Toby on Fitness Tech

I renamed my Roblox project from Wild Rebellion to Wild Racing. Here are the real ad results, the player metric I am watching, and what I am changing next.

Recorded October 29, 2026. The rebrand and ads changed together; these observations do not prove which caused the results.

YouTube: https://youtu.be/_2CE47cyRMw

Play Wild Racing: https://www.roblox.com/games/137414447181099/

00:00 Update and first downvote

02:11 Ad results after the rebrand

03:16 The engaged-player count

05:36 AI-assisted fixes

07:55 Translations and green screen

10:31 Separate beta places

11:25 Localization

14:24 Retention and ad spend

16:23 What is next

17:58 The feedback problem

18:40 Beta test and gameplay

20:26 A UI fix

21:53 AI workflow and closing update

Can a 38-year-old retire with $1 million and withdraw $100,000 every year? A long-run average return does not arrive on schedule. I walk through sequence-of-returns risk, my own investing mistakes, emergency cash, researching companies, and what I actually want money to do for my family.

THE HISTORICAL EXAMPLE

Starting with $1,000,000 in 2008, applying S&P 500 total returns (dividends reinvested), and withdrawing $100,000 at each year-end leaves $530,000 after 2008. In 2021, year 14, only $31,443.80 is available for the final $100,000 withdrawal. The portfolio is depleted. The graphics correct my rough spoken estimates; the example lasts 14 years, not 10.

Assumptions: 100% S&P 500, fixed nominal withdrawals at year-end, no taxes, fees or inflation increases. This is a historical illustration, not a prediction or individualized financial advice. Spending changes, other income and a different portfolio change the result.

CHAPTERS

00:00 Can $1 million fund retirement at 38?

01:27 The question and the 10% assumption

02:34 The full 2008–2021 retirement calculation

04:17 Retirement context and borrowing costs

05:39 Real estate and personal responsibility

08:18 My first investment and what went wrong

11:55 Cash reserves and small optimizations

13:58 Family, careers and personal returns

15:30 Company research: Boeing and Eli Lilly

19:05 Age, lifestyle and the retirement plan

19:48 Family travel and what money is for

22:07 Investment theses, integrity and teams

25:31 The final retirement takeaway

26:11 Thanks for watching

SOURCES AND CONTEXT

S&P Dow Jones Indices, historical S&P 500 total returns (S&P 500 column, page 23): https://www.spglobal.com/spdji/en/documents/additionalinfo/sp-3ai-indices-deck-20260302.pdf

Retatrutide remains investigational: https://www.lilly.com/news/stories/what-to-know-about-retatrutide

Theranos context: https://www.justice.gov/usao-ndca/pr/theranos-founder-elizabeth-holmes-found-guilty-investor-fraud

Boeing merger history: https://boeing.mediaroom.com/1997-07-31-Boeing-Completes-McDonnell-Douglas-Merger

Worthless securities tax context: https://www.irs.gov/faqs/capital-gains-losses-and-sale-of-home/losses-homes-stocks-other-property/losses-homes-stocks-other-property-1

Personal investing and travel stories describe my experience; they are not independently audited performance or universal cost comparisons. Original speech and footage with edited graphics and illustrative artwork.

https://tobyonfitnesstech.com

#PersonalFinance #Retirement #Investing

I nearly quit Brazilian jiu-jitsu at brown belt. Injuries, bodybuilding goals, and time away from the gym had me wondering whether I was done. A training partner kept bringing me back.

Then the story took a turn: I earned my black belt, left my gym, and started training at home with the same friend who helped keep me on the mats.

The final chapter of my BJJ belt journey, following the white, blue, and purple belt episodes. Coaching, consistency, injuries, family, and finding your own game.

https://tobyonfitnesstech.com

00:00 Brown belt: injuries and almost quitting

01:11 The training partner who kept me coming back

03:01 Competition and lessons from coaching

06:29 Why being on the mat matters

07:05 The update: I earned my black belt

09:15 Why I left my gym

12:55 A black belt and a new chapter

14:23 Fundamentals still matter

17:42 Finding your own game

20:51 Consistency and training partners

23:35 Ask better questions to improve

29:54 An unexpected end to the belt journey

32:14 Injuries, time off, and staying connected

37:28 Choosing what matters

38:07 Thank you and what comes next

38:47 Thanks for watching

I tried Google AI Ultra and downgraded. In this video I explain why, what I still use Google AI Pro for, the Claude cloud-credit surprise I ran into, and how I choose between the AI tools I actually use for game development and everyday work.

These are my own experiences, recorded October 26, 2026. Prices, promotions, features and usage limits can change and can differ by account or region. The Claude credit and expiry shown belong to my account; check your own Usage page. The project behaviour is what I observed, not a promise about every account.

CHAPTERS

00:00 Introduction

00:29 Why I downgraded

00:45 Google AI plan value

01:38 Subscription vs API access

02:03 My Argon experience

03:52 Why I still keep Google Pro

05:19 The Claude credit surprise

07:14 Cloud vs local tools

08:34 Which AI plan I would buy

10:37 Sol vs Astra in my workflow

12:46 My picks and what comes next

The Gemini API CLI discussion references “Gemini API CLI + Claude Code: Give Your Agent Video, Voice & Music” by AI with Surya, shown in my screen recording.

Which AI plan has been worth it for your own work? Let me know in the comments.

#GoogleAI #Claude #ChatGPT

Watch on YouTube: https://youtu.be/7SbAqizIdzM

An AI Update from Toby on Fitness Tech: I'm building Roblox games for my daughter, and the hard part isn't only getting the code to work. I walk through my first Roblox ad experiment, what it taught me about a clear name and a fun core loop, and why I'm focusing on Wild Racing.

Then I show the redesigned racing tracks, the new Tidal Caverns course in progress, and Wild Skies — a flight game built with AI assistance. I also demonstrate how I use voice prompts to request small changes and spend time testing the result.

This is my recorded development experience and commentary, not a controlled AI-model benchmark or a promise of advertising results. Game features, model availability and release plans reflect the October 25, 2026 recording.

More from Toby on Fitness Tech:

https://tobyonfitnesstech.com

00:00 Building a Roblox game with AI

00:53 My first Roblox ad experiment

01:51 Core loops and clear game names

03:24 Why racing became the focus

04:40 Testing and redesigning the tracks

06:00 Which AI models worked for me

07:10 Building Tidal Caverns

09:23 Preparing Wild Racing

09:56 Adding Wild Skies

11:20 The flight-game demo

13:53 Changing controls with voice and AI

16:01 Testing and the next steps

16:44 The racing loop and upgrades

#AI #Roblox #GameDevelopment

What changes when you compare Gym Monster generations and S models at the same time? As an owner of the original Gym Monster and the 2S, I respond to Strength & Steel Reviews’ “Gym Monster 3S vs Gym Monster 2: 5 Big Differences” and discuss what buyers should check before choosing a smart home gym.

We cover model naming, affiliate disclosures, bench and platform fit, software rollout, digital resistance, eccentric training, and the role of coaching for beginners.

MY DISCLOSURE
I purchased both of my Gym Monsters. Speediance supplied my Strap at no cost; a separate Strap review is still pending. See the on-camera disclosure in this video.

CONTEXT
This is my commentary and personal experience, recorded October 24, 2026. My statements about another reviewer’s payment or gifted equipment are inferences and have not been independently verified. Affiliate links do not by themselves establish a separate paid sponsorship. Check the manufacturer’s current model specifications, pricing and software availability before purchasing. Predictions about future products are speculation.

VIDEO DISCUSSED
Strength & Steel Reviews — Gym Monster 3S vs Gym Monster 2: 5 Big Differences
https://www.youtube.com/watch?v=gDwBp7pmdKk

Explore my smart-gym comparisons: https://tobyonfitnesstech.com

CHAPTERS
00:00 Intro
00:03 The Buyer Question
02:07 My Disclosure
03:18 Credit Where It Is Due
06:04 Affiliate Disclosures
10:21 Bench + Platform
13:17 Software Rollout
14:48 Generation Vs S Model
17:53 The Wider Market
20:38 Digital Resistance
24:13 Eccentric Training
26:16 Starting Out
27:32 Final Take
29:51 Thanks for watching

#Speediance #GymMonster #HomeGym #FitnessTech

Toby compares smart home gyms through the lens of price, resistance, software reliability, subscriptions and workout setup. The discussion covers INNODIGYM OMNI X1 Pro, Speediance Gym Monster, AEKE, Tonal, AMP and Vitruvian, plus audience questions about beginners and accountability.

Recorded October 8, 2026. Personal commentary and a screen-based comparison; not a hands-on test of every device shown. Prices and product details reflect the recording and may change.

Watch the YouTube replay: https://youtu.be/UMCJi_Mkn8w

What do AI agents actually help me do? I walk through my current workflow for turning my daughter Lilly's Wild Rebellion drawings into animation and a Roblox prototype, choosing tools for different tasks, and handling everyday jobs.

Topics include Codex and Astra, Claude Code, Blender, Roblox, Google Antigravity, MiniMax audio, Meta Muse, Hermes, subscription value, and an example of using AI to help with product returns. I finish with my view on creativity, practical value, and AI risk.

Recorded September 23, 2026. This is my personal experience and opinion; model names, plans, availability and prices reflect the discussion at recording time and may change. The investing discussion is personal commentary, not financial advice.

CHAPTERS
00:00 Intro / Bringing Lilly's Wild Rebellion drawings to life
00:40 Blender and what changed in my AI workflow
02:27 Building a Roblox prototype with Claude Code
04:02 AI progress and my personal view on tech investing
06:12 How I choose tools and manage usage
08:01 Claude Code and subscription value
09:20 Antigravity for everyday questions
10:42 Finding files and using MiniMax for audio
13:17 Meta, Muse and where free tools fit
15:28 Hermes and the contributor tier
17:22 AI help with returns and an Amazfit experience
20:35 Channel update and what I am building next
21:11 Creativity, practical value and AI risk

What useful thing have you built or solved with AI lately?

#AIAgents #ClaudeCode #Codex #Blender

Watch on YouTube: https://youtu.be/9JA9pjANcPo

I own the original Speediance Gym Monster and a Gym Monster 2S. Here is my take on the Gym Monster 3, 3S and Ultra, why I am keeping my 2S for now, and what the expanding lineup means for buyers.

I cover resistance limits, upgrade timing, the bar-tilt software issue I have experienced, native and community-built voice control, Gym Nano versus VOLTRA, pricing, and a brief update on Speediance's upcoming wearable.

This is owner commentary based on the product information available on September 23, 2026, not a hands-on review of the new machines. Future models and features discussed are my expectations, not confirmed announcements. Prices and availability shown may change.

CHAPTERS
00:00 Intro / My devices and why I am not upgrading yet
01:57 Speediance expands the lineup
02:17 Why buying to future-proof can disappoint
03:49 Resistance limits and the Ultra
06:12 The bar-tilt bug in my workouts
08:38 Ultra pricing and my upgrade threshold
10:44 Voice control and community tools
12:38 Third-party access and the open-source community
16:47 API expectations
17:31 Gym Nano, VOLTRA and my take on competition
23:01 My buying decision and the price ladder
26:14 A brief wearable update

What would make you upgrade your current smart gym? Let me know in the comments.

#Speediance #GymMonster #FitnessTech

Watch on YouTube: https://youtu.be/txBZRCIcbXA

Purple belt changed how Toby trained because it changed how he taught. This episode covers coaching competitors, tailoring intensity, building a focused game, learning through difficult positions, and how progress comes from teaching others.

Website: https://tobyonfitnesstech.com