Ryan Lochte hauling ass in the pool = Olympic gold medals.
Ryan Lochte hauling ass in his car = INSTANT SPEEDING TICKET.
The swimming champ was pulled over by cops in Gainesville, FL recently -- near where his parents live -- after officers say he was going 49 in a 40.
According to court records, Lochte was issued a $119 ticket ... which he can probably afford. If not, he can always sell his diamond-encrusted grill.
Moral of the story ... Florida cops are strict.