer for me. The biggest room for improvement (by far) is my diet. I’ve always had a difficult relationship with food and am prone to binge eating. Outside of binge eating, I do time-restricted fasting and eat a mostly paleo diet – high in protein, high in fat and low / moderate in carbs.

The improvement I need to make is to cut out the binge eating. I’m not trying to be 100% paleo. I am fine with the odd treat, and loosening up at weekends. But, right now it feels 50/50 (bad eating / paleo) and I want it to be much closer to 80/20. I need to reduce refined carbohydrates and sugar.

On top of that, I want to get into a habit of stricter time-restricted fasting. Right now, I’m fairly consistent with 8 hours (eating) / 16 hours (fasting). I skip breakfast and eat lunch at about 1PM. My last meal is usually around 8 or 9 PM. But, I drink tea with milk in the mornings, which is technically breaking the fast. Whilst I’m still getting the benefits of consuming fewer calories that tend to come with time-restricted fasting – I’m not getting the fasting benefits. I’d also like to experiment with fasting for 24 hours.

So, my focuses are:

• 80/20 paleo, keeping treats to carefully chosen times and avoiding binge eating.

• Keep to a stricter 8/16 – with a 24 hour fast roughly once a week (evening meal one day, though to evening meal the next day).

If I can only nail the first one, it should have a nice positive impact on my key markers of metabolic health when I next measure them (early March 2022).

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I’m 90 days sober today. It’s a good time to reflect in general.

On the whole, life is significantly better. I feel much better about myself. My mood is better and I have less anxiety. I’ve lost 8lbs. I’m sleeping better. My RHR (resting heart rate) is lower and my HRV (heart rate variability) is higher. I’m almost always in the green with my Whoop scores. I’m training more consistently and frequently than I can ever remember (4-6 times a week) and without injury. All of my health habits are also more consistent – eating, supplements, water, caffeine intake etc.

I know that sounds a lot – almost unbelievable. I’ve written before about how I thought alcohol was the root cause behind my struggle with other things. Too much alcohol on one or two evenings can have a devastating domino effect on other parts of my life. My sleep suffers. My mood is affected. I get anxious. I eat more bad foods. I workout less. I stray from proven habits and routines.

It’s also bigger than each of those individual negative impacts. I lose positive momentum. And then it takes a lot of time and effort to regroup and get back on track. And when I do get back on track, like a vicious circle, it just takes one or two days of a little too much alcohol to disrupt it again.

Is it all good news? Mostly. That said, I still get some low level cravings for a nice glass of red. I’m also still trying to figure out how to feel comfortable in situations with a drinking atmosphere. That’s about it though and the positive benefits vastly outweigh those minor issues.

So, where do I go from here?

I’m going to stop counting days for a start. And then I’m just going to keep an open mind and do what feels right. That might mean never drinking again. It might mean finding a way to drink infrequently and with limits, if I feel I can successful with that. But, right now – it means continuing not to drink for the foreseeable.

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I’ve been keeping track of my net worth for about five years now. It’s been so useful and I just can’t imagine not doing it now. It’s helped inform many decisions around my finances.

Money isn’t everything. But, you need a baseline to ensure a certain amount of stability in life – a roof over your head, food, clothes etc. Without that, life is very stressful.

Ideally, you also have enough to enjoy life too. This is where a lot of people get into trouble and end up living above their means. I’m not talking about that. I’m talking about taking a trip, having a nice meal at a restaurant or being able to buy things that add value to your life.

And lastly, you want to be moving to a position where you are financially free and have a lot of freedom for how you spend your time. This is what we call retirement, but I hate that word. It assumes you work for most of your life and then you stop so you can take walks and do gardening. What it’s really about is being able to have the freedom to spend your time how you want – and if that’s continued to work because you love it – great. If it’s to stop and travel the world – great. And if it’s a mix of both – great!

Tracking your net worth shines a light on exactly where you are. You can’t hide from the numbers. It also makes it clear if you’re going backwards, treading water or moving forwards. That’s invaluable, because it helps to make better financial decisions.

When I first started tracking my net worth, I made it far too complicated and checked it too frequently. Over time, I’ve simplified it and made better decisions on how I classify certain things. I now update it on roughly a quarterly basis.

I won’t go into lots of detail here, but I’m always happy to have a chat about my approach with anyone.

I use a google sheets spreadsheet to track my net worth. It’s not fancy and fits on one tab.

I have the following sections that I track:

Cash

• Emergency fund
• General savings

Investments

• Vanguard – FTSE U.K. All Share Index Unit Trust – Accumulation
• Vanguard – U.S. Equity Index Fund – Accumulation

• Cryptocurrency – Coinbase
• Cryptocurrency – Binance

Property

• House equity (approx.)

Assets (anything we have that is of significant value that can be liquidated)

• Watch
• Car

Owed to us (anything that’s owed to us)

• Hardly ever contains anything!

We owe (anything we owe)

• Credit card

It’s worth noting that I also break out the percentages of each investment, so I can understand my allocation at any one time. If you’re interested in the details of that, see here.

I also have a summary section that summarises the total amount and the percentage of cash, investments, property and assets.

CASH – 1%
INVESTMENTS – 32%
PROPERTY – 61%
ASSETS – 6%
OWED TO US
WE OWE

I’ve put in my real percentages to help show you how this type of visibility helps you make better decisions. Ideally I would like to see less of a weight on property, more weight on investments and a touch more in cash. So, right now we’re looking to build up a bit more in cash and we’re continuing to invest aggressively. That should help shift the weightings over time.

Every quarter I check the accounts and update the numbers to see where things are heading. The exception is property and assets, which I look at yearly. I only make an adjustment to these if I believe things have materially changed. Importantly, I try to be super conservative here, because I never want my net worth to appear higher than it is. I’d rather have a pleasant surprise, than be disappointed.

The only thing I haven’t mentioned is my pension. I track that also, but for some reason I don’t include it in my net worth. I seem to have a bit of a weird relationship with pensions because of the fact that money is locked away and then accessed later in life with some restrictions. That said, I should probably include it in the total net worth number. I’ll think about that.

If you don’t already track your net worth, I’d highly recommend sitting down and mapping it all out. It’s eye opening when you see it for the first time. I think you’ll find it an inflection point for taking more ownership of your finances and making some different decisions.

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There’s no shortage of opinions on what leadership is, and how it differs from management. You can find whole books dedicated to the topic.

I think of leadership as three things:

• Setting and communicating future direction and goals (including the why)

• Attracting and retaining the best talent

• Creating an environment in which people can be successful.

I appreciate there’s alot that sits under those three things. But, ultimately, whatever the level of leadership, it leads back to these three focuses.

For example, if you’re a CEO, it means setting and communicating the overall vision and strategy of the company. You then have to help everyone connect the dots between the near term priorities and the end goal. It also means building a leadership team who will hire the best talent and run the company in a way which gives it the best chance of success.

If you’re managing a small team, it means making the long-term priorities of your team clear and showing how they fit with the company’s overall vision, strategy and goals. You then have to help the team connect the dots between their tasks and the team’s long-term priorities. And lastly, you have to make sure your team has the best talent and is able to get their work done to a high level.

Like I said, there’s a lot of detail that sits under the above three things. But, if you ever feel yourself getting a bit lost in the detail, you’d do well to come back to these three things to help guide what you focus on.

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There are two reasons why everyone should invest.

The obvious first one is to build wealth for yourself. Albert Einstein once described compound interest as the “eighth wonder of the world” for a good reason. If you invest £300 a month at an average of 8% growth per year, you’ll be have more than £1M after a 40 year period (£1,047,302.35 to be exact).

And here’s the kicker, your contributions would only total £144K. This means over £900K is interest!

The less obvious and second reason is that it teaches you to prioritise and focus on the long-term. And it teaches you in the best way – incrementally, by making mistakes.

I bought bitcoin in early 2017, but sold it in early 2018 because it started going down. Yeah, that was fucking stupid. I also bought and sold some tech stocks in that same period, for the same reason. Yep, stupid again. I sold on the dip because I let my emotions get the better of me. I was too focused on the short-term.

I’m incredibly unlikely to make the same mistakes again. I can’t even imagine it. I have 30% of my net worth invested at the moment (mostly index funds, but also some growth funds / stocks and cryptocurrency). If it were halved tomorrow through a market crash, I wouldn’t flinch. I truly believe that. I would just see it as turbulence towards my long-term goal. In fact, I would go as far to say that it might well be the best investment opportunity I’ve ever had. I would remain calm and continue to invest as it recovered (which history tells us it always does).

Investing helped me develop that mindset. When things go wrong (not just in investing, but in life and work), I’m now quite good at remaining calm and taking a step back. I look at the bigger picture, which helps give me the right perspective. And from there, you can decide how to move forward – which might mean doing something different, but also nothing.

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Over the last year, I’ve become more interested in my health. It led me on a journey to better define what good health means – where I came across the term ‘metabolic health’.

What is metabolic health? This is the best description I found:

Metabolic health is having ideal levels of blood sugar, triglycerides, high-density lipoprotein (HDL) cholesterol, blood pressure, and waist circumference, without using medications. These factors directly relate to a person’s risk for heart disease, diabetes, and stroke.

That opened my eyes to a whole new world. I came across stories of people who look really healthy – yet their blood panels showed signs of metabolic dysfunction. I guess it’s similar to a great looking car that breaks down by the side of the road. Things can look great on the outside, but under the hood there might be a problem brewing.

If you take the description of metabolic health above, only 12% of Americans are metabolically healthy. In many cases, these are people who look fairly normal, go to the gym etc. – but they have a heightened risk of heart disease, diabetes, and stroke.

I wanted to find out where I stood. So, I took the plunge and ordered a blood test that checked for 45 biomarkers. The good news was that 98% of my results were in the normal range. That was reassuring, but there were two problems. Firstly, 45 measurements is a lot of things – what are the ones that matter the most? (think 80/20 principle). And secondly, what are optimal levels (not normal) for these. Once I’m clear on these, I can start to figure out what I should focus on to improve my metabolic health.

I’ve started my research. What’s difficult is there are lots of varying opinions. But, so far I’ve narrowed it down to these five northstar metrics:

Blood Pressure

High blood pressure increases your risk of serious problems such as heart attacks and strokes. This one is straightforward, because everyone seems to agree what optimal is:

• Less than 120/80 mm

HbA1C

The HbA1C test is used to identify the concentration of glucose (sugar) in the blood. It gives an average reading of glucose levels over a duration of 2-3 months. The HbA1C result highlights the risk of developing diabetes.

My research led me to a good (not normal) and optimal benchmark:

Good:

Optimal:

Note: the reasons for 3 different measurement types is because different parts of the world use different ones (in the UK we use mmol/mol).

C-reactive protein (CRP)

CRP measures the amount of inflammation in your body. High levels are associated with an increased risk of developing cardiovascular disease and stroke. It doesn’t pinpoint the source of inflammation, but a high number here is going to cause problems down the road.

CRP benchmarks seem to be fairly well agreed upon:

• Good: <1 mg/l
• Optimal: < 0.5 mg/l

Triglycerides

Triglycerides are a type of fat (lipid) found in your blood. It’s important for maintaining energy and provides the fuel for muscles to work. High levels of triglycerides increase your risk of heart disease and pancreatitis.

Again, most people seem to agree on the below benchmarks:

Good

Optimal:

HDL cholesterol

HDL is short for high-density lipoprotein. It works as a scavenger, picking up and carrying away excess cholesterol in your arteries and transporting it to the liver where it can be eliminated. It’s what we call ‘good cholesterol’. High levels of HDL will lower your risk of heart disease.

From what I can research, these appear to be pretty solid optimal levels:

Optimal:

That’s where I’m up to so far.

Next steps:

I have a few other metrics floating around that I need to look into further and decide if they are important enough to be considered a northstar metric for metabolic health (25-OH Vitamin D, Haemoglobin, LDL – bad cholesterol, total cholesterol, resting heart rate, heart rate variability etc.).

I also want to sanity check the above five with some smart people who understand this stuff better than me. Are these the right North Star metrics? Do the optimal levels feel right? Am I missing something?

I’ll cover my progress in the next post. I’ll also eventually bring it full circle and compare my own results to the optimal benchmarks – along with what I’ll be focusing on over the coming months.

P.S. I did the biomarker test with Forth. I highly recommend them. I had all 45 biomarker results with doctors notes within 48 hours of sending off the blood samples. Their platform for viewing and understanding your results over time looks super good too. And they’re really affordable too at £139!

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