My RHR is 50-54. I am age 53, and I am a fit and fun cyclist. I cycle every day (just about.)
My heart rate drops fast. I don't know what my maximum is. My heart rate when I cycle keeps going lower and lower as I get fitter over time. It used to be my HR was in the 150s when I was climbing a steep hill. Now it rarely goes past 148. When I crest the hill, before I am even half way down the other side my heart rate is back into the 120s. When I am pedaling on the flats into a full wind with everything I have, my heart rate may drop into the 100 to 120 range. It means I don't burn as many calories as other cyclists for the same ride. I finally turned the beeper off on my HRM because there isn't anything I can do to get the heart rate higher, so no use it beeping at me to tell me my heart rate is too low for a cardio workout. I am not going to start cycling the equivalent of Mt Everest every day just to try to get my heart rate up higher. I need to burn the calories so as to lose the excess body fat, therefore my solution is to cycle every day, to increase my distances, and to select routes with steeper climbs.
Darcy



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Needless to say, I don't typically do caffienated stuff.

