Abstract: An exercise machine includes a frame which contains a flywheel which rotates around an axle coupled to spools. Original cords are wrapped around the spools and extend to upper pulleys on the frame. The original cords are coupled to adapter cords which extend to lower pulleys on the exercise machine. By pulling the adapter cords, the spools are rotated which causes the flywheel to spin. The adapter cords are released and springs retract the original cords so they can be pulled again. The lower pulleys lower the exit position of the adapter cords so that the exercise machine can be used with hand paddles to simulate swimming, paddle shafts to simulate paddling movements, exercise handles to simulate upper body functional exercises, or ankle straps to simulate lower body functional exercises.