Top endurance athletes rarely exceed their maximum heart rate, which helps them get fit without fatigue, leads to faster progress, increased confidence, greater energy and a desire for still more exercise. This is known as the aerobic cycle. When you work out at easier effort levels--below your maximum heart rate--you feel good during your workouts and finish them feeling invigorated. On the other hand, if you work out at your maximum heart rate, your body cannot breathe fast enough for you to continue at that pace. You’re out of breath, your lungs burn. You finish your workout feeling ready for a two-hour nap.
So rather than exercising at your maximum heart rate, you should train at your ideal training zones (also called target heart rate zones). In order to train in the zone, so to speak, you need to know your maximum heart rate. A number of factors influence your maximum heart rate including your age, genetics, fitness level and overall health. You can find your true maximum heart rate by exercising to exhaustion and recording what your heart rate is at that point. This can be dangerous, however, and should only be done under the watchful eye of a physician. For our purposes, you can determine your approximate maximum heart rate by
subtracting your age from 220 (220 - age = maximum heart rate).
You will use this number as the basis for your workouts. Think of your maximum heart rate as a speed limit of sorts. Sure, you can exercise at your speed limit, but doing so makes your engine consume more fuel, which means you’ll run out of gas more quickly.

You can use your maximum heart rate to determine your ideal training zones, which essentially are the different levels of exercise
intensity. The four different training zones are
described below in detail. Each zone corresponds to a different target heart rate range. When exercising in Training Zone I, for example, you should be at 50 to 60 percent of your maximum heart rate. So if your maximum heart rate is, say, 185 beats per minute, your heart rate should be between 92 and 111 beats per minute during a Training one I workout (185 x 0.5 = 92.5 and 185 x 0.6 = 111).
Your target heart rate is an objective measurement of how hard your body is working, but it’s important to monitor your subjective exercise intensity as well. In 1982, Gunnar Borg developed a scale for monitoring intensity based on how hard you feel you are working. The rate of perceived exertion, or RPE, scale provides a quantitative rating of exercise effort. To determine your RPE, just do a brief mental scan of your body while working out. How labored is your breathing? How hard are your muscles working? Are they burning? Then use the following scale to give your “exercise effort” a number.
RPE Scale
7 - very, very light exertion (This is a feeling similar to that of getting up from the couch to get a beer.)
9 - very light exertion (You barely feel like