Brandi, check out this thread on heart rate. Even though it's about running it talks about max heart rate and heart rate training quite a bit.
Training heart rates are individual. So what may be good for you as a 38 year old may not be good for another 38 year old. Some people have naturally high heart rates, others have super low ones.
I suggest you figure out what your max is and go from there. It's like bike sizes: there is no one magic formula that works for everyone.



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