I spent some money on a Garmin watch recently. I've always viewed spending on health and fitness as a good investment. One thing I like about the Garmin is the ability to download your Spotify running playlist. This means that I do not need to carry my phone with me when I run. It also has various training features which I am trying out as well.
One of my beliefs is that it is always good to be above average (or above median - if the distribution is normal they are close enough so I'll just say 'average'). More importantly, above average outcomes are usually achievable through a bit of hard work plus a little bit of smart work. Whereas extremely high performance is something that additionally requires good genes and/or luck.
For example, for CPF Life to pay off, you need to live beyond the median life expectancy, as those that die before the median are paying for those that die after the median age.
It is nice that Garmin thinks that I am above average when it comes to VO2 max (just barely in the blue zone though). I hope to improve it further, though my 'above average' philosophy doesn't require me to try to push VO2 max into the elite purple zone. I'm just happy to be above average and I don't plan to run a marathon....
On the other hand, when it comes to investing, I have probably failed to make above average returns in the long term (compared to MSCI World, though I have outperformed the rather useless STI index which is not that hard).
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