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/_2CE47cyRMwPlay Wild Racing: https://www.roblox.com/games/137414447181099/00:00 Update and first downvote02:11 Ad results after the rebrand03:16 The engaged-player count05:36 AI-assisted fixes07:55 Translations and green screen10:31 Separate beta places11:25 Localization14:24 Retention and ad spend16:23 What is next17:58 The feedback problem18:40 Beta test and gameplay20:26 A UI fix21:53 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 EXAMPLEStarting 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.CHAPTERS00:00 Can $1 million fund retirement at 38?01:27 The question and the 10% assumption02:34 The full 2008–2021 retirement calculation04:17 Retirement context and borrowing costs05:39 Real estate and personal responsibility08:18 My first investment and what went wrong11:55 Cash reserves and small optimizations13:58 Family, careers and personal returns15:30 Company research: Boeing and Eli Lilly19:05 Age, lifestyle and the retirement plan19:48 Family travel and what money is for22:07 Investment theses, integrity and teams25:31 The final retirement takeaway26:11 Thanks for watchingSOURCES AND CONTEXTS&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.pdfRetatrutide remains investigational: https://www.lilly.com/news/stories/what-to-know-about-retatrutideTheranos context: https://www.justice.gov/usao-ndca/pr/theranos-founder-elizabeth-holmes-found-guilty-investor-fraudBoeing merger history: https://boeing.mediaroom.com/1997-07-31-Boeing-Completes-McDonnell-Douglas-MergerWorthless 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-1Personal 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.com00:00 Brown belt: injuries and almost quitting01:11 The training partner who kept me coming back03:01 Competition and lessons from coaching06:29 Why being on the mat matters07:05 The update: I earned my black belt09:15 Why I left my gym12:55 A black belt and a new chapter14:23 Fundamentals still matter17:42 Finding your own game20:51 Consistency and training partners23:35 Ask better questions to improve29:54 An unexpected end to the belt journey32:14 Injuries, time off, and staying connected37:28 Choosing what matters38:07 Thank you and what comes next38:47 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.CHAPTERS00:00 Introduction00:29 Why I downgraded00:45 Google AI plan value01:38 Subscription vs API access02:03 My Argon experience03:52 Why I still keep Google Pro05:19 The Claude credit surprise07:14 Cloud vs local tools08:34 Which AI plan I would buy10:37 Sol vs Astra in my workflow12:46 My picks and what comes nextThe 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 #ChatGPTWatch 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.com00:00 Building a Roblox game with AI00:53 My first Roblox ad experiment01:51 Core loops and clear game names03:24 Why racing became the focus04:40 Testing and redesigning the tracks06:00 Which AI models worked for me07:10 Building Tidal Caverns09:23 Preparing Wild Racing09:56 Adding Wild Skies11:20 The flight-game demo13:53 Changing controls with voice and AI16:01 Testing and the next steps16:44 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 DISCLOSUREI 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.CONTEXTThis 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 DISCUSSEDStrength & Steel Reviews — Gym Monster 3S vs Gym Monster 2: 5 Big Differenceshttps://www.youtube.com/watch?v=gDwBp7pmdKkExplore my smart-gym comparisons: https://tobyonfitnesstech.comCHAPTERS00:00 Intro00:03 The Buyer Question02:07 My Disclosure03:18 Credit Where It Is Due06:04 Affiliate Disclosures10:21 Bench + Platform13:17 Software Rollout14:48 Generation Vs S Model17:53 The Wider Market20:38 Digital Resistance24:13 Eccentric Training26:16 Starting Out27:32 Final Take29:51 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.CHAPTERS00:00 Intro / Bringing Lilly's Wild Rebellion drawings to life00:40 Blender and what changed in my AI workflow02:27 Building a Roblox prototype with Claude Code04:02 AI progress and my personal view on tech investing06:12 How I choose tools and manage usage08:01 Claude Code and subscription value09:20 Antigravity for everyday questions10:42 Finding files and using MiniMax for audio13:17 Meta, Muse and where free tools fit15:28 Hermes and the contributor tier17:22 AI help with returns and an Amazfit experience20:35 Channel update and what I am building next21:11 Creativity, practical value and AI riskWhat useful thing have you built or solved with AI lately?#AIAgents #ClaudeCode #Codex #BlenderWatch 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.CHAPTERS00:00 Intro / My devices and why I am not upgrading yet01:57 Speediance expands the lineup02:17 Why buying to future-proof can disappoint03:49 Resistance limits and the Ultra06:12 The bar-tilt bug in my workouts08:38 Ultra pricing and my upgrade threshold10:44 Voice control and community tools12:38 Third-party access and the open-source community16:47 API expectations17:31 Gym Nano, VOLTRA and my take on competition23:01 My buying decision and the price ladder26:14 A brief wearable updateWhat would make you upgrade your current smart gym? Let me know in the comments.#Speediance #GymMonster #FitnessTechWatch 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