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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.

  • Martin December 17, 2025, 7:32 am

    Fellow alpinist and trauma surgeon here…please wear a helmet while climbing ;)

    Reply
  • April December 17, 2025, 7:41 am

    Interesting. A man’s desire to be young, energetic forever and doing all kinds of exciting things, a recipe of great inner tension generation. And the desire to compare to those “better” and want to be comparable in whatever means, including “Scientific”, self-pushing, bla bla bla. I would be curious to see the long-term effects on these “therapies”. It sounds to me a soul that could not make peace in his body. Anyways, it is nice that when people FIRE and they could have the time and energy to pursue things that interest them.

    Reply
  • Jimbo December 17, 2025, 8:02 am

    Testosterone is still a banned substance in athletic events, but many older cyclists use it (for the same reasons you are) and then excuse themselves because they’re just replacing what they lost. On training rides they are crushing younger riders and in races they are crushing their peers. They don’t get caught because their is no drug testing outside of events like national championships. It’s unfortunate that some TRT users aren’t willing to forgo competition and just enjoy the other benefits. As a 56 year old, I’m doing my best to fight aging and haven’t seen the need to go the TRT route. I have no idea what my natural levels are.

    Reply
    • Mr. Money Mustache December 17, 2025, 8:21 am

      That is awesome and I’m glad to hear things are going well in your High Summer Years Jimbo!

      And yeah, as the world’s most profoundly non-competitive person (I feel bad even keeping score in Pickleball) it had not even occurred to me that TRT would be an unfair advantage in things like smaller scale races and sports. That would indeed kind of suck for people who enjoy winning competitions, since it would start an arms race just like it did at higher levels.

      Reply
      • Peter stock December 17, 2025, 4:35 pm

        it never occurred to you?

        “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. ”

        Hey, if it was good enough for Tommy Simpson (look it up you youngins), what could go wrong?

        Reply
  • lacey December 17, 2025, 8:35 am

    Great article and congrats on finding wht works for you! i started HRT (esrtogen / progesterone / testosterone 47F) 5 months ago and the difference in how i feel is simply AMAZING!
    way less brain fog, more energy, gone are the groggy all day days, better memory and mood. there are many peer reviewed studies on HRT and for women, it was taboo due to a faulty study that many ‘experts’ refused to re-examine! couldnt be happier for you – feeling good is the ultimate life and money hack!!

    Reply
  • Michael December 17, 2025, 9:55 am

    Great post, I actually had assumed that you were already on TRT since it feels very on-brand with Mustachianism!

    One thing I’d be interested in seeing a post on is what body composition you plan to target in old age, I’ve read that there’s a general consensus that having a little extra pudge helps reduce the impact of falls and illness. It’s hard for me to stomach that sort of change and accept the tradeoffs!

    Reply
  • Michael December 17, 2025, 10:03 am

    Great post, I actually had assumed that you were already on TRT since it feels very on-brand with Mustachianism!

    One thing I’d be interested in seeing a post on is what body composition you plan to target in old age, I’ve read that there’s a general consensus that having a little extra pudge helps reduce the impact of falls and illness. It’s hard for me to stomach that sort of change and accept the tradeoffs

    Reply
  • WolfTwenty1 December 17, 2025, 10:14 am

    Stick with the natural way as long as you can…Fermented cod liver oil, high fat nuts (brazil nuts), zinc, vitamin D, cold exposure and for god sake look to eliminate seed oils.

    It works for guys like you who are already active but what I’ve seen it only makes it worse for the guy looking for the ‘get rich quick scheme’

    Reply
  • Nate Sharpe December 17, 2025, 10:41 am

    Interesting stuff, thanks as always for sharing! I see you have results going back to 2012 – I just checked and none of my bloodwork has ever included measuring testosterone. Were you getting tests for this as part of normal checkups, or was something else causing you to measure this? I’m intrigued by the Function Health style option another comment mentioned, will have to look into it.

    Reply
  • Gmullz December 17, 2025, 11:00 am

    TRT is an extremely Mustachian endeavour, in my opinion.

    It is the ultimate hack to overcome the depressive nature of the modern world, when nothing else works. As you allude to, free testosterone is likely the most important factor, and high SHBG causes low free testosterone. High SHBG is likely a natural response to living in the depressive modern world. For example, before bears enter hibernation, their SHBG level goes up.

    I am on TRT for high SHBG, and it has been a game changer. The best way to give the middle finger to the physically depressive modern world and keep kicking ass.

    Reply
  • Trent December 17, 2025, 11:17 am

    MMM, you’ve been a Huberman fan for at least 3 years now, so it’s not surprising to me at all that you’ve started using TRT while your testosterone level is still within the normal range. The whole Huberman longevity optimization bro online ecosystem is one of the biggest hawkers of TRT there is. You can’t watch an hour of the content without advertisements for it getting thrown in your face.

    You do you, I’m not telling you how to live your life, but you’ve been primed to go down this path for a while. For the record my test level was last measured at age 26 and came in at 453. I feel completely fine at 31 and have lots of energy and motivation, even with a full time career and a toddler.

    The normal range is a normal range because there’s little to no clinical evidence that fluctuations within the normal range have material physiological downsides. That being said, I’m glad it appears to be working for you.

    Reply
  • Peter stock December 17, 2025, 11:45 am

    you have a photo series:
    Jeff Bezos Version 1 (presumably to show him when he was a nerdy schlub)
    Bezos Version 2 – ripped, and shirtless and kayaking a la Vlad Putin on a horse
    Reacher – super ripped (this is a movie character I presume?)
    And the note ” In many cases, it has gone too far with young men using it just to gain muscle for the beach or the football field, ”

    later there is your own photo montage – sawing and building and being outdoorsy and…. taking a selfie looking like the Hulk.

    Which all leaves me wondering “where then is Too Far?”
    Where is the line between Vanity and Health?

    Reply
  • Brian December 17, 2025, 3:48 pm

    I’ve been using Clomid to increase testosterone. It’s gone from the 497 to 721. It’s a pill taken 3x a week and costs about $75 every 2 months. My understanding is that it tells your body to make testosterone not replacing the hormone. I’ve had great results. But I will say my psa is creeping up. Still in range. Doctor says it’s not related but I’m def keeping an eye one it. Im 54, started taking it at 53.

    Did you look into this protocol?

    Cheaper than concierge.

    Reply
    • Mr. Money Mustache December 18, 2025, 8:10 am

      Yes, and thanks for sharing your experience Brian. I have some peers who have tried Clomid too and they saw the objective T improvements but not the subjective energy improvements. I’ve heard there are biochemical reasons for this in some people, but what has your experience been?

      Reply
  • Brad December 17, 2025, 6:53 pm

    MMM would you be willing to share your Free T levels before and after starting TRT? I have read that this number can be more relevant for symptoms than Total T.
    Thank you for sharing your experience with your blog post!

    Reply
  • Paul December 18, 2025, 4:20 am

    I’m 56 and have been doing TRT for about 4 years and overall it’s great. I just have one question. You mentioned that you take a daily injection. I take an injection once a week. Is there a reason you do this daily?

    Reply
  • Aaron Hemry December 18, 2025, 6:52 am

    TRT sounds like it’s the fountain of youth. I hope it works out well for you in the long run. Can you give us an update in a few years?
    As a fellow 50 year old man who loves healthy living, hard physical labor, construction and outdoor activities, I will keep it in mind for the future if need be.
    I’ve never gotten blood tests and don’t usually to the doctor, and so far, I’m feeling pretty, pretty, pretty good.
    Take care and thanks for the new article.

    Reply
    • Mr. Money Mustache December 18, 2025, 8:34 am

      That’s perfect Aaron! You and I have been in touch for a few years and seem to have a lot of the same lifestyle and values (especially around Family, Nature and Construction). And I agree that in most cases, men with a good lifestyle like this will NOT need hormone replacement. Living like that is so good for you that your body is much more likely to take care of itself.

      I only stumbled across this because of having this friend Kevin, right at the time where I was struggling with chronic fatigue despite already doing everything “right”. And even then it was only pure luck that it happened to work for me. TRT is only useful in people whose bodies are genuinely short of whatever level they need to maximize their functioning.

      Build on friend!

      Reply
  • Daniel Schmitt December 18, 2025, 6:58 am

    Is it true that, once you started TRT it is very hard to stop because your body stops producing you own T?

    That would be a perfect reason to invest in TRT clinics – all ethical considerations aside.

    Reply
  • G December 18, 2025, 10:40 am

    Worth reviewing Medlife Crisis’ recent video:
    https://www.youtube.com/watch?v=FPsKTfFQFqc
    Still at the point of anecdata, but he and other cardiologists are seeing an uptick in 50 something superfit ripped blokes turning up in casualty with severe heart attacks.

    Reply
  • Andrew C. December 18, 2025, 11:31 am

    Long term reader and fan of all your financial advice and general independent view on most topics. However this article on your TRT experience is a turn-off. It sounds like you started taking this drug recently and are now trying to convince thousands of people it’s a good idea. The way you word the section about using a “tiny needle” that you barely feel comes across as very unprofessional and something a drug pusher would say. I don’t doubt you feel better, but many drugs/therapies will make people feel better for awhile. Steroids make people feel much better in the short term. The FDA currently does not recommend TRT for men that do not have an underlying medical condition > https://www.fda.gov/drugs/postmarket-drug-safety-information-patients-and-providers/testosterone-information. Would recommend waiting to promote drugs until the FDA has more long-term study data and makes the recommendation or until you have at least used it yourself long-term (10+ years).

    Reply
  • Matt December 18, 2025, 11:37 am

    Just wanted to throw out that I’ve experienced a similar set of benefits since I started treating my mild sleep apnea with a CPAP machine. (My apnea was about 11 events/hour, for those familiar with the metric.) I too thought being tired, struggling to make gains in the weight room, etc were just a part of aging. Since I started using the CPAP, things have improved noticeably. I won’t say it’s a dramatic/OMG difference, but by far the most obvious benefit is that I’m making strength gains that I haven’t seen in years. And I generally feel more energetic/less tired. I don’t like that have to put on the mask every night, and bring the machine with me when I travel. But the benefits make it worthwhile. And my wife is a fan because my snoring has ceased to be a problem. My main point is, just something to add to the list of considerations before thinking about hormone therapy: make sure you’re getting sufficient quality sleep. I think there’s very little debate on the health benefits of regular, quality sleep (and likewise the risks of getting too little and/or poor quality sleep). CPAP therapy certainly isn’t glamorous, but it’s basically risk-free as far as I can tell.

    Reply
  • Katy December 18, 2025, 2:52 pm

    First, thank you – really. You started me on the FIRE path and I have so missed your posts.

    Next, yikes. Photos of Jeff Bezos as a role model, in any context? Come on, man. I fear you have officially entered the bro oligarchy phase. The world is a hedonistic dumpster fire and we need you.

    Reply
    • Mr. Money Mustache December 19, 2025, 9:00 am

      Hahaha, fair point! There is too much Broligarchy going on right now. But I try to separate the politics and socioeconomics from the data here: my only point is that HRT for both women and men is a valid but often overlooked option. And whether I was broke or billionaire, I’d rather be fit and vital if possible.

      Reply
  • Whit Richardson December 18, 2025, 4:22 pm

    Great post, something I’ve been mulling over for a few years now, this may be the final nudge I needed to go get my levels tested. Gameday Men’s Health appears to be a similar option (more affordable?) and has hundreds of locations where you can stop in and get your levels tested right there. Ben Greenfield interviewed the founder on his podcast recently: https://bengreenfieldlife.com/podcast/evan-miller-gameday-podcast/
    It’s well documented that population testosterone levels have dropped over time from a whole host of factors from lifestyle to endocrine-disrupting chemicals. We are at the mercy of modern day living for all its good and bad, and that may call for modern day solutions.

    Reply
  • Swash December 19, 2025, 1:58 pm

    I wish you the best no matter what you do. It’s a risk, with some unknowns, and that’s a decision for everyone to make for themselves.

    I’d reemphasize that every reader considering this start by talking to their doctor and specialists recommended by their doctor. Do not start out by talking to someone who benefits financially if you start treatment. Do not pay any attention at all to what a blogger with no medical training has written. Expertise is what allows you to aggregate and interpret studies and a blogger without medical training has none of that at all. It isn’t difficult at all to write a blog post linking to studies and draw the conclusion that things are safe or safe enough. I won’t comment on how safe TRT is or isn’t because I also have no expertise.

    Not quite strictly by way of levity, it would not be hard to write a blog post similar to this about cocaine, which has many valid medicinal uses even today.

    As for this question:

    “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?”

    (Nothing wrong with MMM sharing his opinion. You, reader, should not care at all that this seems strange to a blogger with no medical training or expertise. The list of things in this world that experts agree on that seem strange to non-experts is long.)

    Here’s my answer:

    A car is not a luxurious salon for you to lounge in while you flaunt yourself to the world. It’s a handy machine that helps you get to very distant places on those rare occasions that you are too much of a wussypants to bike there. Over time, these occasions will become more and more rare, meaning you will be using a car less and less as you get your life in order.

    Reply
  • drew December 21, 2025, 6:26 pm

    I have been fully onboard with the Mustachian lifestyle for some time now and it has allowed me to retire this year at 43. This is the first article that feels a bit like a curve ball. I’m not sure if the MMM of 10 years ago would have promoted a magic elixir that increases vitality.

    Anyway, I don’t have any strong opinions regarding the cost-benefit analysis of this therapy, but it has given me something to think about.

    Keep up the good work Ponce de Leon.

    Reply
  • Todd December 22, 2025, 12:27 pm

    Creatine vs Testosterone?

    Reply
  • Andrew December 24, 2025, 7:56 am

    Money mustache, the symptoms you describe are caused by the mindbody syndrome, described originally by John Sarno, M.D. Also called TMS, more recently called “neuroplastic.” I’d suggest reading Sarno’s book, The Divided Mind. Improvement of these symptoms from TRT or anything else for that matter is the placebo effect. Notice carefully if some other symptom comes up in the next couple months. The symptom(s) could be anything: colds, allergies, ringing in the ears, rashes, pains of any kind, other infections, ANYTHING! That would be an illustration of the Symptom Imperative at work.

    The basic problem is repressed emotions: unconscious fear and anger, shame, other unpleasant feelings, mostly stemming from ways of thinking and feeling developed in early childhood. Now that you have mega millions, you might be able to face these safely.

    By the way, I’m a physician. I retired early. The medical industry is often not well meaning, and it is dangerously ignorant. It is profit driven, nearly 20% of the US economy. Think where those dividends and cap gains come from in VTSAX. The medical industry is a big part of them. Good luck.

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