How To Set A SIMPLE Heart Rate Goal

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I like to wear a heart rate monitor while spinning or jogging so I have confirmation for how things are going and can adjust my workout.  Some might call this OCD; I prefer to think of it as positive motivation. Wearing a heart rate monitor helps me figure out if I’m working too hard (almost never the problem) or if I can safely push a little more to get a great workout in as short a time as possible.

Plus it helps keep my mind off the actual exercise.

The trouble is, I have never been able to figure out what my actual target should be.