On the other hand, I'm 26 and most formulas put my max heart rate around 195. The most I've ever seen is 187 and I was seeing spots so I don't think I could have pushed any harder. More recently, I've only been able to get up to 185 no matter how hard I try so I may have drop a few beats as I'm nearing 27 (from what I've read max HR only decreases, you can never increase it). I'll average 168 for 1.5 hour ride though and 175 for a half hour run.