150 comments

My Unexpected Journey to Hormone Replacement (TRT)

As a man of Science, I’m supposed to hide my enthusiasm about this somewhat controversial subject, and instead direct you only to the peer-reviewed studies. 

But man, I feel like I’ve stumbled upon the fountain of youth here. And the more I dig into the details and the hype and controversy surrounding the field of Hormone Replacement therapy, the more I need to share the word about it to my fellow middle-aged people (both men and women). 

But first a quick backstory:

I’ve been interested in optimization and trying to get the most out of my body and mind since I was a little kid. I started vacuuming up all the training and nutrition books and magazines I could find while I was just a teenager, and that field still remains a favorite of mine over 30 years later. And if you’re a long-time reader here you’ve been reminded plenty of times of this interest, because health has always been the very heart of Mustachianism.

But a funny thing has been happening in the last ten years: even as I kept honing the healthy living habits and trying my best to improve, there seemed to be a force pulling me back almost as hard. So despite working a bit harder and smarter every year, I still felt myself riding a gradually declining tide of energy, motivation, and physical stamina. 

“Perhaps this is just what it means to grow old”, I thought to myself, 

“But I’m still gonna keep fighting it!”

Yet there was one thing that didn’t quite fit. Why was I having this decline in energy, when some of my older friends weren’t? And why was I still seeing people out there in their 50s, 60s and well beyond doing things that I felt too tired to do today?

One of these tireless friends is a guy named Kevin, who is the personification of the highly energetic successful middle-aged man. He’s a semi-retired serial entrepreneur (and extreme rock climber) who lives in Boulder.  And through an interesting twist of fate, in April of 2025 he invited me out for a hike right around the time I was doing all this wondering. And during this hike (and climb) he told me about his latest venture, a boutique men’s health company that specializes in helping men just like us get their youth back through the process of testosterone replacement therapy.

Kevin even showed me the (literal) ropes of climbing Boulder’s Flatirons mountains for the first time

Long story short: his ideas planted a seed in my head, which led to a bunch of research and a growing interest in trying TRT myself. I had of course heard about the process, but for some reason never considered doing it until I heard Kevin’s enthusiasm: he had been on it for several years, and according to him it is a “night and day difference” in all the things you want in life: energy, focus, thinking speed, and of course physical health.

This is the key slide from a presentation Kevin’s company gave on TRT. Yes, it sounds like hype when you present it this way, but these are just the physiological  properties of Testosterone itself, not just TR therapy. Which is why it’s such a valuable thing to try to maximize the hormone.

Another convenient twist of fate is that I happen to be dating an REI doctor – a Reproductive Endocrinologist and Infertility specialist who has two board certifications in exactly the relevant bodily systems that are affected by these hormones. And while she was initially skeptical that I needed more Testosterone (and in her practice she regularly sees the downsides of men taking the stuff too early in life and thus compromising their own fertility), she has followed along and helped me learn at each step of this process, eventually becoming fully in support of the program.


So I signed up as a test customer for Kevin’s new company, which is called Bolt Health. I worked with their doctor to get a baseline blood test and review my numbers compared to all the past tests I’ve collected, and as it turned out, my levels had been dropping consistently over the years, and the latest test was by far the lowest ever. 

Even more telling, my age-related drop in Testosterone was correlating perfectly with my decline in energy and motivation:

These are my total T numbers from blood tests dating back to 2012. The “free” testosterone number is actually even more important than total, but it usually correlates pretty closely under normal conditions.

The next step was a prescription for a tiny daily dose of supplemental T, which arrived at my house the next week along with instructions for how to use it. And so began the journey.

Now let’s jump forward seven months to the present day as I write this.

And wow, what a great year it has been! I only wish I had known and tried this a few years earlier, because I’m getting a lot more out of my life. 

It’s not a night-and-day difference for me, but more like a 50% boost in overall youthfulness and energy. The biggest subjective change is that I just don’t have sucky tired days anymore, which was the main problem with my life before: wasting too much of my precious freedom due to not having the energy to enjoy it.

This is why I’ve become somewhat of an evangelist for hormone replacement therapy for people from about age 45 onwards. It won’t work for everyone – if your levels are already pretty high, you don’t get the same boost. Two of my male friends tried TRT and quit because they didn’t notice any benefit. But these same two guys already had plenty of energy to begin with, which is usually a sign that the body has what it needs.

TRT’s Sketchy Reputation

It turns out I am very late to this party. Although Testosterone supplementation started out as a niche practice in the 1940s, from the 2010s onward it has been everywhere.

TRT is the reason you see every actor suddenly showing up buff overnight for their superhero roles and it’s also why so many of today’s CEOs don’t look anything like yesterday’s CEOs.

 In many cases, it has gone too far with young men using it just to gain muscle for the beach or the football field, and questionable online providers (aka “Prescription Mills”) handing out prescriptions to anyone with a valid credit card – with profit as their sole motive. It became overhyped in certain pockets of Bro Culture, where every Bro eventually receives the advice “Bro! You need to get on the T!” from another Bro, and therefore does it. And some of this reputation surely contributed to my own skepticism.

But there’s a lot of valid science behind TRT, if you’re the right candidate and you take the right dosage. And because of that, I feel it is probably under-hyped in my own demographic, the Nerdy Tech Worker Semi Retired Dad contingent. And that’s why I’m writing this blog post, because there are a lot of us out there. 

Many of us just tend to work with what we were given, and accept that aging means slowing down. And for those of us already enjoying an early retirement, we have the option of unlimited rest and recuperation time, so who really cares if we get tired a bit more often? After all, what better way to flex one’s wealth than with a decadent Tuesday Afternoon Nap while everyone else is stuck in the office?

While this seemingly healthy attitude has a lot of positive aspects, it can also mask a real problem which may be easily fixable. Because sometimes, the only thing that’s even better than an afternoon nap, is having the energy and motivation to go out for an afternoon hike, bike ride or adventure with friends. More energy is also pretty darned useful if you’re still raising kids or trying to do well in your career as a person over 45.

How it Actually Works (and What Happened to Me)

Distilling all of the fluffy discussion above into the simplest possible answer: TRT means using a tiny needle to inject a few drops of clear liquid just below the surface of your skin. And you do this by yourself at home, ideally once every morning.

Here’s one of the baby needles I use for my daily dose.
The typical serving is less than one tenth of a milliliter, which is only a few drops.

And while the term “needle” sounds scary to some, this is very different from the monstrosities they use to draw blood from your veins. This one is so miniature that you don’t need special training to use it, and you usually don’t even feel it.

So I began doing this to myself on May 1st of this year, while keeping a daily journal of my results along the way. The results seemed to be almost immediate in all the promised areas, but I know how powerful the Placebo Effect can be so I kept my skeptic’s hat on to see what would happen in the long run.

I was seeing increased energy and motivation as well as lean weight gain through the whole spring and summer, but I remember the first truly shocking observation happened during a mountain vacation in July. I was part of a multi-family trip with lively adults, chaotic kids, early mornings, late nights with a few drinks, very intense high altitude sunshine and nonstop physical activities. It was just the type of situation that would drain my energy pretty quickly in the past. 

But on day three I went out on a solo mountain bike ride to explore the area, and as I was climbing a long ascent with the blazing sun cooking me from every angle I just somehow kept having plenty of energy to keep climbing. Then I came down and joined the group for a few games of full-sun pickleball, biked back up the mountain to our cabin, and the story of unlimited energy went on from there.

“Hot Damn”, I thought to myself, “I don’t know whose youthful and tireless body I have inherited here but I’d sure like to keep it!”

In August, the Bolt Health program scheduled a follow-up blood test for me and sure enough, my Testosterone levels had been boosted from 415 to 730ng/dL, bringing me from the low side of normal to the higher side.

 Many labs define “normal” as anywhere between 300 and 1000, which seems strange to me given the huge effect this hormone has on your wellbeing. It’s a bit like saying “Most cars have between 90 and 300 horsepower, so it doesn’t really matter what engine you have” 

I mean yeah, either one will still get you down the road, but which one would you rather be driving?

Since then, it has just been more of the same good results. My improvements ramped up and then just stayed there – so I’m operating at a new, much higher and more enjoyable level of functioning. Energy and motivation are no longer a problem, and I even find myself willing to make longer-term plans again (before this everything beyond same-day planning felt overwhelming). And my body seems to just want to gain strength and size with any excuse. Heavy weights feel lighter and the hard manual labor I still like to spend my time on feels easier for longer. It’s nice to be young again!

Far more bountiful energy made for an action-packed 2025!

So Why Doesn’t Everyone Do This?

When you dig into the details, hormone replacement is mired in a soup of both real and incorrect information about both its benefits and its risks. And then our well-meaning medical establishment locks this whole container of soup deep in the cabinet with a label that says, “Needs Further Study”. But if you summarize the findings on both sides of the issue, you’ll see this:

Stuff you should do BEFORE trying TRT:

The modern American Lifestyle is a Testosterone and Health Crusher. It’s a miracle that anybody feels good ever with the crap that people do to their bodies. So if you’re not already doing all the simple, natural, outdoor things that naturally boost your health, energy, and hormone levels, you’ll want to start with these first. You can find a pretty complete list on my oft-cited Badassity Tracker page.

Since I was already doing all of these things pretty consistently, I felt ready to take the next step and at least consider hormone supplementation. But wait, there’s more!

Risks of TRT:

  • Decreased fertility for men hoping to conceive
  • Increased production of red blood cells, which may increase the risk of blood clots for people with certain risk factors (a good provider should screen you for these risks before prescribing)
  • Potential worsening of certain prostate conditions if you already have them
  • Mood fluctuations and acne, especially if the dosing is way off.

The Importance of Dosing:

Many of the problems above are more likely to appear when the body is flooded with too much testosterone. In the bad old days, TRT was administered by sticking a pellet beneath your skin or injecting a large amount into the butt which then gets used up over the next several weeks. One friend recounted a story of extreme moodiness when the pellet was first implanted, ramping down to tiredness by the time the hormone was all gone.

More modern providers like Bolt have fixed this problem by breaking the dose into much smaller servings which you administer each day. The idea is that your levels remain stable, and you need a lot less overall which reduces side effects.

For my part, I have not had any of the negative side effects because I was a pretty ideal candidate in the first place: 50 years old with depressed Testosterone levels but an otherwise healthy lifestyle and no risk factors.

The Internet TRT Police

My hope in sharing this article is to be transparent and hopefully take some of the stigma out of this subject of other people who might benefit. Because in our modern over-connected world, everybody has an opinion on your life, even when you didn’t ask them.

A member of the Internet TRT Police stepped in on Twitter as soon as I mentioned this idea there.

And it’s not just men – many women in this same age group benefit from Estrogen replacement (and there are even interesting stories about female testosterone supplementation in certain situations as this author shares). The point is that aging is normal, but in some cases there’s a pretty easy way to make it slower

How Much Does this Cost?

The great news is that Testosterone itself is a cheap and widely available substance, typically under $50 per month even for people like me without conventional insurance or drug coverage. The expensive part (here in the US) is just the doctor stuff – consultations, blood tests, ongoing analysis and prescription renewals and so on. 

The company that I used is positioned as a premium provider, bundling these services along with a bunch of other men’s health perks and deliveries for a few hundred dollars, which is expensive relative to most other parts of my budget, but still cheap if I consider the life and financial benefits of being 20-50% more energetic and productive. 

If you want to be on this program, your final decision will hinge on your income, insurance coverage if applicable, whether your existing doctor can already help you, and how much service and advice you’re willing to pay for. 

Note: I decided not to become a Bolt health affiliate because I wanted to write this article without conflict of interest. And I can honestly say, Bolt’s product and service seem great to me because I know and trust the people who run it. But  it’s also the only one I’ve tried. So I don’t know much about the competition and there may be other good options out there. At the very minimum, you can always try one service and switch to another if you don’t like the first one.

The Bottom Line

I’ve got lots more to say on money and early retirement, and lots of interesting projects in the works now too. So I’m thankful to have stumbled upon this booster for all aspects of life, so I can do more of everything else, for even more decades than I had expected. 

I wish this same type of good fortune for you, however you create it.

In the Comments: Do you have questions about hormone replacement or anything else in this article? I’ll try to invite Kevin, Dr. Sean Bender and other knowledgeable people to contribute and answer questions as well.

Further Reading:

Is testosterone therapy safe- Take a breath before you take the plunge – Harvard Health (2024)
Cardiovascular Safety of Testosterone Therapy (aka the TRAVERSE Study) (2023)
TRT – Association with Mortality in High Risk Subgroups (2023)
Bolt Health website – if you do decide to go with this company, be sure to ask for their best discount even though it’s not related to me.

  • J December 15, 2025, 7:54 pm

    Alternatives like tonkat, fadogia, peptides, and compounds that boost luteinizing hormone exist, and seem to not have the risks of trt. Did you study any these?
    Also, did you consider any solutions/compounds to address energy/focus/motivation in other ways? Bromantane would be a relatively low risk example of this, upregulating enzymes that build dopamine, which may indirectly boost T by lowering prolactin.
    Thanks for sharing.
    Cheers

    Reply
    • Mr. Money Mustache December 16, 2025, 8:57 am

      Yes, I totally agree with all of this – learn about and try alternative options, ideally by reading the original science papers rather than Bro Scientists (myself included) and be careful about the expensive supplement industry and it’s $69.99 bottles of pills making big claims.

      AI tools like Gemini and ChatGPT can be quite good at digging up and summarizing scientific research and including links to the studies which you can then go review.

      In my case, I’ve tried pretty much every one of the supplements over the years in the spirit of experimentation. Aside from generic Adderall, which I take in a tiny dose to help with severe ADHD which ALSO boosts my motivation noticeably, real TRT has had the biggest noticeable benefit to me when it comes to external stuff I put into my body.

      Other things that are not drugs that also have huge positive effects for me: daily weight training, sauna (x2 if combined with cold plunge), lots of laughing IRL with other human beings that I care about, and oddly enough, MANUAL LABOR, especially in the form of building new things. There’s something profoundly uplifting about combining both my brain *and* body to their limits, ideally in my outdoor workshop, for hours on end to express creativity and build new things.

      Reply
      • Matt C December 16, 2025, 11:56 am

        I’m a pharmacist, in my 40s- T is pretty low but I keep considering this.

        Can I ask why you say it is best when you are age 45 or older? As in, is there a specific reference that you came to that conclusion from? I myself am 40, but my T is around 200. I’m trying to weigh the pros/cons of waiting it out vs starting sooner. I exercise at minimum 3 times a week, weights or boxing/kickboxing, have a good work-life balance, etc, etc. Currently using 7-Keto DHEA and NMN as a temporary fix.

        Reply
        • Mr. Money Mustache December 16, 2025, 5:19 pm

          I think the main reason they tell us to wait until later is because of fertility: TRT can permanently reduce this, so as long as you reach the stage of life where you’re sure you don’t need more kids, that worry goes away.

          The other thing is symptoms: some men function just fine on lower levels of testosterone, apparently because their receptors just work better. So you need a combination of both low T *and* the symptoms of it to be an ideal candidate.

          Reply
        • Bryan December 17, 2025, 4:45 am

          This is my third post on this topic. I’ve never posted this much on one of Pete’s articles..haha! Pete’s the best, no hate on TRT but I am a Clinical Pharmacist (Pharm.D) also my friend. TRT is alluring, yes? But you know better than to do it don’t you.

          Reply
        • James December 17, 2025, 9:28 am

          As a 41 y0 who also had results near 200 when I started TRT about three years ago, I can tell you that you’ll never know until you try it for yourself. It’s really hard to know whether you have symptoms or not, because you can’t just transfer yourself into someone else’s body to see how they feel on a regular basis. Like MMM, I just assumed I was tired all the time because I had three kids, a stressful job, and I was getting older LOL.

          But I gave it a shot (pun intended), and it has made a huge difference for me. Just one man’s testimonial here.

          Reply
        • Patrick December 18, 2025, 4:12 pm

          I started taking it around 34 YOA, basically as soon as I was done having children, and its been great. If you T is in the 200’s I wouldn’t wait unless you were sure you had children on the horizon.

          Reply
          • Mr. Money Mustache December 19, 2025, 8:58 am

            Another thing I should have mentioned is now that I’m immersed in the fertility doctor world, I see child-having a bit differently. If you’re a man or especially a woman hoping to have children a bit later on, there is a strong case for banking your eggs and sperm NOW, because they are at the highest viability they will ever be – they decline with age.

            The downside is that while sperm banking is easy, egg extraction is a bit more invasive and expensive, and there are often prescription drugs involved. Still nothing compared to the harsh miracle of actually growing and delivering a baby though.

            Egg and sperm banking and IVF are relatively expensive, although some higher quality health plans cover them as as an insured expense. If I were an unmarried 30-year old right now who was hoping to start a family at some future TBD date, I’d look into the banking option.

            Reply
      • Aardvaark December 19, 2025, 4:26 am

        It seems like you know this based on you saying “and then go review them” but in case anyone else reading your comment doesn’t; ChatGPT and other AIs can be good at summarizing scientific consensus, but can also completely make up studies, and won’t tell you which, so you do absolutely have to go double check on an external source to make sure its talking about a real study.

        Reply
    • Sue December 20, 2025, 5:11 pm

      Many GPs are understandably cautious and often won’t prescribe testosterone beyond low “reference range” levels. That said, there’s solid evidence that appropriately dosed and medically supervised hormone therapy can be beneficial for people with clinically low levels.

      I’m a woman on HRT and have seen objective improvements, including bone density. In my family, my husband and three adult sons (ages 36–76) are on testosterone, prescribed and monitored by a physician, with regular labs.

      The literature supports this approach when clinically indicated: testosterone therapy has been shown to improve bone mineral density and lean mass, and in some men, quality of life and metabolic markers—without clear evidence of harm when properly monitored.

      Sources include NIH reviews, Endocrine Society clinical guidelines, and articles in JAMA and NEJM, all of which emphasize careful patient selection, dosing, and follow-up rather than blanket rejection or casual prescribing.

      Reply
  • Jared December 15, 2025, 8:01 pm

    First TRT. Next, you’re going to be driving an SUV to the grocery store.

    Reply
    • Mr. Money Mustache December 16, 2025, 9:00 am

      Hey, I admit that it happens sometimes! If you count the Tesla Y as an SUV. But it’s still only about 5% of the time because I have a great bike + bike trailer and live less than 2 miles from the grocery store.

      Plus the mood boost from outdoor exercise is even more powerful than the TRT, so I can’t afford to give up that energy boost either!

      Reply
      • Jared December 17, 2025, 11:32 pm

        I’m glad you are feeling more ambitious and energetic on TRT. However, I thought this was going to be an April Fool’s article. This is a significant departure from the Mr. Money Mustache persona I knew from 2011, where the mantra was “go hard or go home.” I’m not sure if you are planning to compete in any athletic events, but the use of exogenous testosterone in any form is considered doping and strictly prohibited by WADA (World Anti-Doping Agency). Please let us know if you need a punch in the face. No judgment here, just surprised.

        Reply
        • Mr. Money Mustache December 18, 2025, 8:39 am

          I’ve been really surprised that some of the longer time readers have found this post to be outside of what they thought my values are. Of course I have always advocated going hard to make the most of your health – it says so right in this article!

          But what if you’re doing everything and your energy is still sliding, and then you learn it might be because of an easily correctable medical condition?

          Do you just swear off even TRYING the treatment because you’re too much of a badass? (And then settle for working hard from 7am to 1PM and napping/lounging away the remaining eight hours of the day as I had been doing?)

          Or do you embrace the idea in the spirit of experimentation, giving it a try and then keep it if it works and dump it if it doesn’t?

          I really don’t see where the controversy is here. HRT is a totally normal treatment which is already helping tens of millions of men and women in the US alone.

          Reply
          • Jared December 18, 2025, 3:04 pm

            The controversy is that testosterone is a performance-enhancing drug that may need to be taken lifelong and has associated financial costs and health risks. It’s a bit like driving a Dodge Durango SRT Hellcat, which is why I am surprised to see you write this article. TRT can definitely make people feel better, but so does alcohol, marijuana, oxycodone, and stimulants. All these substances should be used sparingly in very specific situations. I am glad that you are feeling much better on TRT, and I am sure you will make the best decision for your particular situation, but TRT is certainly not without controversy. https://academic.oup.com/jcem/article/103/5/1715/4939465

            Reply
            • Guy December 21, 2025, 1:16 pm

              I’m not sure what point you are trying to make here.

              MMM’s whole article is full of conditionals, equivocation and exhortations to consult with professionals and not start buying and popping pills. He’s at pains to ensure that he’s not overreaching. He seems to have been working with doctors throughout the process. He is clearly only speaking to other men in his own age group, not to every Tom, Dick and Harry.

              Is it just because you find it ‘unnatural’ for someone to take any external medication? If so, I sympathise. I had similar reactions to ADHD medications. Until I took them myself.

              I would love more than anything else in the world to not be needing medication for ADHD. When I say I’ve tried, trust me, I do not say that lightly. But years of being stuck in second gear, or feeling like a car that’s simultaneously on the throttle and the brakes, it drains on you.

              @Pete, I’m happy for you. I hope you will continue to be healthy, and hope that the higher energy levels will also lead to more blogging in 2026!

          • Andrew C. December 24, 2025, 7:37 am

            You mention you have tried everything but your energy was still sliding, hence why you started the therapy. From reading your posts over years, it’s clear you do plenty of exercise and eat healthy foods. However it also sounds like you push yourself a lot , take adderall, etc. Do you also drink a lot of caffeine, stay on screens and devices into the evening, or do other stimulating activities that our bodies have not done for 99.9% of our 300,000 year evolutionary history? Mainly asking because I have had issues with low energy levels and by reducing some of these stimulants and resting more in the evenings before bed, it has made a significant difference.

            Reply
  • Billy December 15, 2025, 8:04 pm

    really! have you goolged the negative effects? “Taking testosterone can lead to several negative effects, including increased risk of heart attack and stroke, mood swings, acne, and changes in cholesterol levels. Other potential side effects include sleep apnea, increased body hair, and changes in libido.” I’ve noticed taking testosterone has become a real fad among successful middle age men.

    Reply
    • Mr. Money Mustache December 16, 2025, 9:03 am

      Of course I read up on TRT before subjecting myself to it! Not just by googling but by reading the papers (newer research is more positive than the old stuff), and, as noted in the article, discussing it at length with my hormone-specialized physician partner. It has been incredibly valuable to learn all this stuff at this stage in my life.

      “Changes in libido” is funny to list as a side effect, because it’s typically an increase. Although I guess there are some relationships where this could be perceived as a negative if it is not shared by your partner. In fact, this is just one reason why HRT for women is often a relationship improver in older married couples too.

      Reply
    • Kevin Dahlstrom December 16, 2025, 12:23 pm

      Hi Billy,

      Most of those negative effects are myths from the body-building era. In the past few years, a bunch of new studies have come out that suggest the opposite: Reduced risk of heart disease and all-cause mortality and no increase in the risk of cancer, stroke, etc..

      Guys on a proper microdosing protocol rarely report side effects—but they do report feeling dramatically better.

      Here’s a great podcast to check out, with a doctor who is the head of urology at Baylor College of Medicine:

      https://podcasts.apple.com/us/podcast/rena-malik-md-podcast/id1709412238?i=1000706966415

      Reply
      • Ben N December 19, 2025, 9:58 am

        With respect Kevin, you cannot just make claims about what “a bunch of new studies” show WITHOUT citing those studies in your comment because you may be spreading misinformation without knowing it and without those studies it is difficult for anyone to check your work. The most robust evidence I could find from a cursory search found men on TRT for hypogonadism (i.e. clinically low testosterone) had the same risk of cardiovascular outcomes or all-cause mortality as placebo users (https://pubmed.ncbi.nlm.nih.gov/38589271/)(https://www.nejm.org/doi/full/10.1056/NEJMoa2215025), which does not support the claim that you made.

        Reply
  • Mihai S. December 15, 2025, 8:31 pm

    I am a 32-year-old male considering Testosterone Replacement Therapy (TRT) due to naturally low testosterone levels, currently around 250 ng/dL (which is just above the clinical limit).
    My primary reservations are the requirement for daily injections and the need for frequent monitoring of blood markers for the rest of my life.
    It’s important to note that TRT’s negative reputation often stems from its misuse in bodybuilding, where dosages typically exceed 250 mg of testosterone per week.

    Reply
    • Mr. Money Mustache December 16, 2025, 9:08 am

      I’m not qualified to speak about the factors for an individual situation like yours, of course. But personally, I find the daily DIY injections to be a fun part of my morning routine. For me, it feels like a little affirmation ritual of “I’m taking this day seriously and am going to go out there and get the MOST of it!”

      The blood tests are the same way. As far as I know, there’s no excessive predetermined amount you need to be doing after the three tests of the initial diagnosis and ramp-up, and we should all be getting one at least once a year anyway (and keeping them in a tracking spreadsheet which will gradually get more interesting as you get old like me)

      Reply
    • Michael Jobson December 16, 2025, 2:31 pm

      TRT makes you feel so good it’s something I look forward to. Though personally I use it three times a week as the ester I have been prescribed has a 1 week half life. So more regular administration yeilds diminishing returns. Realistically the only concern is your fertility, if you want children it can become vastly more complicated/impossible.
      Good luck

      Reply
  • Tom Kinsky December 15, 2025, 9:38 pm

    Unsure about this but willing to discuss it with my PCP.

    Reply
  • Mark D December 15, 2025, 10:38 pm

    I’m 55 and started TRT about two months ago. My total T was down to 273. Felt pretty useless most of the time. The anxiety, lack of confidence and fogginess were down right depressing. Even dark thoughts! But I’m feeling much better now. I do just .5 ml per week per my PCP. Do you inject in leg or butt area? I’ve heard the thigh is easy but sounds more painful to me. The syringe I use seems pretty large. My wife says it’s tiny but I think it’s bout the size of a fire hose when I look at it. :D

    Reply
    • Mr. Money Mustache December 16, 2025, 9:11 am

      Any updates on your new levels so far or subjective/objective changes?

      After trying all the subcutaneous sites I could find on an online diagram, I settled on the little part where the leg is about to become the butt – easy to see and reach, and not subject to the “mosquito bite” type irritation that the injections tended to cause in other areas sometimes. Also, with all the lean muscle effects of TRT, this is one of the only soft parts I have left to stick a needle :-D

      Reply
  • greg doney December 15, 2025, 11:17 pm

    I am really keen to know the exact type of testosterone used, as this doesn’t sound like intramuscular but just injected into the fat layer under the skin.

    Reply
    • Mr. Money Mustache December 16, 2025, 9:13 am

      That’s correct – small mini needle that only reaches into the skin layers. And this is Testosterone Cypionate, and I think Bolt is passionate about using MCT oil as the substrate rather than more typical cottonseed oil.

      Reply
      • greg doney December 17, 2025, 3:33 am

        thankyou!
        I am in Australia, and the labs and T we can get are different. I will take a look at this as I have dosed peptides this way and it’s super easy and convenient!
        Awesome! love your work

        Reply
        • greg doney December 17, 2025, 3:40 am

          ok I already have Testosterone Enanthate, can I use this in the same way? The base is sesame oil rather than cottonseed, and I’m with you on MCT that would be way better!
          Kindly
          greg doney

          Reply
  • Frank December 16, 2025, 12:00 am

    I’m a doctor from the uk where we are probably a little bit more sceptical of this.
    I’ve seen it do wonders for some men but the vast majority of people who ask for it want a quick fit for there lack of energy. They don’t want o acknowledge that they are obese, never do any exercise and eat shit.

    They tell me they have no energy to exercise. They don’t want to hear that they have no energy because they don’t exercise.

    In the same way hrt can do wonders for women. But it won’t solve all the underlying issues with your life

    In both cases people look for a quick fix and need to acknowledge that this may not be it

    Reply
    • AJ December 16, 2025, 8:18 am

      Do you respond similarly when your obese patients ask for GLP-1 agonists?

      Reply
      • Frank December 16, 2025, 2:09 pm

        In the uk the nhs has strict criteria as to who can and can’t have them.

        I’m not against weight loss jabs, but people need to be aware that they also work by increasing muscle loss as well

        Reply
    • Mr. Money Mustache December 16, 2025, 9:17 am

      It’s true and it’s a bit of a paradox. Humans will ALWAYS want the shortcut even if it’s not the best thing for their long-term health (observe the the trend of the automobile being used for even walkable/bikeable distances!)

      This is why I was sure to include in my article that I was already maxing out all of the natural good-for-you things and it still wasn’t enough for me.

      On the other hand, certain treatments like GLP and TRT and even ADHD meds can help a person get out from a deep slump and actually have the mojo to go out and do those other things, which makes it a compounding effect rather than a replacement for good behavior.

      For example, the obese patient whose food/sugar addiction is tamed by Ozempic, who then loses enough weight to enjoy walking outdoors again. Or the tired depressed person who starts feeling good again with hormone replacement and suddenly feels like going to the gym every day.

      Reply
  • Aaron December 16, 2025, 3:48 am

    Bolt health has to be the most insanely priced pill mill (because yes, they are another telehealth pill mill) of them all.

    $499 a month for trt? Do you get a reach around with that? Im paying $78/mo where I go. What a ripoff this place is.

    Reply
    • Mr. Money Mustache December 16, 2025, 9:24 am

      I was an early test customer so I got an extended free trial in exchange for helping them work out bugs in the customer experience. But you’re right, while their price is less than $499 after discounts, it’s a lot of dough for an average-income person! I think Bolt is going for higher income people with a more white-glove experience.

      For example, I got a lot of doctor time and they have paid for all three blood tests, which I normally have to cash-pay at $200+ for in my normal life. They also offer other prescription and off-the-shelf drugs included as part of the subscription plan, a program Kevin calls “Bolt Boosts”. So they could definitely not even break even at $78 or even $150/month.

      Still, once you know the basics and have the blood work done, I agree that just self-administering a bit of Testosterone with occasional doctor supervision does not have to be expensive.

      At the other end of the spectrum, there’s a new trend of Longevity clinics which cater to the ultra-rich and charge something like $5000 per MONTH for the full Astronaut Medical Team experience. That’s not for me, but there are a lot of people with infinite money out there and if they want to spend it on health services, I’m not here to judge them.

      Reply
    • Kevin Dahlstrom December 16, 2025, 12:27 pm

      Hi Aaron,

      I’m the founder of Bolt. We are the opposite of a “pill mill”. We do comprehensive blood testing, provide a high level of personalized medical care (pill mills provide zero), and the price includes everything — medication, supplies, medical care — delivered to your door. We also now provide Bolt “Boosts”, which are additional medications for optimal health and longevity. That includes GLP-1s for weight loss, ED meds for sexual performance and longevity, and peptides for a variety of uses. It’s all included.

      Think of Bolt as a concierge longevity service for me. Given everything we provide, it’s an insanely good value!

      Reply
      • Dan P December 16, 2025, 7:49 pm

        But what’s the value beyond the solution?

        Why stay subscribed to $500 a month, when you only need $50 for what’s being administered?

        Reply
      • Benjamin Ecks December 17, 2025, 8:32 pm

        Where do we find information about the Bolt Boosts? I couldn’t find anything about it on the website.

        Reply
        • Mr. Money Mustache December 18, 2025, 8:43 am

          Great question Ben – Kevin really needs to get these added to the Bolt website. I’ll send him this feedback, but meanwhile with his permission I’ll paste the list here with his permission, which their subscribers received in one of the email newsletters:
          —–
          Here are our first four Boosts:

          🚀 Low-dose tadalafil (Cialis) for ED, longevity, and cardiac health. A recent study found a staggering 22% reduction in heart attacks and strokes, and a 30% reduction in all-cause mortality for men on PDE5 inhibitors like tadalafil.

          I’ve always said that erectile dysfunction (ED) is a “canary in the coal mine” for men’s health and this study confirms it, concluding that, “ED represents an independent risk factor for the development of future clinical cardiovascular events.” Several Bolt members have tried low-dose (2.5mg/day) tadalafil, and—in addition to improved sexual performance—they report better workouts.

          🚀 Peptides for health, performance, and recovery. Many Bolt members have asked about peptides—they show enormous promise, but clinical data is limited. Bolt has begun offering peptides like BPC-157 (the “Wolverine” peptide for injury recovery, gut health, and inflammation) and Sermorelin (to restore youthful growth hormone secretion).

          🚀 Microdosing of GLP-1s. These new drugs have proven to be effective for weight loss and they also show potential for longevity. There is evidence that microdosing GLP-1s may be nearly as effective as a full dose, with a lower risk of side effects.

          🚀 Management of your existing prescription medications. Bolt can take over management of your current meds to ensure everything works together.

          If you’d like to learn more about any of these Boosts, just contact us at [email protected] to schedule a consultation with a Bolt doctor.

          Reply
    • John December 17, 2025, 9:45 am

      Hi Aaron,
      Please cite your provider’s name, since we are starting with knowledge that Bolt is the baseline.

      Reply
  • Fred December 16, 2025, 5:57 am

    Interesting. I know very little about this topic, but as I read my thoughts immediately went to the evolutionary biologist Robert Sapolsky and his book The Trouble With Testosterone. I would encourage you to go down that pathway and add it into your thinking. I’m curious what the Bolt people would say to these arguments.

    It has been some time since I read the book so I got some LLM summaries to refresh me on why many evolutionary biologist consider testosterone an expensive biological tax. I’m going to paste some of it here:

    In the wild, maintaining high testosterone levels is akin to driving a car with the engine red-lining. It provides short-term power for mating and fighting, but it wears down the machinery (the body) much faster.
    Here is a breakdown of the specific evolutionary costs Sapolsky and other biologists highlight, focusing on the immune system and metabolic “taxes.”
    1. The Immunocompetence Handicap
    This is the central theory explaining why high testosterone is costly. The “Handicap Principle” suggests that because testosterone suppresses the immune system, only males with superior genetics can afford to maintain high levels of it.
    The Trade-off: Energy is finite. The body must choose between investing in survival (immunity, cell repair) or reproduction (muscle mass, aggression, mating displays). Testosterone forces the body to prioritize reproduction at the expense of survival.
    The “Honest Signal”: High T features (like a peacock’s tail or a stag’s massive muscles) are “honest signals” to females because they are dangerous to possess. The male is essentially saying, “Look at how strong my genes are—I can handicap my own immune system with this much testosterone and still be standing.”
    Parasitic Load: In wild primate studies, males with the highest testosterone often have the highest burden of intestinal parasites. Their immune systems are less efficient at fighting off low-level infections because their energy is diverted elsewhere.
    2. Metabolic & Physiological Costs
    Beyond just the immune system, high testosterone extracts a heavy toll on the body’s daily maintenance.
    Metabolic Burn: Testosterone is metabolically expensive. It forces the body to build and maintain lean muscle mass which burns calories at a much higher rate than fat. In a food-scarce environment (which is most of evolutionary history), having high T is a risk; you are more likely to starve during a famine.
    The “Good Cholesterol” Crash: Testosterone generally lowers HDL (good cholesterol). Sapolsky notes that this is one reason why males across many species die younger than females. The hormone that helps you win the fight today clogs your arteries for tomorrow.
    3. Behavioral “Taxes”
    High testosterone lowers the threshold for risk-taking, which carries a direct survival cost.
    Injury and Mortality: High-T males are more conspicuous and more likely to engage in risky confrontations. In the wild, “winning” a fight often leaves a victor injured, making them susceptible to infection (which their T-suppressed immune system is now less equipped to fight).
    Parental Investment: Evolutionarily, there is often an inverse relationship between testosterone and parental care. High T drives mating effort (seeking new partners) rather than parenting effort (caring for offspring). In species where offspring need high investment, high T can actually be an evolutionary disadvantage if the offspring die from neglect.
    Summary of the Trap
    The “trouble” Sapolsky identifies is that while high testosterone might help a male pass on genes (by winning a mate), it actively works against his staying alive.
    The Irony: Pro-TRT (Testosterone Replacement Therapy) arguments often frame high T as the key to “health” and “vitality.” From an evolutionary standpoint, nature views high T as the exact opposite: a calculated health risk taken solely to reproduce before you die.

    I hope this is good food for thought and discussion. Thanks for your years of great blogging MMM!

    Reply
    • Mr. Money Mustache December 16, 2025, 9:31 am

      This is super interesting and I hadn’t thought of testosterone through that lens before. The only things I know enough about at this moment as a counterpoint are:

      – newer studies including the ones I linked show that higher T (going from a shortage to a high-normal range) *improves* the immune system rather than suppressing it. It’s also cardioprotective rather than increasing risk of heart attack

      – having more energy and motivation from my experience can make you a *better* partner/mate because raising kids is a shit-ton of hard work, as is going out there to earn a living

      – But I do also buy the theory that if you go too far and end up excessively “Alpha” it could raise the tendency for mate-seeking.

      It seems that one needs to find healthy medium because too little of the “Testosterone package” of attributes is also a huge problem for men.

      Reply
      • Kathleen Coco December 17, 2025, 5:59 am

        Many interventions in healthcare exist as a smile graph. Too much or too little can have poor outcomes.
        It seems a new era that many of us are looking at lifespans of more like 90 years. The healthspan idea of maintaining vigor and sharpness seems to be important to most people. It makes sense to me that improving healthspan with TRT would be beneficial to many people. Evolutionarily we were all dead by 60 or earlier on average.

        Reply
        • Fred December 17, 2025, 12:30 pm

          Good point. We are most definitely living well past evolutionary end points in the modern era.

          And the doses of T we are talking about here may be much smaller than what a silver back gorilla in their prime has flowing through their tissues.

          To bring this around to personal finance, I’m around the same age as MMM and experiencing many of the same mid-life crisis thoughts and feelings as he describes here. Buying a mid-life crisis sports car is dumb. Spending that money on *legitimate* medical therapies (as I hope T injections prove to be) to improve my everyday enjoyment of older age seems worthwhile.

          Reply
        • Emil December 17, 2025, 3:05 pm

          On average, yes. Because of infant and youth mortality, and wars. But the life expectancy for those lucky enough to make it to middle age, really have not changes nearly as much as the overall average.

          Reply
    • Kevin Dahlstrom December 16, 2025, 12:31 pm

      Hi Fred, while that’s an interesting theory, all the recent research suggests the opposite. Guys on TRT have lower all-cause mortality and lower rates of cardiac events, etc. The reason is because T is foundational to metabolic health.

      Reply
      • Paul Finnigan December 16, 2025, 8:31 pm

        Hi Kevin, would you be able to post links to some of those studies that you’re referencing here for folks to read?

        Reply
      • Chris December 22, 2025, 10:46 am

        You keep saying this in multiple comments, but you have yet to provide a link to anything.

        Reply
  • Scott December 16, 2025, 6:27 am

    A slightly amusing, and not uncommon, spelling error: “certain prostrate conditions” should read ‘prostate’

    Reply
    • Mr. Money Mustache December 16, 2025, 8:45 am

      Thanks Scott – fixed. You’d think that spell checkers would become smarter given that AI can out-lawyer a lawyer these days. But nope not quite yet :-)

      Reply
  • Liface December 16, 2025, 7:43 am

    I’m puzzled. You got TRT and your T was already above 400? And you only went to 730 and claim outsized results?

    I’m skeptical of confounders here. Studies typically do not show significant differences inside of the normal range.
    https://datepsychology.com/the-testosterone-blackpill/

    Blood levels do *not* represent linear or exponential increases. That’s why they call it a normal range.

    Reply
    • Ricky December 16, 2025, 8:00 am

      Placebo effect?

      Reply
    • Mr. Money Mustache December 16, 2025, 9:36 am

      I agree with your skepticism – the Placebo Effect is real and it’s big.

      My only counterpoint is that I’ve also tried every *other * Testosterone boosting thing with the earnest belief that it would help me, and none of them had any noticeable effect. Then when I tried the real stuff, the results were just so obvious and so consistent every damned day, that I was forced to accept it, despite the lack of my body counting as a controlled trial.

      One actual numerical difference is that I keep gaining lean weight and strength, just as advertised. I’m up almost ten pounds to 200 now, without changing my training! (or arguably working out a bit less because of all the travel over the past six months.)

      Update: I went through and read that “Date Psychology” article you linked, and while his premise was quite surprising and counterintuitive to me, I was also quite interested in the rest of the website too! Interesting place. Long scientific articles on things like “The most and least attractive male hobbies”

      Reply
    • Kevin Dahlstrom December 16, 2025, 12:35 pm

      Hi,

      I’m the founder of Bolt. There is a massive clinical difference between a T level of 400 and 700+. Remember that the lab range is based on men of all ages and all health status’ (i.e. an obsese and sick population). A healthy man like Pete should be in the upper third of the range, but for a number of reasons T levels have declined across the board.

      That said, most of our customers feel best in the 800-1000 range.

      Reply
  • Christine December 16, 2025, 8:18 am

    As a perimenopausal woman, progesterone has been a complete game-changer. The “research” showing increased risks of cancer, heart disease, & stroke was done poorly & mostly in women 10 years or more past menopause. I sleep better, have more energy, fewer food cravings & less moodiness since starting. Truly life-changing.

    Reply
    • Mr. Money Mustache December 16, 2025, 9:40 am

      Yes! I’d like to hear from more women about this stage of life. My partner the physician has explained a few of the similarities and differences between male and female hormones during Menopause and what I call Manopause, but I haven’t got them straight enough in my mind to comment at all yet.

      Other than the fact that it is probably UNDER-prescribed among women, simply because not everyone visits the doctor regularly to ask about symptoms and seek solutions.

      Reply
      • Fil December 16, 2025, 12:55 pm

        By manopause, do you mean andropause ?

        Reply
        • Ryan December 18, 2025, 1:46 pm

          Make some of these comments are borderline insufferable. Pete, I’m glad you found some treatment. Life is too short to feel shitty for most of it.

          Reply
          • Ryan December 18, 2025, 1:47 pm

            Man* not make. It doesn’t need to be more insufferable!

            Reply
    • Marcia December 16, 2025, 10:53 am

      Yep – I’m on the estrogen patch and progesterone pills. I wish I’d done it sooner than I did. I basically adjusted the dose with my PCP until the itchy ears and dry skin went away.

      Reply
      • Louise December 16, 2025, 12:09 pm

        I’m female, 51, tried estoegen patches and progesterone for 5 months. Made no difference to any aspect of my life. Maybe it’s too early? I have no symptoms.

        Reply
      • Kathleen Coco December 17, 2025, 6:09 am

        What is the “itchy ears”? I have seen this symptom here and there and wonder how it relates to E&P? Does producing slightly more sebaceous secretion work to alleviate itchy ears???

        Reply
  • Kay December 16, 2025, 10:37 am

    As a 54-year old woman who has been on BHRT for over a year (and is still working to reach optimum levels), I have to laugh at the skeptical and negative comments. I’ve immersed myself in books and research surrounding hormone replacement for a long time now, and many of the risks are overblown or misunderstood. There are SO many benefits to optimizing one’s hormone levels, including the protection of cognition, heart health, and bone health.

    Here’s a list of books for women to check out:

    “The Menopause Brain” by Lisa Mosconi
    “The New Menopause” by Mary Claire Haver
    “The Menopause Moment” by Kelly Casperson
    “Estrogen Matters” (2024 edition) by Avrum Bluming & Carol Tavris
    “The Perimenopause Survival Guide” by Heather Hirsch

    I’m on estrogen, progesterone, and testosterone. T is the most recent addition and the one I have the most hope for, as my symptoms are fatigue, muscle weakness, and lack of motivation. Low libido, too. I just switched to a new provider, Defy Medical, who was willing to prescribe a much higher dose than my last doctor, so hopefully I’ll get my levels up and start feeling better soon.

    (Also, I was so excited to get this blog post in my inbox. I love it when worlds collide!)

    Reply
  • JP December 16, 2025, 10:40 am

    So the more you take of this, the less your body produces. Are you cool with this? Just know you are now on a journey where you’ll be on it forever. I’m going to pass.

    Reply
    • Mr. Money Mustache December 16, 2025, 5:44 pm

      This was my biggest hesitation during my research and consideration phase: am I willing to open a door I’m unlikely to ever close?

      If you quit TRT, your system does eventually rev back up again, but then at best you’re back to where you were before you started. And thinking back to those blissful Testosterone Soaked earlier days when you were on the treatment, so not many people who see great benefits will ever quit.

      So here was my eventual realization: I’ve only got one life to live, and at age 51 my next ten years are an absolute gift where I still have the body of a teenager. But my energy and motivation were seriously compromising this opportunity. They were truly not normal for such an otherwise healthy person.

      So I tried it out and I’m thrilled that it actually WORKED! I’m back to the me I want to be. Given the precious and fleeting nature of life, making the most of it is worth pretty much anything it takes.

      TRT done right should *extend* my life expectancy… but even if it hypothetically shortened it: would you rather live 30 fantastic years or 40 tired, sad ones where you wish you had more energy?

      Reply
      • Thomas December 21, 2025, 2:14 pm

        Billy Markus on human behavior:
        “People are not rational. They are rationalizing. Once you understand this simple fact, all the oddest human behavior will suddenly make way more sense.”

        Reply
  • Marty December 16, 2025, 11:13 am

    I’m not unfamiliar with it but how is your blood pressure/water retention with TRT? Any impact?

    Reply
  • Zac December 16, 2025, 11:13 am

    Great article, and glad to hear your enthusiasm! Men should of course be aware that TRT can mess with your PSA levels (prostate cancer screening). My other concern (and the main reason I’ve been reticent about it) is the potential to suppress your own natural T production, which of course works on a feedback loop. So putting it exogenous T means suppressing your own HPG axis, meaning less endogenous T production. Thoughts on this longterm?

    Reply
  • Adam Johnson December 16, 2025, 11:27 am

    Male 53yo, I’ve been on it for about 18months. My numbers were low-normal (low 300’s). I do 2 injections a week, numbers climbed to mid 700’s and now sit at 950-1000 for my last two tests. Very happy with results. No downsides.

    I also tried multiple different natural supplements, strength training 3-4x week, high protein carnivorish diet, no real effect.

    One thing to keep in mind is the T range for healthy males is based on population averages, and the “healthy” range has been adjusted down significantly over the the past 20-30 years as our population health has tanked in the same period.

    For those younger folks that still want kids, look into Clomid or enclomiphene as alternatives. Also look up Dr Gabrielle Lyon for lots of great info from an MD.

    Reply
  • Dennis December 16, 2025, 11:31 am

    Great article for us 45 and over guys. I do have a question (without googling it myself just for info for other readers) I dated a girl for a handful of years who was a RMA in a Urology clinic for over 20 years and she told me that testosterone replacement if not needed or in older men even with low levels can fuel cancer especially in people with a family history of it. Have you read or heard this yourself? Thanks, Dennis.

    Reply
  • Rob G December 16, 2025, 11:32 am

    Reply
  • Carrie December 16, 2025, 11:36 am

    Interesting stuff. I’d love to have all that energy. I cannot afford $500 a month at this time so not an option for me at this time. (At first I thought u said it was $50 a month which could have been a possibility.) Anyway, I have followed several different carnivore individuals and groups for about 15 years now and have seen some amazing changes reported by people following that lifestyle. Including very dramatically increased testosterone levels just by eating meat and nothing else. Old guy carnivore on youtube has a video about his increased levels as an “old guy” after changing his diet. He also has plenty of tips and advice to get started. Zeroing in on Health on Facebook has some amazing personal testimonies. Dr. Ken Berry on youtube has a lot of good information, not sure if he has videos specifically about testosterone or not. Hope everyone finds something that works for them.

    Reply
    • Mr. Money Mustache December 16, 2025, 5:48 pm

      Hey Carrie – the actual hormone is not expensive, so if you have access to an existing doctor who has the knowledge to understand your symptoms and test your levels and prescribe it, you may be able to do it very affordably.

      Definitely try all the other things first too – if your training and nutrition and lots of outdoor time can bring you to a state where you LOOK super healthy, you’re usually on a good path to balanced hormones and good energy. If all that stuff still doesn’t work, there may be more to look at in the hormonal balance.

      Reply
  • David Ann Arbor December 16, 2025, 12:07 pm

    I heard Human chorionic gonadotropin can also be used to boost testosterone.

    Reply
  • KZ December 16, 2025, 1:18 pm

    I guess the emphasis now is on the mister and not the money aspect any longer. This is called scope creep. Also ironic/humorous that this was published on the day the FDA announced approval for post-menopausal women’s libido-boosting drug.

    Reply
  • Steve L December 16, 2025, 1:54 pm

    I started using Function Health (not TRT related company)) about a year ago which they do comprehensive blood testing 2 times a year for $500 and it picked up that my T was really low for 50yo so I brought it up to my PCP and he said we can try it if I felt I had symptoms and it was a major game changer for my mood and energy levels. I didn’t know it could affect mood for the good but I am telling you it was a HUGE difference. I used to fly off the hook very easily in a discussion/argument with anyone but especially with my teen daughter, but now I am very calm and never lose it. It was the weirdest thing but I am so happy I am doing it. I do have to donate blood because my hematocrit levels were getting elevated but I do that anyways so no big deal.

    My energy levels are way better as well and I am back to doing a lot more projects around the house and getting out more.
    Since I was already not producing much T (previously diagnosed with hypogonadism) it isn’t a problem that HRT reduces regular production. I actually knew way earlier in life that I couldn’t produce sperm or at least enough for fertilization but I didn’t realize that I also wasn’t producing testosterone. Wish that doctor back then told me about it.

    I think it is definitely something older men or men with hypogonadism should look into if they are having similar issues but do your own due diligence.

    I highly recommend trying Function Health for semi-annual blood/urine tests. Super easy to schedule and visits are fast. I would have never known about it otherwise.

    Reply
  • Eric December 16, 2025, 2:02 pm

    Good article. For me, the mood change is the biggest drawback. I too happen to talk to the founder of a TRT company who tried to talk me into it.

    The biggest thing I don’t like is the people that are taking it. The guy was in great shape, made sure that I knew he had millions of dollars, and had a beautiful girlfriend next to him, who he had no problem talking down to in front of a guy he just met.

    If I go from the nice guy to the ultra competitive a**hole, that doesn’t show up in a lab test. I’m not sure whether I would blame my agitation on the current circumstances or the hormone.

    It’s not possible to quantify in a lab. I would need to poll the people around me regularly to see if they had noticed any changes to make sure I wasn’t taking things out on them.

    Reply
    • TRT Dad December 17, 2025, 4:49 am

      I had similar concerns prior to starting trt a couple months ago. I have three children 6 years old and under. Kids can really test one’s patience, and I was concerned that increasing my T levels would cause me to have a shorter fuse with them. Since going on TRT, I have found the exact opposite to be true. My patience with my kids is exponentially higher. I’m significantly kinder to both my kids and my wife. I have noticed that I’m slightly more direct and more apt to speak up at work. With increased confidence, I have noticed that I have a little less concern for how others may think of me. It is a mild effect.

      Reply
  • Dharma Bum December 16, 2025, 2:06 pm

    I’m 66 years old, so the T boost therapy ship has pretty much sailed. Nothing but Twinkies and Beer for me know, LOL.
    Still trying to get to one pull up. Got the dead hang up to 45 seconds.

    Reply
  • Patrick Folsom December 16, 2025, 5:31 pm

    I’m skeptical so I quickly looked it up on Nutritionfacts.org and here’s what Dr. Greger has to say:

    https://nutritionfacts.org/hnta-video/the-risks-of-testosterone-therapy/

    It’s important to note that where there is money to be made, there will always be corrupt scientific studies.

    Reply
    • JD December 17, 2025, 6:42 am

      Thank you for posting this – actual facts and sensibility in a world of bro-science.

      Reply
      • Robert December 17, 2025, 8:12 pm

        What now? Have you actually watched the video or read the transcript?

        Here are the first 3 sentences from the transcript:

        > What are the downsides of men taking supplemental testosterone? Medical practitioners are encouraged to inform men that it may make them less faithful. This is a theoretical concern based on the fact that higher testosterone levels are correlated with higher levels of sexual infidelity, as is larger testicle volume, as measured by a Prader orchidometer.

        So, to recap, the “facts and sensibility” you are so pleased with start off with “tell men that that there is a *theoretical* possibility (as in no data, just speculation) that if they take supplemental testosterone they *might* tend towards marital infidelity.” I don’t see any actual facts there, or sensibility for that matter.

        Now, from a quick perusal of the site, it seems like an overall good site. The fact that it is a registered charity and not some for-profit operation is certainly positive. But that doesn’t make them immune to serious bias, which appears to be a possibility given that the first “risk” that is presented is a speculative guess.

        Reply
  • J December 16, 2025, 6:23 pm

    Legitimate question and one I imagine a lot of guys wonder about. Does it shrink your testicles? If so, is that permanent? I feel like this would bother me and be one of the scarier things.

    Reply
    • Mr. Money Mustache December 16, 2025, 6:55 pm

      I’ve read that it can happen, and it’s more prevalent at higher doses (I’ve also read that you can counteract that effect if desired with additional drugs, and/or that they do reactivate if you were to stop treatment)

      Having said that, anecdotally myself and the other men I know on this treatment haven’t noticed any such effects. But also, much like fertility and the ability to conceive children, certain things matter less to you when you get older anyway.

      Reply
    • AnonGuy December 17, 2025, 3:44 pm

      Hopefully not TMI:
      I took 50 units a week for 6 months and mine shrunk by at least 2/3 (more than half the size)! They told me to take Clomid but couldn’t see much of a difference. Been off for almost a year and still not back to original size. Honestly I kind of liked them being smaller than they were but 1/3 the size was too much.. even though I enjoyed all the benefits of TRT.

      Reply
  • Jeremiah House December 16, 2025, 6:40 pm

    Did you do any research on dosing daily versus once or twice a week? My concierge physician has me on twice per week and I’m curious about how it might affect me if I switched that to a daily smaller dose. Any insights you have?

    Reply
    • Alain December 17, 2025, 12:48 am

      Testosterone cypionate (most common, what MMM is using) and enanthate (another commonly used ester) have a half-life of around 10 days, meaning that 10 days after your dose about half of it will be left. After a few weeks of weekly dosing the levels stabilize (you can math this out using mg if you want). There’s zero reason to dose daily. I actually tested twice-weekly dosing vs weekly with blood testing and there was no difference in my levels. Weekly is more than fine and you won’t notice any fluctuations. It’s pretty common for people to dose every other week, but weekly is more than sufficient to maintain consistent levels.

      Reply
  • Nik Johnson December 16, 2025, 6:52 pm

    So between you, Brad and Carl we need a Fi Beefcake Calendar 😊. Keep up the good work buddy!

    Reply
  • Steve C. December 16, 2025, 7:18 pm

    MMM/Pete – just wanted to drop in here whilst you’re reading the comments and say a big thank you for creating your site and your advice and inspiration which I’ve followed for many years to the point that I’ve announced my retirement this March, Age 50. For any new readers, I highly suggest reading the archives (my favorite is still the article on the Saturday spent with your son with the homemade pizza in the oven after the home haircut). My wife and I embraced your advice and philosophy and it worked?! So, again, thanks – now, off to do some pushups.

    Reply
    • Mr. Money Mustache December 17, 2025, 7:10 am

      Awwa, thanks Steve! Congrats on your early retirement and all the other good stuff in your life.

      It’s funny you mention that article – I remember writing it and thinking it was just a fun joyful snapshot of a happy night. But later, I saw some angry somewhat popular wannabe-financial personality made a podcast or youtube episode where he read it out word-for-word and said “Horrible advice! This guy is a quack!”

      It hurt my feelings a bit, and I never did get his point. If anyone happens to find this episode, feel free to link it here. Meanwhile, here’s the article Steve is talking about:
      https://fundpulse.live/2019/11/18/pizza-delivery-is-for-millionaires/%3C/a%3E%3C/p%3E

      Reply
  • AO1 December 16, 2025, 7:27 pm

    Thanks for the article and documenting your journey. After reading your article I made an appointment to see my Dr. to get my bloodwork done. I’ve noticed the fatigue, brain fog and general lack of energy and motivation. I’ve been struggling at work with motivation, I had thought it was because I’m close to finally pulling the plug now I’ve reached my FIRE number. Perhaps I do have low testosterone and the anxiety, lack of motivation, etc. are because of that. I hope by going on TRT I don’t decide to work longer :)

    Reply
  • Jenny Coffey December 16, 2025, 7:34 pm

    MMM I love this for you! I prescribe bioidentical hormone replacement therapy every day and I see it change lives, save marriages, reverse diabetes, treat sleep apnea, reduce joint pain, get people back in the gym, improve cholesterol, not to mention the incredible mental health benefits. Lots of controversy out there.I’ve done my fair share of training and I can say with confidence that it does not increase stroke or heart attack risk (in fact, it helps prevent). If you would like to learn more- Dr. Abraham Morgentaler is the man when it comes to debunking a lot of TRT misinformation. Thank you for sharing with others! I know it’s a sensitive topic and controversial but it is literally life changing medication!!

    Reply
  • Pete December 16, 2025, 7:36 pm

    Thanks for posting this.. 46 yrs old, been on TRT for 2 years, first with pellets, but now with torches and it’s amazing! I feel more confident, energized and stronger. Not for everyone but worked for me.

    Reply
  • Tara December 16, 2025, 7:57 pm

    I’ve been on HRT for years now because if I don’t take it, I have intense depression, anxiety and fatigue. Unfortunately I can’t afford a fancy concierge service to do lots of blood tests and optimize my levels, but at least I am functional. My energy is not where I would like it to be but at nearly 60, I’m happy I can still at least cycle and do yoga regularly. Hopefully at some point I will be able to fine-tune things.

    Reply
  • Paula Amato December 16, 2025, 8:02 pm

    Longtime reader and also an REI. Probably know your girlfriend.🙂

    Reply
    • Mr. Money Mustache December 17, 2025, 7:01 am

      What a fun coincidence! And yes I’ve heard the REI doctor community is quite tight-knit. There are surprisingly few of you – only about 1300 in the whole US, with only a few dozen who graduate annually? I feel quite lucky to have one of my own ;-)

      Update: yes she says she does know you quite well.

      Reply
      • Paula Amato December 17, 2025, 7:32 am

        Feel free to reach out. Would love to reconnect.

        Reply
  • kp December 16, 2025, 8:04 pm

    1. Happy you have posted recently was wondering if you retired from the blog. 2nd as a long time reader and someone hitting 60 in a couple of months this was really interesting info. I had a heart attack about 4 years ago – but had managed to claw back and run a couple of half marathons before a series of injuries made working out tough. Knock on wood I have been lifting weights again regularly for a few months and walking quite a bit but once I am sooo tired I sleep several hours a day and have zero energy. Frankly I am tired of feeling like crap and wonder if I could benefit from this. Couple questions – how do I even get a bench mark of what my testosterone level is now and does Dr Kevin know of any side effects or avoidance if you have had a prior heart attack and are taking statins and couple of other meds related to. I have been on a plant based diet and also started adding more protein to the diet but I swear sometimes the first nap of the day starts at 10:30 am…

    Reply
  • Bryan December 16, 2025, 8:10 pm

    As a long time reader and fellow FIRE advocate you’ll get no judgement from me. For me personally as a Doctor of Pharmacy (Pharm.D.) and a man in your age range, I am too concerned about risk of stroke, prostate cancer, and heart failure. The risk to benefit ratio is too high for me. Not that I wouldn’t want to. I too see the CEO’s, and movie stars when they’re on and off it, and it looks good. I just don’t want to have a disabling stroke at 65 or die from prostate cancer. Man has always looked for the fountain of youth. But that is just my opinion for myself. You, and all other men and women do what’s right by you to live a long, productive, healthy life.

    Reply
  • Joe December 16, 2025, 8:38 pm

    I’ve heard other guys who have tried this have lost their hair in clumps. Have you seen any evidence of this?

    Reply
  • Zack December 16, 2025, 10:14 pm

    Hi MMM!

    Thank you for the thoughtful article. I am not that far behind you on the ole timeline and have noticed I tend to feel pretty spent after a day that 10 years ago didn’t phase me much. I’ve made great strides in my diet and exercise habits and count myself as a rather healthy person. One concern I want to ask you about, in your research what impact TRT have on kidney health? I only have one kidney, but would like to put on maybe 5-10 pounds of muscle over the next few years. Could you point me to any information you’ve run across?

    Reply
  • Sendug December 16, 2025, 10:59 pm

    Attia had someone on his podcast to talk about this a few months ago I think. I remember them saying that an important first step is to make sure you’re doing all the other things right and aren’t mineral deficient. Sleep and diet definitely affect it, as do magnesium and vitamin D levels. At 46, I started magnesium and D supplements a few months ago and do feel a bit of a difference in sleep health and energy levels. Haven’t taken the T step yet.

    Reply
  • Jon December 16, 2025, 11:52 pm

    Are you concerned that you’ll have to take this for life? I haven’t read up on this lately but I recall hearing that it can interfere with your body’s ability to produce its own testosterone so you then become dependent on the shots.

    Reply
  • Matt December 17, 2025, 12:32 am

    This would be a more believable email/post if it did not repeatedly reference and link to Bolt health, along with the founder chiming in left and right on comments. Do you really think the readers who initially started reading your posts back in the day are not bright enough to see what this is?

    Reply
    • Mr. Money Mustache December 17, 2025, 6:55 am

      Well, I suppose people can think what they want but I’m not getting any kickbacks from this. I provided two links to Bolt health but also mentioned there are many other ways to get treatment, and Bolt is certainly not the cheapest.

      Also, people that know me well (Kevin included) will know that I don’t sell out just to make money. Which is why I chose not to become a Bolt affiliate, which would have surely been an easy little windfall.

      Any credibility I can build and maintain by continuing to write MMM articles truthfully over the decades is worth far more than any money I could make by compromising my values.

      If you ever see me recommending AG1 (Athletic Greens), who has an astonishingly generous affiliate program and seems to approach every single content creator quite aggressively *THEN* you’ll know I’ve sold out! :-D

      Reply
  • Andrew December 17, 2025, 1:15 am

    Please take care. In the context of Antagonistic Pleiotropy, TRT is a risk because it prioritizes immediate performance – a youthful trait – over long-term “durability” – a longevity trait. Evolution designed high testosterone to help you win a mate at 25, not to help you live to 90. By artificially sustaining levels that nature intended to drop, you may be unwittingly opting back into the “live fast, die young” evolutionary strategy.

    Reply
  • Tom December 17, 2025, 1:37 am

    TRT can sometimes be OK but it is way way over-prescribed today.
    I would be super careful about advocating this as a generic treatment for anyone. We are still dealing with a lot of unknown unknowns.

    And come on… if you do it, please talk to an actual doctor. There are way better MMM ways to do this than spending 500$/month with an unregulated company trying to make a quick buck.

    Reply
    • Mr. Money Mustache December 17, 2025, 6:49 am

      Agreed – be careful and read the studies follow the recommendations of real doctors.
      Did you catch the part in the article where I’m lucky enough to be spending a *lot* of my time with a doctor who specializes in this exact area? ;-)

      Also, Bolt Health does care about the science behind it and has a real, trustworthy MD you work with directly. But it’s also not necessary to spend $400 per month or whatever if you just want TRT – their package is for people who want a lot more than just that. Getting Bolt Health just for a TRT prescription is like buying a Mercedes just to drive to the grocery store.

      As I mentioned in the article, you can get Testosterone generically for less than $50 per month. As long as you have access to the medical expertise to use it safely and monitor your blood tests over time. Ideally an existing primary doctor who has known you well for years and is willing to work with you on it.

      Reply
  • Sam December 17, 2025, 1:56 am

    Wait until you discover the world of peptides!

    Reply
  • Marc N. December 17, 2025, 2:58 am

    Another thing to keep in mind is that many hormones are highly dependent on how much thyroid hormones you have. If they are low, they will be low too (e.g. if you have hypothyroidism). Low testosterone could also just be an expression of low thyroid hormones, so get those checked first.

    The way to think about thyroid hormones is that they are the “gas pedal” of your metabolism. Higher levels, more energy and motivation. Lower levels, the opposite.

    If you go to the doctor check for TSH (which is an indirect marker of thyroid hormone levels) AND T3, which is the active thyroid hormone (often not checked).

    Reply
    • EscapeVelocity December 17, 2025, 2:43 pm

      Great point and should be highlighted! Getting my TSH fixed was a game changer in terms of managing weight, motivation, mood, etc. I’m a distance runner so I’m leery about bulking up with Testosterone. I also find it very weird that RFK never takes his jeans off – does TRT only bulk up your upper body and leave your legs behind?

      Reply
      • Mr. Money Mustache December 18, 2025, 8:19 am

        Great point about thyroid hormones – they are yet another thing that often goes haywire in us middle aged people (especially in women after the massive changes that come with child bearing).So it is another thing you’d want to verify before resorting to TRT, which I feel is kind of a last resort.

        Also, haha I had to look up this “RFK never takes his jeans off” thing because I had never heard of it. Apparently he has been photographed wearing jeans to the gym. And that made me laugh because people once made fun of ME for doing squats in jeans too (https://www.instagram.com/p/B994ZIMHd67/) … the reason is just because sometimes you’re in the mood to lift and you don’t feel like changing your wardrobe.

        The real answer is that Testosterone increases the body’s tendency to add muscle regardless of the body part of course. Some people (including me) enjoy squats and think they’re the most important exercise, regardless of hormone status. There is no quicker path to giving your body the benefits of weight training!

        Reply
  • Dom December 17, 2025, 5:05 am

    Thanks for sharing your journey. Always enjoyed following your updates on health as I’m a lifter and passionate about fitness. Keen to know whether you are eating a lot more and if this plus the TRT has supported your muscle gain? Still on paleo style too?

    I’m in UK and been on Cypionate for a few months so still very early and am assessing as I go. Aged 42.

    Took me 5 years to make the decision after sustained low T levels (as in below the NHS and BSSM guidelines) and SSRI prescriptions but in the end my how I felt and acted was negatively impacting my job performance and marriage, so reluctantly I went private. Initially GP doc was surprisingly supportive after seeing blood results but NHS Endo advised I should get more sleep….so private best/fastest route for me.

    Should note I’m healthy and always have been physical and a gym goer with around 14-16% body fat and a good degree of muscle. This was definitely not about aesthetics for me and as yet haven’t seen any gains/benefits in that area at all. Definitely felt improved energy though.

    The company I go through are very professional and also very cautious about wanting me to remain at healthy levels of testosterone, within the guidelines and nothing extreme, which I like. I’ve got young kids and this is potentially for the long haul so minimalist risk is a win.

    Plan to watch and wait and monitor as objectively as I can and give this at least 6-12 months before making a decision.

    Have to vainly admit I have a full head of hair and am nervously watching my hairline for signs of it disappearing lol. If you are foolish enough to read various forums it sounds as though it’s hard to maintain head hair and be on TRT….we will see!

    Thanks again for your openness

    Reply
  • Martin December 17, 2025, 6:14 am

    Hey MMM,
    First let me say that I am a massive fan of your blog and the great education it provides.
    I am concerned that your article doesn’t mention an important aspect of TRT, in that you are likely making a lifetime commitment here. Lets say the monthly cost including consultations is $300 x 12 months x 40 years, that’s a $144,000 decision to make.
    My understanding is that once you start TRT the body reduces its natural production of testosterone. So for example if you need to quit treatment after a couple of years because you can’t afford it, then you’ll be left in a worse health position. Some men never fully recover to pre-TRT levels.
    May I suggest adding a section to your article to inform people of the long term impacts of this decision.
    Kind regards,
    Martin

    Reply
  • Kemp December 17, 2025, 6:48 am

    On the “.Potential worsening of certain prostate conditions if you already have them” point, autopsy studies have shown that more than 40% of men over age 50 have cancer in their prostates, with rates increasing significantly in older age groups. For instance, about 36% of white men and 51% of Black men aged 70 to 79 who died of unrelated causes were found to have malignant tumors in their prostate. Cleveland Clinic I wonder whether this hormone replacement therapy would shift the incidence or severity of prostate cancer issues.

    Reply

Leave a Reply

To keep things non-promotional, please use a real name or nickname
(not Blogger @ My Blog Name)

The most useful comments are those written with the goal of learning from or helping out other readers – after reading the whole article and all the earlier comments. Complaints and insults generally won’t make the cut here, but by all means write them on your own blog!

connect

welcome new readers

Take a look around. If you think you are hardcore enough to handle Maximum Mustache, feel free to start at the first article and read your way up to the present using the links at the bottom of each article.

For more casual sampling, have a look at this complete list of all posts since the beginning of time. Go ahead and click on any titles that intrigue you, and I hope to see you around here more often.

Love, Mr. Money Mustache

latest tweets