Question is this:
How do you pace yourself on the swim knowing you have a bike and run coming up. I could have gone faster, but would it be worth tiring myself out to only gain a minute? I will not be competing at a competitive level more just against myself.
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Well, I know for me... I focus on long strokes that allow me to glide. I do not kick a lot (unless it's in open water with a current/waves)... and I monitor my breathing.

If I can do 4 strokes without having to breathe and I am gliding through the water, I know I am saving myself for the bike and run.

BUT if I am kicking like a mad woman... breathing every 2 strokes (and still gasping for air) and my strokes are short and choppy... I know I am going all out and I need to back off.

Just like with running... you find out how to pace yourself as you get more advanced. You start to get a feel for what your sprint effort is and what your cruising effort is.