The Fat & Broke Podcast: Recent Episodes
Peter Brouillard, Gary Donia, & Sarah Newell
This is our final show! Tune in to hear why.
Thank you to all of our listeners and guests along the way. We are incredibly proud of what we created and accomplished in the past two and a half years.
Sarah and Gary will be back with a new show in the future, but for now, this is the end.
Better Every Day!
Thank You & Farewell-
Sarah, Peter, and Gary
Show Summary:
Do you remember graduating from college and not knowing how to start your life? For the next decade or so, it is trial and error, mostly errors, so much so that this is often known as the lost decade. Well, what if this didn’t have to happen? What if someone taught us the things we need to know so that we can limit our mistakes and expedite our path to lifestyle optimization? We hope to do that in today's show for a lucky new grad! There is something in this show for everyone, so listen closely to this Fat & Broke Podcast episode!
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Intro:
We welcome our current student at our clinic to the show. Welcome, Jianna!
Headline Of The Week:
Short People Are More Likely To Be Psychopaths
#Adulting Topics Discussed:
- Housing
- Employment
- Transportation
- Budgeting
- Investing/Saving
- Insurance
- Health/Wellness
- Personal Development
- Student Loans
- Life!
Resources:
- The Dirty Dozen Test
Show Summary:
A few shows ago, we discussed the best way to eliminate debt and be less broke. Today, to shed some pounds and be less fat, we will give you our plan for losing weight. Like most things in life, there is no best way to do this, but we will give you the steps you need to get started.
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Intro:
Daylight savings time and work got the best of Sarah. She overslept and missed the show!
Headline Of The Week:
Promising New Weight Loss Drug In Short Supply-60 Minutes Clip
How To Pay Down Debt:
- Get into a low (250-500) caloric deficit.
- Eat whole foods 90% of the time.
- Weight training to improve metabolism.
- Leverage habit-stacking and identify/eliminate triggers.
- Have a post-weight loss plan to avoid rebound.
To learn more about the steps above, listen to the show!
Show Summary:
In today’s Fat & Broke Mastermind Group…
We discuss:
- Pressing The Reset Button
- Misophonia
- Random Acts Of Kindness
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Intro:
Gary doesn’t listen when Peter and Sarah are talking. We also take stock to see if we have improved since starting the show.
Headline Of The Week:
Record-Breaking Egg Prices Prompt Accusations Of Price Gouging
Mastermind Group:
Gary has been working on performing random acts of kindness. He names a few and his rationale for doing them.
Peter discusses the concept of misophonia. Why is it that sound bothers some and not others?
Sarah had an excellent post-work vent session with a friend that helped her reset. She discusses this and the need to do this more in the future.
Resources Mentioned In This Episode:
- Worth The Weight… (Monthly Newsletter)
Show Summary:
Inflation continues to hit most Americans' bottom line. The things we use and need the most are costing more than ever. Groceries, gas, electricity, and everything we use daily cost more than last year. On top of that, people are losing jobs, and a recession is looming or already here. The savings that most people collected during the pandemic shutdown have been whittled away, and many people have turned to credit and debt to make ends meet. If this sounds like your story, you are not alone! In today's episode of The Fat & Broke Podcast, we will help you better understand debt and give you all the tools you need to pay it down fast!
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Intro:
Peter is back from a vacation and feels full of vigor, which is not great for the rest of us.
Headline Of The Week:
Credit card debt increased to record $931 billion: Here's how to pay debt quickly
How To Pay Down Debt:
- Track
- Build A Gap
- Make A Plan
- Execute & Automate
- Stay The Course
- Don’t Add More Debt
To learn more about the steps above, listen to the show!
Resources:
- Mint
- YNAB
- Undebt.it
Show Summary:
Welcome to the Fat & Broke mastermind group. In today's session…
We discuss:
- The Network
- Mo Money, No Problems
- This Old House
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Intro:
Gary had a colonoscopy, so we discussed his experience and the process. Who wouldn't want to hear about that!!
Headline Of The Week:
4 Misleading Personal Finance Tips
Mastermind Group:
Gary's son had a recent medical issue, and he talks about how the network he has cultivated over the years helped him navigate the healthcare system to get his son what he needed quickly.
Peter is considering doing an extensive home renovation. In this case, we discuss the concept of return on investment and whether or not that even applies to help Peter decide whether to do it.
Sarah is now making enough money not to have to worry about money. We discuss how this makes her feel and what has changed.
Resources Mentioned In This Episode:
- Worth The Weight… (Monthly Newsletter)
Show Summary:
Are you lonely? Do the people in your life appear to be more lonely than before? The chances are you answered yes to both of these questions. Why? Because America is in the midst of a loneliness crisis. In today's episode of The Fat & Broke Podcast, we discuss the rise of loneliness and some possible solutions to help us all feel more connected.
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Intro:
We are recording during an arctic blast with temperatures dipping to minus 40 degrees.
Headline Of The Week:
Amazon Launches A Subscription Prescription Drug Service
America’s Loneliness Crisis:
Stats:
- 29% of households are one person
- 36% of Americans feel lonely
- 61% of young adults feel lonely
- 51% of moms with young kids feel lonely
- Loneliness increased with Covid
Effects of Loneliness:
- Earl Death
- Depression
- Anxiety
- Heart Disease
- Substance Abuse
- Equivalent To Smoking 15 Cigarettes A Day
Loneliness Defined:
- A Gap between the level of connectedness that you want and what you have
Causes:
- Covid
- Technology/Internet
- Work From Home
- Social Media
- Job Changes/Relocation
Solutions:
- Counseling
- Hobbies
- Reaching Out
- Community Events
- Religion
- Volunteering
Resources:
- Rx Pass–Amazon Pharmacy
Show Summary:
Welcome to the Fat & Broke mastermind group. In today's session…
We discuss:
- Worth The Call
- Status Symbols
- Trivia Night
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Intro:
None. Right into this week's headline.
Headline Of The Week:
Financial Literacy Cost 15% Of Adults $10000 in 2022
Mastermind Group:
Gary has adopted a new policy for when things he owns break, saving him a lot of money.
Peter discusses treating people well regardless of their "status."
Sarah has embraced a new role at work as the weekly trivia hostess. It's a great lesson about the benefits of going outside your comfort zone.
Resources Mentioned In This Episode:
- Spyglass Brewing Company
Show Summary:
Have you ever tried to save $1000 in one month? Does that sound impossible to do? Each of us in today’s show reveals our own path to $1000 in 30 days. If you are someone who thinks an emergency fund is not possible, then this show is perfect for you. Stay tuned to the Fat & Broke Podcast as we get to $1000!!!
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Intro:
None
Headline Of The Week:
Stanford Study Reveals Secrets to Sustainable Weight Loss: Behaviors and Biomarkers Exposed
First To $1000:
Gary
- Cut monthly food costs (Savings = $500)
- Cut Amazon spending by 50% (Savings = $300)
- Sell things not being used (Savings = $200)
- Open a new credit card and get a bonus (Savings = $200)
- Open a new bank account for a bonus (Savings = $50-$200)
Sarah
- Use a hobby to make money such as baking (Savings = $200+)
- Have a yard sale (Savings = $300)
- Cut back on YOLOs such as nails and hair (Savings = $300)
- Take online surveys (Savings = $50)
- Sell pictures of feet (Savings = $0)
Peter
- Add two lifestyle coaching clients (Savings = $450)
- Sell HTC Vive (Savings = $300)
- Cut eating out (Savings = $300)
- Limit shopping to $1000 (Savings = $500)
Show Summary:
Welcome to the Fat & Broke mastermind group. In today’s session…
We discuss:
- Dopamine
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Intro:
None! We get right into the Headline Of The Week.
Headline Of The Week:
National Quitting Day
Blue Monday
Mastermind Group:
In today’s mastermind, we turn the floor over to Peter to discuss dopamine in depth. Inspired by the Huberman Lab Podcast, Peter explains dopamine in a way that we can all understand and tries to help us all use it in our favor. Understanding the role dopamine plays in our lives and what we can do to increase or decrease it, is crucial to our ability to form and keep good habits.
Resources:
Flow, Mihaly Csikszentmihalyi
Mindset, Carol Dweck
The Molecule Of More, Daniel Z. Lieberman MD, Michael E. Long
Huberman Lab Podcast
Show Summary:
In episode 170, we started our conversation around systems by discussing our set-it-and-forget-it approach to money. In today's episode, we discuss the systems we have in place to help us reach our health, nutrition, fitness, sleep, and social goals. Although more challenging to set and forget than money is, you can still simplify and reduce your barriers to success by using a systemic approach. In today’s episode, we teach you how!
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Intro:
We review episode 170 and move right into part 2 of our systems approach to better every day.
Health Systems:
Nutrition
- Food Prep
- Shop 1x Per Week If Possible
- Don’t Bring Foods You Don’t Want To Eat Into The Home
- Focus On High Volume & Low Caloric Density Foods
Physical Activity
- Pick # Of Days You Want To Exercise. Make It Achievable
- Should Be Anything You Enjoy That Makes You Move
- Be Consistent
- Make It Fun. Do It With Friends, Group Challenges, Or Whatever Keeps You Accountable
- Earn Your “Down” Time
- Reduce The Barriers To Starting By Planning Ahead
- Focus On Process Over Results
- Sustained Compliance = Compounding Results
Sleep
- Consistent Bed Time
- Work Backwards-When You Need To Wake Up Minus Hours Of Sleep Needed = Bedtime
- Reduce Temperature, Noise, & Light
- Place Phone Across Room
- Avoid Large Meals Close To Bedtime
- Avoid Alcohol Within In A Few Hours Of Bedtime
- Create A Morning Routine You Like So You Look Forward To Going To Bed
Social
- Pick The 5 People You Want To Spend Time With
- Set Reminder For Weekly Check-Ins
- Set Game Nights, Dinner Nights, Or Some Other Regular Gathering
Resources:
- Atomic Habits, James Clear
- Ally Bank Saving Buckets & Boosters
- Todoist
- Why We Sleep, Matthew Walker
- Calm App
- Apple Fitness
- Lose It
- Make Time, Jake Knapp & John Zeratsky
Show Summary:
Do you have the systems in place to help you achieve your money and wellness goals? Or do you, like many people, know what you want to achieve but are unsure how to get there or where to start? If that sounds familiar, then this two-part series is for you!
In Part 1, we will discuss the money systems we implement to simplify this process and ensure we meet our financial goals.
In Part 2, we will cover all of Peter’s favorite domains: health, nutrition, fitness, sleep, and of course, social!
Stay tuned for Part 1, Next!
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Intro:
Sarah and Gary confront Peter over his Wendy’s Frosty key tag.
Headline Of The Week:
Apple’s Tim Cook To Take 50% Pay Hit After Shareholder's Feedback
Money Systems:
- Track Your Finances
- Create A Money Flow Chart
- Automate As Many Of The Steps In The Chart As Possible
- Use Direct Deposit
- Enroll In Workplace Retirement Accounts & Have It Automatically Deducted
- Create Multiple Bank Accounts For Savings, Fixed Bills, Variable Bills, & Other
- Use Auto Bill Pay From All Of Your Lenders (Mortgage, Auto Loans, Credit Cards, Etc…)
- Auto Transfer Funds To Emergency Fund, Roth IRA’s, And Other Savings Vehicles
- Decide On A Debt Paydown Strategy And Set Up Automatic Payments To Fit Your Plan (Snowball vs. Avalanche)
Resources:
- Atomic Habits, James Clear
- Ally Bank Saving Buckets & Boosters
- Todoist
- Why We Sleep, Matthew Walker
- Calm App
- Apple Fitness
- Lose It
- Make Time, Jake Knapp & John Zeratsky
Show Summary:
Welcome to the Fat & Broke mastermind group. In today’s session…
We discuss:
- Using our workplace to help make us Better Every Day
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Intro:
None! We get right into the Headline Of The Week.
Headline Of The Week:
The Secure 2.0 Act Of 2022
Mastermind Group:
We spend a lot of time at work. A lot! Knowing that, it seems evident that if we want to achieve better physical, mental, and financial health. In today’s episode, we discuss some recent workplace “challenges” we have been using to help each other achieve better every day and improve our workplace culture simultaneously.
Show Summary:
In two thousand and twenty-three, I will be… How would you answer this question? Have you thought about that all? In a different take on New Year's resolutions, we take some time today to reflect on how we would each complete that statement and the specific action items we will take to get there.
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Intro:
It's been a while since we last recorded. The hosts have all been sick and have not been able to record frequently. We are back!
Headline Of The Week:
Mark Cuban on the habit all 30-somethings need to succeed: Without it, ‘you’re not expanding your mind.’
In Two Tousand & Twenty-Three, I Will Be…l:
In this episode, we each declare our intentions for the person we will be in 2023:
Peter will be…a person who truly accepts others for who they are today.
Gary will be…a person that listens to others more and talks less.
Sarah will be…dedicated to “me.”
Fan Feedback:
- Morning Peter! We talked a little about retirement planning & I'm actively working on moving our 401k's around & I thought I'd share. I'm leaning towards rolling our 401k's & maybe some savings into a fixed differed annuity. Interest rates right now are around 4.4, and if I can lock in for maybe 5 years, that would help us to get closer to the nest egg we need to retire in. Ask Gary what he thinks about fixed differed annuities 🧐
Resources:
- The Effective Executive, Peter F. Drucker
- Deep Work, Cal Newport
Show Summary:
Welcome to the Fat & Broke mastermind group. In today’s session…
We discuss:
- YOLO
- Saying Thank You
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Intro:
We have fun discussing Sarah’s asexuality.
Headline Of The Week:
Couch Confessions
Mastermind Group:
Gary discussed a recent spending spree.
Sarah doesn't know how to say thank you.
We ignore Peter in this episode. :)
Show Summary:
Welcome to the Fat & Broke Christmas carol. In today's show, we will speak only in British accents as we spin our tales of Christmas past, present, and future. Kidding!!!!! We are actually exploring a specific part of our past, present, and future selves to see how we have evolved and continue to evolve over time.
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Intro:
We are recording through a Bomb Cyclone in Massachusetts a few days before Christmas. We discuss that and more!
Headline Of The Week:
How To Master ‘Baby Talk’ (And Why You Should)
The Fat & Broke Christmas Carol:
In this episode, we each explore the past, present, and future of a specific part of our lives:
Peter explores parenting at different ages.
Gary discusses his relationship with money.
Sarah delves into her health and wellness cycles.
Fan Feedback:
- None
Resources:
- Mr. Money Mustache
- Choose FI
Show Summary:
Welcome to the Fat & Broke mastermind group. In today’s session…
We discuss:
- Real Talk
- The End Of Innocence
- Happiness?
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Intro:
We talk about the upcoming holidays and when we start decorating.
Headline Of The Week:
How To Save $500 In 30 Days
Mastermind Group:
Gary discusses watching his son’s last youth hockey game.
Peter talks about having “real” conversations with people and how rare that is.
Sarah questions the concept of happiness.
Show Summary:
Are you ready for 2023? Is your financial house in order? This is a great time of year to reflect and reset as we close out one year and begin another. In today’s show, we give you a comprehensive list of must-do’s in order to start the year off on the right foot. All That and more are in today's The Fat & Broke Podcast episode.
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Intro:
As we start the show, Gary & Sarah call Peter out on his weak immune system. We also say hello and thank all of our new listeners.
Headline Of The Week:
6 Everyday Habits To Regain Muscle Mass After 60, Fitness Expert Says
End Of Year Financial Checklist For 2022:
In our annual end-of-year money show, we discuss everything you should be doing with your money and other related matters at the end of 2022 and the beginning of 2023. We cover:
- Open Enrollment
- Retirement
- Family/Estate
- Taxes
- More!
Fan Feedback:
- None
Resources:
- annualcreditreport.com
- Amazon FSA Store
Show Summary:
Welcome to the Fat & Broke mastermind group. In today’s session…
We discuss:
- A New Life Phase
- The College Process
- Losing My Religion
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Intro:
Gary is sick. Sarah is a scatterbrain. Just your normal shit-talking!
Headline Of The Week:
What is going on at FTX? We discuss FTX and risky investing.
Mastermind Group:
Gary discusses his thoughts on the college process and college in general.
Peter answers a fan's questions about religion (see question below).
Sarah has entered a new phase where she is excited by home goods. It's called getting old!
Resources Mentioned In This Episode:
- None
Fan Feedback:
Fun fact of how I found you guys. I'm a personal finance nerd and was looking for a new podcast. I heard about Stacking Benjamins from Joel on the How To Money podcast. I downloaded an episode and it happened to be the one you guys were on. I never listened to another episode of Stacking Benjamins but I went back to the beginning of yours and listened to every one until I was current.
I have a request for a future topic. I hear of Peter talking about growing up in a cult. I'm not sure if he means that literally or if it was more of a overly strict evangelical Christian environment. Regardless, I can relate. I was deeply involved in a conservative evangelical Christian church for many years. I'm now questioning many things and practices that I held for so long. I'm having difficulty getting past the guilt in letting it go and moving on. I would love to hear Peter discuss this topic more if he was comfortable doing so.
Keep up the great work! I love the information shared (and the vulnerability in doing so) and the entertaining banter.
Show Summary:
It's that time of year again. The days are getting shorter, the nights are getting cooler, and the doldrums of Winter are approaching. With all that potential negativity coming our way, it's a great time to practice some gratitude. Today's show explores our lives in search of what we are most grateful for. That and more in this episode of The Fat & Broke Podcast!
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Intro:
We briefly discussed “After The Holidays: Part 2.” Tune in for a reminder on how to avoid health and money complacency during he holiday season.
Headline Of The Week:
Immunity Debt: Why So Many Kids Are Sick With RSV
Complacency Creep:
Today’s show focuses on gratitude. What is gratitude? What does gratitude mean to each of us, and where do we find it in our own lives?
In order to explore this topic, we ask each other questions about gratitude. None of the hosts had time to prepare, so each answer was authentic and off the cuff.
Please enjoy this open and honest discussion about gratitude.
This is an episode full of great takeaways and action items for our listeners. Enjoy!
Fan Feedback:
- None
Resources:
- None
Show Summary:
Welcome to the Fat & Broke mastermind group. In today’s session…
We discuss:
- A Subscription Worth Buying
- The Fear Of Starting
- Just The Tip
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Intro:
Gary and Pete discuss out-of-control food spending in the past few months and their plan to reign it back in.
Headline Of The Week:
What is happening to Twitter now that Elon Musk bought it?
Mastermind Group:
Gary is a big fan of the Panera Sip Club. He tells us why.
Peter leads a conversation about why people fail to start new endeavors.
Sarah discusses a new app she uses and the idea of “real hourly wage.”
Resources Mentioned In This Episode:
- Just The Tips App
- Panera Unlimited Sip Club
Fan Feedback:
- None
Show Summary:
We have all been there. In the zone, feeling great, doing all the right things. You feel like everything is in sync. Your money, health, and personal lives are all where you want them to be. And then, before you know it, they aren't. Something happened. But what? You try and pinpoint it, but you can’t. Slowly things begin to spiral out of control, and you are back in a rut. In today’s show, we discuss the idea of Complacency Creep. What is it? How does it happen? What does it look like? And how do we fight it? All of that, and more, in today's episode of The Fat & Broke Podcast
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Intro:
Gary decides there will be no small talk this week, so there isn't!!
Headline Of The Week:
I spent 5 years interviewing 233 millionaires–here are the 6 habits that made them ultra-wealthy
Complacency Creep:
We start by defining what complacency creep is, how to identify it through the signs and symptoms, and where it shows up in our own lives. After laying that groundwork, we specifically discuss some creep that has occurred with each host and how we plan on fixing it.
This is an episode full of great takeaways and action items for our listeners. Enjoy!
Fan Feedback:
- None
Resources:
- The Magic Of Thinking Big, David Schwartz
- Think & Grow Rich, Napoleon Hill
Show Summary:
Welcome to the Fat & Broke mastermind group. In today’s session…
We discuss:
- Unconditional Love
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Headline Of The Week:
IRS increases 401K limits–investors can save a lot more money in 2023
Mastermind Group:
In a special episode of The Fat & Broke Podcast, we say goodbye Peter's dad and discuss the lessons learned in death. We are very proud and thankful to Peter for his honesty and willingness to discuss this complex topic.
Resources Mentioned In This Episode:
- None
Fan Feedback:
- None
Show Summary:
Happy Halloween, everyone! Oh, my gourd…What's the scariest thing you have ever done with your money??? In today's show, we are telling some scary money tales from our past lives. What ghoulish things have we done and lived to tell about??? Stay tuned to this special Halloween episode of the Fat & Broke Podcast to find out!
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Intro:
Happy Halloween!!! We discuss how we celebrated Halloween as kids and how some people do not.
Headline Of The Week:
James Smith, PT Tik Tok Video
Spoooookkkkkyyyyy Money Stories:
The hosts discuss the scariest things they have ever done with their money. We have discussed some before, but tune in to hear real revelations from a few of them!
Fan Feedback:
- Listener Stacey called to inform us that she took action on some of our tips from our Grocery Store Science show.
Resources:
- None
Show Summary:
Welcome to the Fat & Broke mastermind group. In today’s session…
We discuss:
- Saying Goodbye
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Headline Of The Week:I paid off my mortgage 16 years earlier with the help of a clever kitchen hack I learned from my parents. Mastermind Group Topics:
Sarah:
None
Peter:
Peter opens up about his father's illness and how he has been dealing with it.
Gary:
None
Resources Mentioned In This Episode:
- None
Fan Feedback:
- None
Show Summary:
Today we are taking a different look at how to live a fulfilled life by learning lessons from those that are dying. Using Bronnie’s Ware insights from her blog and book, we will discuss the 5 most common regrets of dying. What can we learn? Will it change the way we live? All of that and more on this episode of The Fat & Broke Podcast
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Intro:
We discuss the current show format and our plans going forward.
Headline Of The Week:
MIT developing a pill that may make it easier to keep fit without endless gym hours
The 5 Regrets Of The Dying:
-
I wish I'd had the courage to live a life true to myself, not the life others expected of me
-
I wish I hadn't worked so hard
-
I wish I'd had the courage to express my feelings
-
I wish I had stayed in touch with my friends
-
I wish that I had let myself be happier
Talking Points:
- Our thoughts on each regret.
- Do we have any of these regrets right now?
- What changes can we make in our lives to avoid having regrets?
Fan Feedback:
- None
Resources:
- Bronnie Ware (Blog & Books)
Show Summary:
Is your local grocery store manipulating you? You bet they are! Grocery store science is big business and in today’s show, we pull back the curtain and expose how easily we are being tricked into spending more money every time we shop. Welcome to the Fat & Broke Podcast!
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Intro:
The Queen has died. We discuss our thoughts about the royal family.
Headline Of The Week:
Proposed legislation could affect credit card rewards in the US — here’s everything you need to know
New legislation moving through Congress could drastically change the way credit card companies view rewards programs. We discuss this legislation and our thoughts as to whether it is good or bad.
Grocery Store Science:
The Science:
- Layout/Design
- Take It Slow
- Special Offers/Rewards
- Eye(s) Level
- Hunger Games
- Bigger Carts
- Paying For Preparation
- The Maze
- Impulse
- “Free” Samples
- Closed Entrances
- Parking Lot Appeal
The Solutions:
- Wear headphones and play fast music
- Wear a watch
- Have a list
- Set a timer (<20 min)
- Shop your cabinets and know what you need before you go
- Leave your kids at home
- Use a basket instead of a cart
- Shop price per unit and not special offers
- Eat healthy before you shop
- Order online using a list
- Ask for help, don’t search for something
- Have a plan
Fan Feedback:
- None
Resources:
- None
Show Summary:
Welcome to the Fat & Broke mastermind group. In today’s session…
We discuss:
- Having Too Much Time
- Falling Down The Rabbit Hole
- Pet Cemetery
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Headline Of The Week:Gen Z trusts this man more than Warren Buffett for financial advice — and he says this is the single best habit to adopt if you want to save money
Mastermind Group:
Sarah:
Sarah has spent a lot of money on her dog over the past few years. We discuss why she is so willing to do this, and at what point she would say no.
Peter:
Peter has been falling victim to the endless scroll of Reddit and Facebook Marketplace. We discuss how this happened and his actions to fix it.
Gary:
Gary’s kids are growing up fast, and he and Jess (his wife) are finding themselves with an empty nest and a lot of time. We discuss how to handle best this abrupt change in his life in a positive way.
Resources Mentioned In This Episode:
- None
Fan Feedback:
- None
Show Summary:
Do you remember moving like a kid? Did it hurt? Did you even think about or did you just do it? Wouldn't it be nice to move like that again? In today’s show, we discuss what it means to move like a kid, why we stop doing it, and how we can start again. Welcome to another episode of The Fat & Broke Podcast!
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Intro:
Sarah is very late to our recording session so we give her a bunch of shit.
Headline Of The Week:
How do strong muscles keep your brain healthy?
Peter reviews an article that discusses how strength training can directly impact our brain health. As always, Peter wants to talk about muscles. Tune in to hear our discussion.
Move Like A Kid:
The Problem:
- As we age, we become stiff and prone to injury.
- Our sedentary lifestyle creates much of the problem.
- Myths about movement contribute to our fear of movement as well.
Action Items:
- Train with functional movements through the full range of motion.
- Put yourself into positions that are true to the way we really move.
- Return to basics such as rolling, quadruped, crawling, kneeling, and standing.
- Play!
- Include running, jumping, agility, and sprinting in your program.
- Ignore the myths like knees can’t go over your toes and more.
Fan Feedback:
HeyBig G!!! I have a question for you to ask Peter for me!! I want to take probiotics to help out my gut microbiome since I’ve had my c-section. I feel like I would instead do things a bit more naturally than taking medication. Does he have a good recommendation on which probiotic to take? I’ve been doing a bit of research on it but I know he’s all about it
Resources:
- The Biggest Little Farm
Show Summary:
Welcome to the Fat & Broke Summer Sessions…
As Fall nears, we take a moment to reflect on the Summer that was for the three of us. What can we take with us (and leave behind) as we progress in our quest for Better Every Day? Today’s show looks at the Good, Bad, & Ugly of the Summer of 2022! Welcome, to the Fat & Broke Podcast Summer Session Finale!
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Headline Of The Week:
The Biden-Harris Administration's Student Debt Relief Plan ExplainedIn this week's headline of the week segment, we review the details of student loan forgiveness and discuss our thoughts surrounding this topic.
The Good, Bad, & Ugly From Our Summer:
In this roundtable discussion, we each discuss what we learned from this Summer. Most of it was good, but there was definitely some bad and ugly mixed in there also. The key for us is reflecting on the Summer that was and learning what we can from it.
Resources Mentioned In This Episode:
- None
Fan Feedback:
★★★★★
Hilariously funny with some great educationI have been listening for most of this year and have really enjoyed the bantering between all of you guys. I learned so many things that I can use in my life. Glad you guys took time over the summer to relax and refresh. I’m looking forward to having 2 weekly episodes again. I listen while I’m working out and it makes my time pass so quickly. Not sure why Sarah puts up with as she says “These Assholes”. She makes the show and holds you two clowns up. Never let her leave. Thanks again.
Sept. 9, 2022 by Alan on This Website
Show Summary:
Today's show teaches you how to eat all the carbs you want by taking a daily pill, how to get ripped by eating bull testicles and 100 eggs a day, AND we have a diet that cures cancer!
If this all sounds like bullshit, it is! We discuss how to sift through the garbage on social media to find the information you can use.
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Intro:
We are back!!! It has been five weeks since we last recorded, and it's great to be back together. Before diving into the week's headline, we discuss that and the show's future.
Headline Of The Week:
Apple Cider Vinegar Health Benefits: Fact or Fiction?
Peter reviews the beliefs around the health benefits of apple cider vinegar and helps us decipher which are evidenced based and which are not.
Calling Bullshit On Fitness & Nutrition Social Media Influencers:
Research & Background
- A study by the University of Glasgow found that 90% of "weight-loss" advice on social media is wrong.
- Poor content is a result of ignorance, money, and more.
- Influencers in this space contribute to body image issues, eating disorders, and injury.
Influencers In The Spotlight
- The Liver King
- Fernando Torraca
- Michelle Lewin
- Belle Gibson
- Brittany Dawn
Action Items
- Trust your gut.
- Background check influencers you follow.
- Speak to a credible professional in the field to check the information given.
- 7 Signs You Shouldn't Trust A Social Media Health Guru's Advice
Fan Feedback:
I really appreciate this podcast and the helpful information it provides on such a wide variety of topics. I love the banter between hosts, and they don't use a lot of inside jokes that the audience wouldn't get (I've heard this on other podcasts) and are able to balance between being light-hearted and funny but serious at times. They really speak to their audience and aren't just focused on each other. Thank u for this podcast!
–Chris From NC
Resources:
- Apple Cider Vinegar Health Benefits: Fact or Fiction?
Show Summary:
Do you want to read, exercise, meditate, or just generally take better care of yourself, but a feeling of guilt stops you? Do you find happiness in areas that others tell you that you shouldn’t, like food or binging shows? Today, we are discussing Self-care and whether or not it is inherently Self-ish? We will also give our advice as to how to selflessly make Self-care a part of your life. This and more in episode 104 of The Fat & Broke Podcast!
We also welcome Jessica back to the show and we all start the conversation with a statement of gratitude.
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Topics Discussed:
- Gratitude
- Self Care
- Selfish
- Physical Health
- Mental Health
- Sacrifice
- Guilt
- Mindfulness
- Signs that Self-Care is Becoming Self-ish
Action Items:
- Define what self-care means to you.
- Start with the end in mind.
- Sharpen the saw.
- Block out time for self-care.
- Put self-care first.
Resources:
The 7 Habits of Highly Effective People, Stephen Covey
Show Summary:
Welcome to the Fat & Broke Summer Sessions…
In today’s show, we discuss areas of our lives where spending money is always “worth” it and even some areas where we think we could spend more.
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Headline Of The Week:
4 Physical Signs You Need To Eat More Carbs, From Brain Fog To Exercise Flu
An article from Insider attempts to explain why we need to eat more carbs. As is usually the case, this is clickbait. The article basically states that glycogen is essential. Duh!!! We discuss the role of carbs and glycogen in a healthy diet and the role of moderation when consuming this type of food.
Spending Lavishly On What We Value:
This discussion stems from an article that Gary read on Insider.
What Gary Values:
- Kids and Their Sports
- Gadgets That Make Life Easier
- Family Vacations
What Sarah Values:
- Experiences
- Streaming/Netflix
- Home Decor
What Peter Values:
- Quality Whole Food
- Self Care
- His Backyard For Social Gathering
- Clothes
- Beer
After discussing what we spend on, we move on to areas where we think we may want to spend more in the future. Tune in to the show to hear what those items are!
Resources Mentioned In This Episode:
- 4 Physical Signs You Need To Eat More Carbs, From Brain Fog To Exercise Flu
- 5 Things That Are Always Worth The Money, According To A Financial Planner
Show Summary:
Recently, a friend of ours purchased what appeared to be a fantastic deal online. What he got instead was days of anxiety and stress. Luckily, with his bank's help and quick action, he could avoid the worst possible outcome. However, this is not the case for the millions of people each year who have their identities stolen. In today's episode of The Fat & Broke Podcast, we help each other learn more about identity theft, how to prevent it, and what to do if it happens.
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Intro:
We dispute the show intro that claims we are helping ourselves and each other improve our lives. Additionally, we discuss Gary's sourdough dinners. Delicious!
Headline Of The Week:
Changing What Time You Exercise Can Help You Lose More Weight
An awful article from Sci-Tech Daily claims that when you matter to weight loss, in particular, they state that it is different for men and women. We call this out for that garbage that it is!
Topics Discusses & Questions Answered:
Types of Identity Theft:
- Financial
- Tax
- Medical
- Employment
- Child
- Estate
- Criminal
- Synthetic
How To Prevent Identity Theft:
- Check accounts often (Mint or another account Manager is helpful)
- Regular checks of your credit report.
- Freeze credit
- Don't answer email, mail, calls, or texts asking for personal information
- Review all medical EOBs
- Check the e-verify site if you suspect employment fraud
- Check your child's credit
- Turn off your computer
- Use a VPN
- Use a password manager and strong passwords
- Consider using an authenticator app
- Enable two-step verification
- Enable credit alerts
- Shred important documents
- Get your mail daily
- Use informed delivery from the USPS to make sure you received all mail
- Avoid public wi-fi
- Put less personal information on social media
- Use digital wallets and protect your mobile device using biometrics.
What To Do If Your Identity Is Stolen:
- Contact the company involved
- Freeze your credit at all three credit bureaus
- Set up fraud alerts
- Get all three credit reports
- Notify the FTC and local authorities
- Change passwords
- Cancel card/account affected
Resources:
- Changing What Time You Exercise Can Help You Lose More Weight
- AnnualCreditReport.Com
- Experian
- Equifax
- Transunion
- Credit Karma
- USPS Informed Delivery
- Treasury Direct
- E-Verify
Show Summary:
Welcome to the Fat & Broke Summer Sessions…
In today’s show, we explore ways to mentally, financially, and environmentally make the moving process advantageous. As Sarah prepares to move, we help her declutter, recycle, repurpose, and throw away. We will also find ways to fill her new place with inexpensive free things.
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Headline Of The Week:
The sleep debt collector is here! Peter reviews a recent article that highlights the destructive effects of sleep deprivation. Specifically, we discuss the possible brain damage that occurs over time with poor sleep habits.
Decluttering Categories Discussed:
Things we can do with our stuff:
- Make Some Money
- Help Others
- Re-use
- Recycle
- Fix
- Trash
Listen to this episode to hear us break down each category in detail. We also discuss where to find cheap or free stuff!
Resources Mentioned In This Episode:
- The Sleep Debt Collector Is Here
Show Summary:
Have you considered getting into rental real estate but don’t know where to start? Or maybe you are just thinking about making a change and trying a new career path? Either way, our show today is for you!
Our guest today is Doug Donia from New Branch Real Estate Advisors in North Carolina.
Leave A Voice Memo | Review The Show | Follow | Subscribe | Newsletter Intro:
We start the show with Doug giving some background dirt on what Gary was like as a kid. Gary quickly tries to redirect the conversation to start the actual show!
Guest Intro:After spending 20+ years at Staples, Inc., working in Supply Chain Management and Logistics, Doug took the plunge! He quit his job and started a new career as a self-employed Real Estate Broker and Investor.
After many years as a Broker for a small firm in his hometown, learning everything that he could about the industry, he worked to create a new Commercial Real Estate and Property Management Firm in which he remains a Partner today. They currently have eight fantastic agents, admin support staff, and one dedicated Property Manager. With growth each year, this experience has been one of the most rewarding of his life.
Doug personally invests in both Residential and Commercial Real Estate and encourages others to do so at every chance he gets!
Doug is married with two children and a cat (Little Dude). He enjoys spending time with his family, metal working in his garage, hiking, and enjoying nature.
Oh, and he’s Gary's older and wiser brother.... :)
Topics Discusses & Questions Answered:
- State of the current real estate market and where it is heading.
- Why real estate is “better” than other investments.
- Who should invest in real estate?
- How do you get started in real estate investing?
- What type of property is best for a new investor?
- What are the ways you can make money in real estate?
- How to use leverage to your advantage?
- The 1% rule for cap rate.
- How to find a good tenant?
- How to set your rent price?\
- What is BRRRR?
Resources:
- New Branch Real Estate Advisors
Show Summary:
Welcome to the Fat & Broke Summer Sessions…
In today’s show, we revisit episode 140, discussing the dirty dozen and clean fifteen by doing a taste test challenge. Does organic produce taste better? Is it worth the cost? Stay tuned to find out!
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Headline Of The Week:
Have you ever wondered why grocery stores sell flowers and why they are in the front of the store when you first walk in? As with all things in the grocery store, there is science behind that! Here are the main reasons why:
- Appealing to the senses and getting the nose and saliva glands going makes people less disciplined shoppers.
- Flowers signal shoppers that the store has fresh, natural, quality, and good food.
- If you feel good and happy, you will spend more money.
- Flowers have a 47% profit margin on average.
Organic vs. Non-Organic Taste Test Challenge:
In episode 140 with discussed the Dirty Dozen and Clean Fifteen. In today’s show, we taste some of the items on the Dirty Dozen to determine if the organic version tastes better than the non-organic one. And is it enough to get us to spend more money to buy it if it does? We test the following 7 items and discuss each. Tune in to the show to hear the results!
- Strawberries
- Raspberries
- Grapes
- Bananas
- Bell Peppers
- Celery
- Blueberries
Resources Mentioned In This Episode:
- 140 | Summer Sessions | The Dirty Dozen & The Clean Fifteen
- The Surprising Reason Supermarkets Sell Flowers, CNN Business
Show Summary:
If you are like most Americans, you are not using all of your vacation days each year. America has become the No-Vacation Nation. Why is that? In many cases, it's guilt. Guilt about work, guilt about money, and sometimes even guilt about our health and well-being. Today's show discusses all of this and HOW to take a guilt-free vacation.
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Intro:
Happy Fathers Day! We discuss our Father's Day plans and then jump into the show.
Headline Of The Week:
None…We Forgot (and by "we," I mean Gary)
Topics Discusses & Questions Answered:
Today's show discusses work, money, and health guilt Americans have with vacations. Some of the topics we discuss are:
Fun Facts:
- 55% of Americans don't use all of their PTO.
- Top reasons for not using PTO:
- I don't want to come back to a lot of work
- No one else can do my job
- I can't afford it
- Want to save the days
Work Tips:
- Set boundaries
- Turn off your email
- Establish accountability partners
- Plan to make sure you use your days
- Celebrate time off at work to develop a culture that promotes using PTO
Money Tips:
- Include it in your budget
- If you don't like to spend on vacation, don't look
- Use credit card points
- Avoid monthly debt traps, so you have money to save for a vacation
- Utilize low-cost or staycations
Health Tips:
- Schedule daily exercise
- Stay in a walkable community and walk
- Limit eating out to 1x/day
- Eat at local markets and/or go grocery shopping
- Establish a routine
Resources:
- Trek Simple
Show Summary:
Welcome to the Fat & Broke Summer Sessions…
In today’s show, we discuss extreme frugality. How far are you willing to go to save money right now!
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Headline Of The Week:
According to an article on USA Today, balancing on one leg for more than ten seconds may predict the likelihood of living or dying in the next ten years. We discuss this article and challenge each other to take the balance test.
Extreme Frugal Tips (Which Would You Do?):
- Shower in your underwear
- Use an old calendar
- Snip the end of the toothpaste tube
- Eat other people's leftovers and/or roadkill
- Drive slow
- No spontaneous fun
- Cold showers
- Avoid using the oven
- Boil egg in tea water
- Sleep in thermals with hot water bottles and a sleeping bag
- 2-minute showers
- Don’t flush
10 Depression Era Money Saving Hacks:
- Grow your own food
- Cook your own food
- Retro entertainment
- Fix it yourself
- DIY
- Use every last drop
- Get neighborly-borrow, share food, etc.
- Re-use and re-purpose
- Get a job
- Go manual (dishes, laundry, etc.)
Resources Mentioned In This Episode:
- Extreme Frugality
- 10 Depression-Era Hacks
- Headline Of The Week: Standing On 1 Leg
Show Summary:
Do you want to live an abundant life? Are you constantly stressed about money? Do you believe that wealth is for someone else? If you are ready to learn how to Build Your Mental Wealth, then you will love our guest today, Joyce Marter.
In today’s Fat & Broke Podcast episode, we explore how our mental health and mindset impact our ability to achieve financial peace, freedom, and independence.
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About Our Guest:
Joyce is a licensed psychotherapist, entrepreneur, national public speaker, and mental health thought leader. She is the founder of Urban Balance (a national outpatient mental health company) and the author of The Financial Mindset Fix: A Mental Fitness Program for an Abundant Life.
Profile Page
Topics Discusses & Questions Answered:
Some of the topics we discussed with Joyce are:
- Abundance vs. Scarcity.
- Her 12 money mindsets.
- Relationship between health and money.
- Is money bad?
- Do you need money to have an abundant life?
- Net-worth vs. Self-worth.
- Mindfulness and money.
- The importance of self-care.
- How being charitable can improve your finances.
- Designing your life.
- Building a team to support you.
- Building resilience.
Resources:
- Joyce Marter’s Website
- The Financial Mindset Mix, Joyce Marter
Show Summary:
Welcome to the Fat & Broke Summer Sessions…
In today’s show, we discuss the Dirty Dozen & The Clean Fifteen. Is the food you are eating safe? Stay tuned to find out!
Headline Of The Week:
According to an article on CNBC, nearly half of families with kids can no longer afford enough food five months after the child tax credit ended. We discuss the details of this article and give some tips for struggling families.
The Dirty Dozen:
- Strawberries
- Spinach
- Kale
- Nectarines
- Apples
- Grapes
- Peppers
- Cherries
- Peaches
- Pears
- Celery
- Tomatoes
The Clean Fifteen:
- Avocados
- Corn
- Pineapple
- Onions
- Papaya
- Sweet Peas
- Asparagus
- Honeydew Melon
- Kiwi
- Cabbage
- Mushrooms
- Cantaloupe
- Mangoes
- Watermelon
- Sweet Potatoes
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Resources Mentioned In This Episode:
- Environmental Working Group
Show Summary:
If you knew how long you had left to live, would it change how you live each day? In many cases of illness, this is true. But what about otherwise healthy people? Would knowing your possible life expectancy help you make the most of every day and allow you to better plan for your future? This week's episode of The Fat & Broke Podcast explores the pros and cons of having a final countdown.
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Intro:
Happy Fathers Day! We discuss our Father's Day plans and then jump into the show.
Headline Of The Week:
Why You Can't Trust Your Fitness Tracker on Calorie Burn, Life Hacker
Topics Discusses & Questions Answered:
In today's show, we answer the following about the state of the current stock market:
- Which of the hosts will live the longest?
- Do we want to know when we will die?
- How does knowing our death date help us better live in the now?
- How does knowing your estimated life span help you plan for the future?
- Live like you were dying.
Resources:
- Living to 100
- The Final Countdown App
- Die With Zero, Bill Perkins
Show Summary:
Welcome to the Fat & Broke Summer Sessions…
In today’s show, we discuss the 7 deadly sins of friendship. Are you a good friend or a bad friend? Stay tuned to find out!
The 7 Deadly Sins Of Friendship:
- Being To Clingy
- Having An Ulterior Motive
- Being To Competitive
- Teasing Or Insulting Banter
- Using Your Friend As A Therapist
- Gossiping About Your Friend
- The One-Sided Friendship
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Resources Mentioned In This Episode:
The Lion Trackers Guide To Life, Boyd Varty
Show Summary:
Welcome to the Fat & Broke Win or Fail Mastermind Group. In today’s session, we discuss
- Is perception reality and should we care?
- Screen wars!
- All the Sarah’s independent!
Small Talk:
Peter is in the market for new friends. Gary doesn’t understand this. We discuss.
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Resources Mentioned In This Episode:
- None
Show Summary:
If you are like us, your to-do list never seems to end. To-do lists can run our lives which is why we are dedicating today’s conversation to our NOT-TO-DO Lists! What if you can regain some of your time and headspace by doing less??? Maybe your to-do list can actually have a finish line? If you want to do less and be more fulfilled, then stay tuned to this episode of The Fat & Broke Podcast!
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Intro:
A quick conversation about enjoying the outdoors and mosquitoes.
Topics Discusses & Questions Answered:
In today's show we answer the following about the state of the current stock market:
- How to be more fulfilled by doing less.
- What is a not-to-do list?
- How to make a list like this?
- How to go from good to great as a person?
- What things have we already stopped doing?
- What things would we like to stop doing going forward?
Resources:
Good To Great, Jim Collins
Tim Ferriss Not-To-Do List
Show Summary:
What is now for June 2nd, 2022?
In today’s WIN, we discuss:
- Shrinkflation
- Record High Rent
- Cruise Ships Are Awful
- Revenge Spending
- When To Buy Expensive Things
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Fan Feedback:
- None
Resources:
- None
Show Summary:
We have all heard a version of this statement before: financial disagreements are the number one cause of conflict in relationships. But even know you have heard that a million times, have you ever really thought about why? Have you spoken with your partner about it? Have you done anything to prevent it? Jenny Boyer returns today to help us explore love and money. Next, on the Fat & Broke Podcast.
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Intro:
We have an awkward conversation about kissing, and following that, we discuss the importance of Memorial Day and reflect on what is essential on this day.
Topics Discusses & Questions Answered:
In today's show, we answer the following about the state of the current stock market:
- Most common money mistakes that couples make.
- Should partners combine their money?
- The best way to talk about money.
- The pizza box money talk. How to find common ground.
- The importance of discussing money BEFORE marriage.
- Who's debt is it?
- The pros and cons of a one-income household.
Resources:
- Get The Pizza Box Vendiagram When You Sign Up For Our Email List
Hidden Footage:
Listen to an awkward conversation we have about kissing and Peter's tongue!
Show Summary:
Welcome to the Fat & Broke Win or Fail Mastermind Group. In today’s session, we discuss
- Peter’s shitty old car is broken.
- Gary is planning a practice retirement this Summer.
- Sarah was going to talk about abandonment but instead talks about working more???
Small Talk:
Summer has finally arrived in the northeast. We discuss how happy this makes Peter and Sarah and how annoyed Gary is by their happiness!
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Resources Mentioned In This Episode:
- Choose FI | 022 | The True Cost Of Car Ownership
Show Summary:
How low can it go? Is the market at the bottom? Can and will it go any lower? Should I sell? Why I am losing so much money? These are all questions I have heard a lot over the past few weeks and months. In today’s episode of the Fat & Broke Podcast, we discuss the current market conditions and what we can all do now and in the future when this happens again.
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Action Items/Conclusions:
In today's show we answer the following about the state of the current stock market:
- How much has the market dropped?
- Why has the market dropped so much?
- How does this compare to prior “crashes?”
- Where will the market go next?
- What should you do with your money now?
- How should you plan for the next market downturn?
Resources:
- The Retirement Manifesto
Show Summary:
In today’s WIN, we discuss:
- Semaglutide Injections
- Fecal Transplants
- Bitcoin in your 401K
- Skin Cancer
- HSA’s
- I-Bonds at 9.62%
- We Answer A Listeners Question About Insulin
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Fan Feedback:
Listener Paul sent us this email and we answer his question:
New listener here; heard you guys on the Stacking Benjamins Podcast and I'm binging from the beginning. I wanted to ask about insulin. I heard Benjamin Bikman on another podcast advocating getting your insulin checked in addition to glucose and a1c. His argument is that insulin level will tell you your level of insulin sensitivity better than glucose. I signed up to get mine tested, but I wanted to know if this guy is a quack and/ or if there are any downsides to getting this test done (other than the $23 it costs). If you already addressed this sorry, I'm catching up, and if you answer this on an episode, can you email me so i can skip ahead?
Resources:
- TreasuryDirect.gov
Show Summary:
Back in episode 114, we discussed the health benefits of heat exposure. Today, as promised, we take a deep dive into the health benefits of cold exposure. Peter has been holding this one in for a while, so get ready for some learning!!
We start the show by reviewing the benefits of heat exposure that we discussed in episode 114. After that, we deep dive (no pun intended) into the positive effects of cold plunges.
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Action Items/Conclusions:
Cold immersion, like heat exposure, offers many positive health benefits when done correctly. Peter helps us to better understand all of the benefits along with the appropriate usages and protocols to follow. We also discuss when NOT to use it despite some common beliefs to the contrary. In the end, heat and cold exposure both offer many health benefits that most of us can benefit from.
Topics Discussed:
- Hormesis
- Cold Immersion
- Cold Plunge
- Hormones
- Neurotransmitters
- Cold Shock Proteins
- Energy
- Thermogenesis
- Brown Fat
- Metabolism
- Immunity
- Inflammation
- Mental Health
Resources:
- Plunge
- Funny Cold Plunge Video
- 114 | It's Getting Hot In Herre... | The Health Benefits Of Heat Exposure
Show Summary:
Welcome to the Fat & Broke Win or Fail Mastermind Group. In today’s session, we discuss
- Gary is Running Thin
- Sarah is Lacking Commitment
- Peter’s Modeling Career
Exciting News:
Sarah is an Auntie! Sarah’s sister had a beautiful baby girl. We start the show by celebrating this amazing news with her.
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Show Summary:
What does it mean to be a Healthy, Happy Human? How can you achieve happiness and health in your own life? As the pace of our lives accelerates, these are questions that many of us never stop to consider. In today’s show, our guest and host of the Healthy Happy Human Podcast, Paul Levitin, help us explore these questions and much more. Next, on the Fat & Broke Podcast!
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About Our Guests:
Paul Levitin:
Paul Levitin is a behavior change specialist and a lifestyle design coach. As a writer, coach, podcaster, and public speaker, he helps millennials stagnant in their career and life quit quitting on themselves so that they can unlock unlimited self-confidence, and passion, and have “total life alignment”. Paul is the host of The Healthy Happy Human Podcast. In today's show, we will explore what it takes to be a healthy happy human.
Paul’s Profile Page
Topics Discussed:
- Happiness
- Fixed Mindset
- Growth Mindset
- Scarcity
- Abundance
- Weight-Loss
- Fitness
Resources:
- Healthy Happy Human Podcast & Website
- Tiny Habits, BJ Fogg
- 7 Habits of Highly Effective People, Stephen R. Covey
- Think & Grow Rich, Napoleon Hill
Show Summary:
In today’s WIN, we discuss:
- Intermittent Fasting
- Alpha-Gal Syndrome
- Signs Of Alzheimer's Disease
- The Big Mac Index
- Sauna Workouts
Happy Cinco De Mayo! We review Peter’s bizarre approach to holidays.
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Fan Feedback:
- Listener Brandon left us two voice memos, one fat and one broke. We answer his questions about habit stacking and Coast FI at the end of today's show.
Resources:
- The Big Mac Index
- Hot Worx
- The Tail End
Show Summary:
Have you noticed that everyone else's vacations seem way better than yours? Is your social media feed filled with perfectly posed sunset heart hand pics? Does all of this make travel seem overly complicated, expensive, and not for you? Our next guests are on a mission to spread the message about travel for REAL people. In today's episode of the Fat & Broke Podcast, we welcome Maggie and Caren from the blog Trek Simple to share with us their approach to travel and how we can all make exploring the world a reality.
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About Our Guests:
Caren Merz:
Caren is a tech writer that would rather be travel writing. DIY-er, gardener, fantasy nerd, and a lifter of heavyweights. Heading towards FIRE and traveling cheaply while doing it.
Caren’s Profile Page
Maggie Gunther:
Maggie Gunther is the co-founder of TrekSimple, a travel blog “for real people,” and an economic development communications professional and Realtor. She holds a Bachelor’s degree in Journalism from the University of Central Florida and an MBA from Florida Atlantic University.
She is involved in various community and charitable organizations in the Greater Fort Lauderdale area. In 2016, she was named 40 Under 40 by the South Florida Business Journal. In 2019 she was named 40 Under 40 in Economic Development by the IEDC.
When she’s not working or volunteering, Maggie enjoys exploring new places, writing for her blogs, learning about history, taking in live entertainment, including concerts and theater, and spending time with friends, family, and her dog Mollie.
Maggie’s Profile Page
Topics Discussed:
- Travel
- Saving Money On Travel
- Eating Healthy While Traveling
- Travel Scams
- Exercising While Traveling
- Trip Planning
- Negotiating Travel Rentals
- Vacation Grocery Shopping
- Travel Influencers
Resources:
- TrekSimple Website
- Caren’s Google Doc For Trip Planning
- Maggie’s Excel Sheet For Trip Planning
- Caren’s PowerPoint/Google Slide For Trip Planning
- Love Big Island Blog
- Hostelling International
- 75 Hard
Show Summary:
Welcome to the Fat & Broke Win or Fail Mastermind Group. In today’s session, we discuss
- Gary wants to be a better leader.
- Peter has a steroid meltdown.
- Sarah is learning to let go.
Update From A Prior Show:
Peter did a living wake for his mother’s birthday. We talk about how this experience went, what was said, and if he will continue this in the future.
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Resources Mentioned In This Episode:
None
Show Summary:
Have you ever thought about working for yourself? Most of us have at least considered it at one time or another. But, could you imagine “accidentally” starting a business? Our guest today, Brett Scott, did just that. In this episode of The Fat & Broke Podcast, we talk to Brett about how he went from graduating from Physical Therapy school with no plans of entrepreneurship to owning Barbell Therapy & Performance and Arkitect Fitness….by accident! Stay tuned to hear how Brett used failure, luck, coaching, and more to achieve amazing success.
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About Our Guest:
Brett is a physical therapist, national-level weightlifting coach, competitive weightlifter, and entrepreneur. He is the owner of Barbell Therapy & Performance and Arkitect Fitness. With over 10 years of experience in the strength and conditioning field, Brett founded Barbell Therapy in 2017 after finishing PT school knowing there was something unique he had to offer to patients. His mission of Barbell Therapy is to treat AND COACH athletes and active adults back to elite levels of performance. After accidentally starting Barbell Therapy, his love, passion, and success for coaching in a unique semi-private model continued to grow and flourish into what is now Arkitect fitness. You can find both businesses in Concord, NH, and Tyngsboro, MA.
Topics Discussed:
- Entrepreneurship
- Coaching
- Failure
- Culture
- Lifelong Learning
- Invest In Yourself
- Goals
- Business School
Resources:
- Barbell Therapy & Performance
- Arkitect Fitness
- Brett’s Email
- Brett’s Profile Page
- The E-Myth, Michael Gerber
- Free To Focus, Michael Hyatt
- Paul Gough
Show Summary:
In today’s WIN, we discuss:
- Are we nearing an expanding housing bubble?
- Soaring egg prices
- Training the muscles of the vascular system
- Investing in Russia
- 5 ways to lower your cholesterol
- The downside of using coupons
Happy financial literacy and librarians week! We have a quick discussion about the importance of financial literacy which also leads to a discussion about the importance of volunteering your time to help others and your community.
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Show Summary:
Can you name something you pay for in your life and hope that you never have to use it? Still thinking??? Let me help. The one that comes to mind first is insurance. We all need it. Most of us have many forms of it. BUT we all never hope actually to use it. And when we do use it, we get charged more to keep owning it!! Today, Stacey Taylor, A Farmers Insurance Agency Owner, helps us better understand the many types of insurance available. What do we need? How much do we need? All that and much more on Episode 118 of The Fat & Broke Podcast!
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About Our Guest:
Stacey has been a Personal Insurance professional for over 21 years. She began her career w/ MetLife Auto & Home in January of 2001 in the claims department and advanced her way through various positions. She ultimately left while holding the role of Senior Litigation Adjuster. Stacey transitioned into the sales department in 2010 as a call center sales rep and then opened her own office in Pepperell as a local agent in 2013. She is now a Farmers Agency Owner. Stacey is currently selling to and servicing customers in MA, NH, and ME with a book of business around $1.8M.
Topics Discussed:
- Insurance
- Auto Insurance
- Homeowners Insurance
- Life Insurance
- Pet Insurance
- Umbrella Insurance
- Credit Score
- Deductible
- Rates
- Claims
- Discounts
Resources:
- Stacey's Profile
- Stacey Taylor’s Farmers Insurance Website
- Stacey’s Email
Show Summary:
Welcome to the Fat & Broke mastermind group. In today’s session…
- The Beginner’s Mind
- Winning At The Grocery Store
- A Money Win AND Fail?
The show starts by following up on Peter’s monthly grocery spending. He has implemented many strategies that have proven to be successful. We discuss those strategies as well as what he plans to do going forward.
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Win or Fail Mastermind Group Session:
Peter
Peter has been hacking a local grocery app and getting some great values. He details how he is doing it and how we can all do the same with our local grocery stores.
Gary
Gary discusses the idea of “The Beginners Mind.” We define what this is and how Gary has been trying to implement this with coaching, work, and in all aspects of his life.
Sarah
Sarah finally did her taxes? Who cares? Well, this is important because she normally does it right away because she needs the money. This year she almost forgot about it because she is handling her money so well that she didn’t have the need to get the tax money so quickly.
She also has a fail because she has spent about $1000 on veterinarian bills in the past month with more to come.
Show Summary:
Do you know what your credit score is? I mean right now, if I asked you, could you tell me your score? For many, the answer to this question is no. In a game that we have all been playing since we were teenagers, many of us or woefully ignorant of our score and the rules of the game. Our goal is to help you understand the rules, win the game, and in the end, save you a LOT of money. Today, we explore the nuance of the Credit Score system and how you can make it work in your favor!
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Factors That Affect Your Credit Score:
- Payment History = 35%
- Credit Utilization = 30%
- Length Of Credit History = 15%
- Types Of Credit = 10%
- New Credit = 10%
Action Items To Improve Your Credit Score:
- Pay On Time
- Increase Credit Limit/Line
- Don’t Close Old Cards
- Get New Cards
- Pay Weekly or Bi-Weekly
- Become An Authorized User On Someone Else's Card
- Dispute Errors
- Pay Off Accounts In Collections
- Have A Wide Mix Of Credit
Topics Discussed:
- What is a credit report?
- What is a credit score?
- What are the credit score ranges?
- What is a good credit score?
- What is a bad credit score?
- What is a credit score used for and who uses it?
- What factors affect a credit score?
- How to lower a credit score?
- How to raise a credit score?
Resources:
- Credit Karma
- AnnualCreditReport.com
- MINT
- FICO
- Vantage Score
- Experian Boost
Show Summary:
In today’s WIN, we discuss:
- Medical Debt Forgiveness
- The Ups and Downs of Gas Prices
- Getting Salty
- Joy & Vitality
- & Surgery Not Required
Update: Peter’s sauna has been installed and is running. He is very excited! We will revisit this in 3 months to see what physiologic changes have occurred in Peter after sustained sauna usage.
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What Is Now:
Sarah’s W.I.N’s:
- Sarah discusses 8 keys to greater joy and vitality. We discuss the 8 keys, some of which we currently implement and others we need to work on. Listen to the show to hear the 8 keys!
- Peter loves salt! Sarah gives us some of the many benefits of salt other than its use in food preparation. Gary and Peter are amazed at what salt can do.
Peter’s W.I.N’s:
- Peter discusses some recent research that indicates many surgeries are not necessary and that long-term outcomes are actually better without surgery and by using conservative management. We discuss our own experiences with this as Physical Therapists and give our own recommendations to our listeners.
Gary’s W.I.N’s:
- The major credit bureaus made an announcement recently changing the way that medical debt will be reported on credit reports. We discuss these changes and why they are a good thing for the American people.
- A listener sent us an email asking why gas prices rose so quickly when oil prices went up but have since dropped slowly even though oil prices have dropped significantly. Gary explains the concept of “rockets and feathers” and gives some reasons why this phenomenon occurs. Hint: some of it is greed!
Fan Feedback:
- Jackie wrote in to the show giving us some great tips on email cybersecurity.
- Heather left us a voice memo asking why the medical field in the United States doesn't recommend sauna use more after learning about all of the benefits we discussed in Episode 114.
Resources:
Never Pay the First Bill: And Other Ways to Fight the Health Care System and Win, Marshall Allen
Show Summary:
“If you don’t know where you’ve come from, you don't know where you are going.” These are the words of Maya Angelou and the theme of our show today. The Fat & Broke Podcast turns 1, so we are taking some time to reflect on our favorite moments, summarize what we and you should have learned over the past year, and look forward to what is coming next. Welcome to the Fat & Broke Birthday Show!
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Fun Facts:
- Total Shows: 122
- Hours Spent Making The Show: 1045
- Recorded Hours/Minutes: 104.9
- Money Made: $0
- Downloads: 24,000
- Fights: Many Between Sarah & Gary
- Family Members That Hate Gary: A Lot
- Most Listened To Episode: 106 | Dr. Brian DiGiovanni | Raising Kids In The Age Of Technology
- Interviews: 14
Shows Referenced:
- 007 | It's Your Debt, Pay It | Overcoming the Victim Mindset
- 011 | Our Pillars Of Fulfillment
- 021 | DIY Your Favorite Food | Benefits of Cooking & Eating at Home | Tips & Favorite Dishes
- 044 | Win or Fail Mastermind Group | True Values, Folly Beach, & Lazy Sarah
- 055 | Why & How We Get Fat | The Fat and Broke Weight Management Model
- 092 | The Blue Zones | How To Live Forever | Secrets To A Long And Happy Life
- 102 | Friends Of The Library | How The Local Library Can Help On Your Journey To "Better Every Day."
- 106 | Dr. Brian DiGiovanni | Raising Kids In The Age Of Technology
- 108 | Estate Attorney Emily Spector | TRUST Us, You WILL Love This Show About Wills, Trusts, & More!
- Bonus Episode! | The Pod Squad On "The Stacking Benjamins Show!"
Show Summary:
Welcome to the Fat & Broke mastermind group. In today’s session…
- Gary has adopted a new credit card hack
- Peter is a creep
- Sarah Appreciates
The show starts by Peter calling out Gary for a horrible week. His sleep has been disrupted this week which led to poor cognition, diet, exercise, decision making, and a decline in his overall well being.
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Win or Fail Mastermind Group Session:
Peter
Peter has another money fail. Over the past year, he has experienced lifestyle creep. Specifically his monthly food bill has risen from $1000/mo to $2600 in February of 2022. We discuss how this happened and how he and his wife plan to fix it.
Gary
Gary has started paying his credit cards weekly. Doing this has created an odd sense of accomplishment for him, along with improving his credit score by getting more on time payments and lowering his credit utilization.
Sarah
Sarah helps us to appreciate people, experiences, and more in the moment. Specifically, she wants us to tell people how we feel about them while they are in our lives rather than when they are gone. This is great advice Sarah!
Show Summary:
It is hard to maintain good physical and mental health. It is even harder to do so in a world full of diet culture and body shaming. And it is even harder to do when you are a pre- or post-menopausal woman. Today, we welcome Kerry Madden to the show. Kerry is the creator and owner of KAM Fitness and Nutrition. After struggling with many of these same issues, she went on her own wellness journey to find some answers. She has now opened her own business and is here with us today to share what she found out! All this & more on episode 116 of The Fat & Broke Podcast!
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Action Items/Conclusions:
- Lift Heavy Things
- Perform High Intensity Interval Training (HIT), Sprint Interval Training (SIT), and Plyometrics
- Move Well
- Get Adequate Protein & Nutrition
- Optimize Your Sleep Hygiene
Topics Discussed:
- Wellness
- Disordered Eating
- Diet Culture
- Body Shaming
- Menopause
- Hormone Replacement Therapy
- Nutrition
- Fitness
- Mental Health
Resources:
- KAM Fitness & Nutrition
- Precision Nutrition Article
- Next Level: Your Guide to Kicking Ass, Feeling Great, and Crushing Goals Through Menopause and Beyond,Stacy Sims
- ROAR: How to Match Your Food and Fitness to Your Unique Female Physiology for Optimum Performance, Great Health, and a Strong, Lean Body for Life, Stacy Sims
- Hit Play Not Pause Podcast
- North American Menopause Society
Show Summary:
In today’s W.I.N., we discuss:
- Stupid Fitness Headlines
- Daylight Savings Time
- Re-Pri or Re-Fi
- Buy Now, Pay Later
- Happy Hormones
- Gas Vouchers
- & Eye Lies
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What Is Now:
Sarah’s W.I.N.’s:
- Want to learn how to trigger your happy hormones voluntarily? Sarah walks us through some tips to be happier.
- We take some time to debunk some common eye myths, such as: are carrots the best vegetable to eat for your eyes?
Peter’s W.I.N.’s:
- Have you ever fallen for clickbait? We all have. Peter gives examples of some familiar stupid fitness headlines designed to get us to click.
- Re-price or Re-finance? Which is better to do? We discuss the difference between the two and which one may be best.
Gary’s W.I.N.’s:
- Do you hate daylight savings time? Gary does, and he goes on a rant about it at the start of today’s show. We discuss the negative medical impact that DST has and why it should go away.
- Gas prices are out of control! We discuss some possible relief that might be heading our way regarding gas vouchers and suspended gas taxes.
Show Summary:
Some people like it hot and some like the cold. But, did you know there are actual health benefits to both and it's not just a comfort thing? Today, in episode 114 of The Fat & Broke Podcast, we explore the concept of heat exposure, what it is used for, and who can benefit from it.
Is Peter trying to justify the purchase of his sauna? We discuss!
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Action Items/Conclusions:
Sauna bathing is associated with many health benefits, from cardiovascular and mental health to athletic endurance. It is generally considered safe for healthy adults and may be safe for special populations with appropriate medical supervision. Heat stress via sauna elicits hormetic responses driven by molecular mechanisms that protect the body from damage, similar to those elicited by moderate to vigorous-intensity exercise, and may offer a means to forestall the effects of aging.
Topics Discussed:
- Heat Exposure
- Sauna
- Hyperthermia
- Anti-inflammatory
- Adaptation
- Heart disease
- Cardiovascular System
- Dementia
- Heat Shock Proteins
- Mental Health
- Hormones
- Fitness and Performance
- Detoxification
Resources:
- None
Show Summary:
Update: Gary survived his intuitive eating challenge for February. He was able to lose weight over the course of the month. However, he lost his challenge to Peter.
In today's mastermind session, we explore the soundtracks in our heads, whether they serve us or not, and how and when to change them.
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Win or Fail Mastermind Group Session:
We deviate from our normal format and decide to have a roundtable discussion about how the stories we tell ourselves can get in the way of progress. We each give a positive and negative “soundtrack” and discuss whether it is serving us now and if not, how we can change it.
Much of the credit for this conversation goes to my long-time friend, Jon Acuff, and his new book “Soundtracks.” Please click the link below to learn more about Jon and his other amazing books, blogs, podcast, and more!
Resources Mentioned In This Episode:
- Soundtracks, Jon Acuff
- All It Takes Is A Goal
Show Summary:
Did you learn about money when you were a kid? Do you remember what that looked like? Do you feel as though you were financially literate when you started adulting? In episode 25, we spoke about our childhood money memories. Today, with the help of our good friend Jenny Boyer, we are discussing how to raise money-savvy kids? Allowance, jobs, saving, giving, college, and more on Episode 112 of The Fat & Broke Podcast!
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Boyer Financial Plan:
Phase 1: Age Kindergarten to 11 y.o.
Child responsibilities:
-
Allowance starts in Kindergarten and ends at 11th birthday.
-
$1 for every year old. Ex, $6/mo for a 6-year-old
-
Stops on their 11th birthday.
-
Learns about needs v. wants.
-
Child has the ultimate say for what they spend their money on.
-
Family Chores are expected.
Parent contribution:
- Extra jobs paid for.
2.$200 for school clothes - they learn to budget, if they want more - they pay for it.
3.“Boyer Benefits Package” starts in Kindergarten:
- 100% savings match
- Pay a late fee of $1/week if we are late paying allowance - teaches them about late fees
- 6 free Therapy Sessions to fix mistakes we make :)
Phase 2: 11 y.o.-15 y.o.
Child Responsibilities:
-
Everything from the previous phase.
-
Start working bigger jobs for money
-
For neighbors: walking dogs, mowing lawns, babysitting, etc.
- Same for us. If we are doing service either church or community, they babysit for free. If we go out on a date we pay them.
-
Bigger Life Skills training happens here like grocery shopping.
-
They help pay for bigger things:
-
50% of camps up to $200.
- Broken/lost retainers, etc.
Parent Contributions:
-
Teach about Loans
-
Will give HIGH-interest loans (50-100% - make it painful)
-
Teach about Contracts (*Rachel/Emily loan shark story)
-
Help them find employment. Teach them about being a good employee.
-
Pay for training
- Talk to neighbors
- Come up with jobs.*They are NOT allowed to whine if I am paying them.
Phase 3: 16 y.o. - high school graduation
Child Responsibilities:
-
Everything from previous phases.
-
Pay for gas, oil changes in cars. (motivates them to get a job, and budget $, make/keep mechanic appointment).
-
Call insurance to see what will raise premiums - they pay the increase for a ticket or accident.
Parent Contributions:
1.$250 for school clothes
-
Pay for beat-up car
-
Insurance
-
Maintenance (they must take it to our mechanic for oil changes. He keeps an eye on the car for us.)
-
Pay for extracurricular fees/equipment.
-
100% savings match ends when they graduate from High School.
-
*If we were good like Gary, we would teach about investing during these years…
Higher Education Years: (These sums don’t change if they get married.)
Year 1 child: All clothing, extras, fun money, textbooks, college laptop, same car expenses, dorm decorations, etc.
Year 1 parent: All housing, Tuition. (We want them to get used to college and the social life the first year.)
Year 2 Child: Everything from year 1 plus ⅓ of the expenses.
Year 2 Parent:
- We have 3 more years we have budgeted for.
Show Summary:
In today’s WIN, we discuss:
- Financial Infidelity
- Blue Zone Bread
- Superfoods
- Apple Watch Benie’s
- Keys To Being Old & Happy
- & More Benefits of Vitamin D
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What Is Now:
Sarah’s W.I.N’s:
- The blue zones are back! We discuss the bread that people in the blue zones eat. The most common bread in these regions is sourdough, whole grain/wheat/rye, pita, and cornbread.
- Sarah discusses the seven habits that lead to happiness in old age. This is referred to as the Happiness 401K. The seven habits are: cultivate relationships, prioritize movement, don’t smoke, don’t drink, maintain body weight, manage stress, and lifelong learning.
Peter’s W.I.N’s:
- Vitamin D levels have been linked to Covid severity. Those with higher levels of Vitamin D prior to getting Covid has a significantly lower chance of getting severe Covid.
- The top 10 superfoods of 2021! We discuss the top ten foods and some that they missed. Peter seems to have his own list.
Gary’s W.I.N’s:
- Three out of ten couples experience financial infidelity. We discuss what this means, whether or not we have done it, and the best ways to avoid this happening to you and your partner.
- An insurance company in Australia issued free Apple watches to members to help promote increased activity levels. If participants did not reach their movement goals, they would have to pay for the watch and higher insurance rates. The study showed that participants increased their activity by 35% over the course of two years.
Fan Feedback:
- None
Resources:
- None
Show Summary:
Welcome to a bonus episode of The Fat & Broke Podcast. Before we begin, we want to send our thoughts and prayers to the brave people of Ukraine as they fight to defend their homeland from an unjust invasion and pure evil.
In light of those recent events and the ripple effect it has had on the world economy, we are releasing this special episode to discuss how the Russian invasion of Ukraine is affecting our personal finances and what if anything we should do about it.
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Show Summary:
Does “Better Every Day” feel unrealistic? Are there some days, weeks, or even months where you just struggle mentally, physically, or emotionally? Are some days just harder than others? Today, we discuss that it is OK NOT to be OK…temporarily and the struggle between trying our best, just getting by, good enough, and most of all, who decides??? How can we recognize a rut when we are in it? How do we get out of it? And how can we help ourselves heal? All of that & more on a very special episode of The Fat & Broke Podcast.
We welcome Chris Urato and Jessica to the show today!
The show starts with a gratitude session.
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Action Items:
- Start with the end in mind.
- I am the person that…
- Create accountability.
- Create sustainable habits.
- Learn to say no.
- Easy choices, hard life. Hard choices, easy life.
- Define what “Better Every Day” is for you.
- Be present in the moment.
- Do what makes you happy.
- Define your own good enough.
- Comparison is the thief of joy.
- It's OK to not be OK.
Topics Discussed:
- Mental Health
- Emotional Health
- Hormones
- Depression
- Anxiety
- Stress
- Healing
- Saying No
- Dwelling
- Self-Limiting
- Habit Formation
- Good Enough
- Stoicism
Resources:
- The Tail End, Wait But Why
- The Daily Stoic
- Man’s Search For Meaning, Viktor Frankl
- Luca, Disney
Show Summary:
Update: Gary has purchased a new car!
In today’s show we discuss:
- Martial Arts
- Time In The Market
- Just Start
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Win or Fail Mastermind Group Session:
Peter:
Peter has started doing martial arts again. This time, he is doing it with his wife and kids to make it more of family activity. He is now able to do something he loves and also spends time with his family. Additionally, his family is learning self-defense.
Gary:
Gary celebrates two financial wins from this past year.
- He and Jessica’s investments earned more than their salaries last year.
- Their dividends kicked off more than $25,000 on income.
He brought this up not to brag but to re-emphasize the value of long-term consistent investing in the market and to highlight how this approach also works in most aspects of our life. Making the right choices consistently over a long period of time results in huge gains.
Sarah:
Sarah talks about bartending again! Now that she has been working as a bartender for a few months, she regrets not having started sooner. We explore why she waited and how this may change her decisions in the future. The message is “just start.”
Resources Mentioned In This Episode:
None in this show
Show Summary:
Ben Franklin once said that in this world, nothing is certain but death and taxes. We will discuss taxes on a later show, but we are talking about death today.
Why? Because no one likes to talk about it, most people are woefully underprepared for what will happen to their family and assets when they die. Are you one of those people? The odds are that you may be, as nearly 60% of Americans do not have an estate plan
Today, on episode 108 of the Fat & Broke Podcast, we welcome Attorney Emily Spector to the show to discuss all things Wills & Trusts!
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Topics Discussed:
- Asset Protection
- Incapacity
- Guardianship
- Wills
- Trusts
- Probate
- Beneficiaries
- Taxes
- Estate Tax
- Power of Attorney
- Health Care Proxy
- Living Will
Action Items:
- Assign beneficiaries to all of your accounts, especially financial accounts.
- Have a will drafted. Something is better than nothing.
- If you have assets, you probably can benefit from a trust to avoid probate.
- If you have children, you want to make sure you have assigned guardianship legally.
- Planning in case you are incapacitated will make sure your wishes are honored and it takes away decision-making from your family.
- Contact an estate planning attorney to help guide you with what you need for your particular situation.
- Find an attorney that you actually like and fits your personality.
- Review your estate plan every three to five years.
Resources:
- Emily Spector, Ganz Law Group
- The Tail End, Wait But Why Blog
Show Summary:
In today’s WIN, we discuss:
- Blue Lights
- How to Add 13 Years To Your Life
- Amazon Raises the Cost of Prime Again
- Little Free Libraries
- Amex Digital Checking Accounts
- Broken Heart Syndrome
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What Is Now:
Sarah’s W.I.N’s:
- Studies are being done to determine if blue light from screens damages our skin. There is no evidence supporting this claim, but more research is required. We discuss possible preventative measures.
- Sarah enlightens us on what little free libraries are and how we can start one of our own.
Peter’s W.I.N’s:
- As usual, Peter wants to live forever. We discussed an article he read that stated changing your diet can potentially add 13 years to your life. How? Listen to the show to learn more!
- Peter talks about money!! He is interested in a new product from American Express that offers a high-interest checking account along with a rewards debit card. We discuss this product and if he should make the switch.
Gary’s W.I.N’s:
- Amazon is raising the cost of Prime again. We discuss whether or not it is worth it, other possible alternatives, and the general need to review and potentially cancel subscriptions.
- There has been a significant increase in broken heat syndrome during the pandemic. We discuss this and give Sarah a quiz to see if she has it.
Fan Feedback:
- None
Resources:
- Little Free Library
- Walmart +
- Broken Heart Syndrome Quiz
- American Express Rewards Checking
Show Summary:
Every generation thinks that technology is harming their children. There was a time that we feared comic books, cartoons, MTV, and basic computer games. Is today any different? In the age of technology, where screens are everywhere, is there such a thing as too much?? What harm, if any, is technology having on our kids? To answer these questions and more, we welcome Dr. Brian DiGiovanni to episode 106 of The Fat & Broke Podcast!
Dr. DiGiovanni is a graduate of Boston University School of Medicine and Hasbro Children's Hospital Pediatrics Residency Program. He has been a pediatrician for almost 20 years, with interests in complex care coordination, sports medicine, school and academic challenges and disabilities, advocacy, and whole child health.
Bonus We sing in this episode!
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Topics Discussed:
- We sing acapella
- Kids & technology
- Screen time
- Screen addiction
- Gaming addiction
- Modeling behaviors
- Why today’s technology is different
- Obesity
- Eye damage
- Posture
- Back and neck pain
- Sleep
- Nutrition
- Relationships
- Independence
- Setting limits
- Family tracking
- Blue light
Action Items:
- Limit screen time to 2 hours or less.
- Identify unhealthy behaviors in your children as it relates to screens.
- Encourage activity and movement.
- Get devices out of the bedrooms.
- Schedule family mealtime to promote good nutrition.
- Have open and honest communication with your kids.
- Set limits and enforce them with respectful behavior.
Resources:
- Diagnostic and Statistical Manual of Mental Disorders
- Potter Stewart, Supreme Court Justice, “I know it when I see it…”
- Baby Einstein
- Boston Children's Clinic for Interactive Media and Internet Disorders (CIMAID)
- The Four Tendencies, Gretchen Rubin
- The 5 Love Languages, Gary Chapman
Show Summary:
The Fat & Broke Podcast has been invited to be on another very successful podcast. More information to follow!
Update: Gary’s car has finally died and he needs a new one. The team discusses his plan.
In today’s show we discuss:
- Sarah's Stress
- Peter's Sword
- Gary's Intuition
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Win or Fail Mastermind Group Session:
Peter:
Peter was lazy and did not winterize his home. The end result is that snow and ice ruined his gazebo. This is an example of not sharpening the saw! Peter is going to be more mindful of situations like this in the future.
Gary:
After 3.5 years, Gary has decided to stop tracking his food and try intuitive eating. We discuss the parameters and goals of this experiment.
Sarah:
Sarah has been very stressed lately. We explore some of the possible causes and solutions with her.
Resources Mentioned In This Episode:
None This Show
Show Summary:
The hosts of The Fat & Broke Podcast were honored to be asked to join one of Gary's favorite shows, The Stacking Benjamins Show.
Enjoy this short bonus content as we are interviewed by Joe Saul-Sehy from his mom's basement! It was an honor and a thrill!
If you have not already, please check out The Stacking Benjamins Show. They make money fun!
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Resources:
- The Stacking Benjamins Show
- Watch the Video Here!
Show Summary:
Do you want to read, exercise, meditate, or just generally take better care of yourself, but a feeling of guilt stops you? Do you find happiness in areas that others tell you that you shouldn’t, like food or binging shows? Today, we are discussing Self-care and whether or not it is inherently Self-ish? We will also give our advice as to how to selflessly make Self-care a part of your life. This and more in episode 104 of The Fat & Broke Podcast!
We also welcome Jessica back to the show and we all start the conversation with a statement of gratitude.
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Topics Discussed:
- Gratitude
- Self Care
- Selfish
- Physical Health
- Mental Health
- Sacrifice
- Guilt
- Mindfulness
- Signs that Self-Care is Becoming Self-ish
Action Items:
- Define what self-care means to you.
- Start with the end in mind.
- Sharpen the saw.
- Block out time for self-care.
- Put self-care first.
Resources:
The 7 Habits of Highly Effective People, Stephen Covey
In today’s WIN, we discuss:
- Mark Cuban Is Selling Drugs
- Medieval Sleeping Habits
- Empathy
- Sarah’s Moving To Spain
- And Can Our Eyes Predict Our Death?
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What Is Now:
Sarah’s W.I.N’s:
- A recent news story was exploring how people slept during medieval times and whether or not we would be better off returning to that. Before the industrial revolution, people would have 1st sleep and 2nd sleep instead of one long sleep. After we invented artificial light, we went away from this model. Which is the right way to sleep? We discuss.
- Spain has recently adopted some laws giving animals/pets similar rights to humans. Sarah is happy about this and has decided to move to Spain. Gary and Peter are skeptical.
Peter’s W.I.N’s:
- Peter discusses how having empathy can affect how we react to situations allowing us to avoid getting angry. We have a great discussion on the power of empathy.
Gary’s W.I.N’s:
- Mark Cuban has started an online pharmacy company with the goal of providing less expensive medications to those who can not afford them. We discuss how this works and other alternatives.
- Recent research shows that eye health can be a predictor of life span. Gary leads a discussion about what clues can show us this and how our eye age and biological age can be different.
Fan Feedback:
- Jessica calls Gary out on not getting his heart and tooth fixed.
- Stacey calls Peter out for attributing a quote from Thoreau to Joe Rogan.
Resources:
- Mark Cuban Cost Plus Drug Company
Show Summary:
When was the last time you visited your local library? Still thinking? If so, it’s time to get off of the couch and go see what your library can do for you! Libraries are essential to our communities but also to our pursuit of being better every day. They are great sources of knowledge, can save you a ton of money, and are places where communities can congregate and grow stronger. On today's show, we welcome Ms. Stacey and Ms. Molly from the Townsend Public Library to help us learn more about our local libraries and how we can better utilize and support them.
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Topics Discussed:
- Library Science
- E-Books
- Library Business
- CW Mars
- Why Authors Like Libraries
- Library Budgets
- Money Saved By Using The Library
- Endowments
- Donations
- Life Development
- Other Library Resources
- Library Of Things
- Wi-Fi
- Computers, Fax, Streaming
- Boardgames
- Magazines, Newspapers, Puzzles
- Classes
- Kids Events & Classes
Action Items:
- Join your local library
- Donate to your library
- Go to town meetings to advocate for library budgets
- Volunteer at your library
- Teach a class at your library
Resources:
- The Complete Tightwad Gazette, Amy Dacyczyn
- CW MARS
- Jon Acuff
- Kanopy
Show Summary:
In today’s show we discuss:
- What makes Sarah happy?
- Gary adopts a gratitude mindset.
- Peter makes a poor money decision.
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Win or Fail Mastermind Group Session:
Peter:
Peter attempts to justify a poor money decision to buy a sauna. Gary calls him out and explains what he did wrong and a better way to go about it. This is a good example of how we can tell ourselves stories to convince ourselves we are right.
Gary:
Gary talks about how adopting a gratitude mindset helped him make the most out of working a weekend at the hospital. His goal was to make the weekend better for the patients, nurses, and himself.
Sarah:
Sarah is working on being mindful of what makes her happy, realizing when it is happening, and trying to stay in those moments. We all discuss what moments and activities make us happy.
Resources Mentioned In This Episode:
None
Show Summary:
They said it couldn’t be done. Episode 100!!! Actually, no one said that but it sounds more dramatic this way. Did you know that most podcasts only last about 7 episodes? 7!! The odds were stacked against us, but here we are. Thanks to you, our listeners, we continue to grow and love doing it more every day. So this show is dedicated to you. In today's episode 100 of the Fat & Broke Podcast, we celebrate your wins and fails over the past year. Thank you for listening and enjoy the show!
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Topics Discussed:
- Weight loss
- Job change
- Credit score
- New challenges
- Learning new things
- DIY
- Continuous Improvement
- New PR’s
- Mindful health
- Financial progress
- Reconnections
- Mindless eating
- Taking back time
- Paralysis by analysis
- Being self-less
Action Items:
- None
Resources:
- None
Show Summary:
In today’s WIN, we discuss:
- America’s Top 3 Financial New Years Resolutions
- Tech Trends That Will Change The World
- Pope Francis
- The Best Diet of 2021 and
- Flu-Rona
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What Is Now:
Sarah’s W.I.N’s:
- Sarah teaches us about Flu-Rona. We talk about what this is and why it is dumb.
- Pope Francis is not a fan of pets! We discuss what he said and why Sarah is mad at him.
Peter’s W.I.N’s:
- Peter leads a discussion about how technology has infiltrated our lives and where it may be heading. We have a thorough conversation about tech that we like and don’t like and some of the moral and ethical issues around some of it.
Gary’s W.I.N’s:
- The top 3 financial resolutions for 2022 per Yahoo Finance are Save More, Spend Less, and Pay Down Debt. We review the best ways to go about doing all three of these.
- CNN has named their choice for the best diet of 2021. An the winner is…The Mediterranean Diet! We discuss the top 3 diets, what makes them good, and our stance on each.
Fan Feedback:
- None
Resources:
- Episode 37
- Episode 41
- Episode 46
- Episode 52
Show Summary:
What role should exercise play in our lives? Many people think that training is just for those who compete in sports or who want to look good in a bathing suit. The truth is, training in some capacity is important for all of us. In episode 70, we discussed how to eat for health, and in episode 82 we covered how to eat for performance. Today on the Fat & Broke Podcast, we dive into the 1st in a two-part series on training, by discussing how to train for health and longevity.
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Topics Discussed:
- Training for health vs. performance
- Cardiovascular training
- Cardiopulmonary System
- Breathing
- Lower risk of disease and sickness
- Brain health
- Weight management
- Strength training
- Quality of life
- Bone strength
- Blood sugar
Action Items:
- Training for cardiovascular health parameters
- 30 min per day of moderate exercise (heart rate 120-140 bpm)
- Track blood levels, HR, BP, and more to measure success
- Training for strength parameters
- Strength train 4-5 days per week
- Pair exercises
- Circuit train
Resources:
- Episode 70
- Episode 82
- In Time
Intro:
No intro. We jump right into the show.
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Win or Fail Mastermind Group Session:
Peter:
Pete talks about power dynamics and how it affects how we treat people. We discuss how this dynamic affects relationships in all environments, including work, school, sports, and home.
Gary:
Gary looks back on the year and makes a plan for a reset going forward. He has removed social media from his phone (again), stopped watching TV at night except when planned, silenced phone notifications, unsubscribed from a lot of emails, reframed his to-do list, and did a money review in which he found something alarming! The overall goal is to take back his time.
Sarah:
Sarah’s parents have finally left. She has been nesting and learning to live alone. We discuss the challenges and successes as she embarks upon living alone for the first time.
Resources Mentioned In This Episode:
None
Show Summary:
In episode 82, we helped you learn how to eat for performance. Today, we dive a little bit deeper into this topic as we welcome Suzanne Iovanni to the show to help us learn more about the challenges teenage female athletes face. Suzanne is the owner and founder of Building Better Nutrition, a virtual nutrition group practice. She is a Registered Dietitian, Board Certified Specialist in Sports Dietetics, and specializes in eating disorders, disordered eating, sports nutrition, digestive, and family wellness. In today’s show, we discuss nutrition, performance, wellness, mental health, and body image. All of this and more on Episode 96 of The Fat & Broke Podcast.
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Intro:
A quick disclaimer then right into the show.
Topics Discussed With Suzanne:
- Diet culture
- Guilt
- Parenting
- Scarcity mindset
- Food restriction
- Energy needs
- Body image negativity
- Malnutrition
- Sports nutrition
- Recovery
- Hunger cues
- Microbiome
- Metabolic testing
- Body composition
- Sleep
- Relative Energy Deficiency in Sports (RED-s)
- Eating disorders
- Disordered eating
- Supplements
- Processed food
Learn More and Contact Suzanne Iovanni:
- suzanne@buildingbetternutrition.com
- https://www.buildingbetternutrition.com/
- https://www.instagram.com/suzanneiovannird/
- https://www.facebook.com/BuildingBetterNutrition
Show Summary:
In today’s WIN, we discuss:
- Bank Fees
- Hormesis
- Exercises To Avoid After 50
- And what do our food choices say about our social class?
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Introduction:
Sarah is very feisty but we move forward and jump into the show.
Main Show:
Sarah’s W.I.N’s:
- Sarah makes Peter and Gary mad by giving them a list of exercises that people over 50 should NEVER do. Here is the list:
- Flat barbell bench press
- Barbell rows
- Bench dips
- Behind the neck lat pulls
Peter’s W.I.N’s:
- Humans have a higher resistance to cobra venom than other primates due to epigenetics and hormesis. Peter explains what hormesis is and why small doss stressors can make us stronger in the long run.
Gary’s W.I.N’s:
- Banks have started to eliminate overdraft fees. Gary celebrates this change in banking and is hopeful more banks follow suit. He also gives listeners advice regarding how to eliminate bank fees.
- Know your bank's policy
- Opt-out of overdraft protection
- Switch banks
- Sign-up for balance alerts
- Gary guides the squad through a food choice test to determine our social classes. Here are the results:
- Gary = Middle Class
- Sarah = Middle Class
- Peter = Middle Class
Fan Feedback:
- Connie had a question about wills and trusts. We are deferring that to episode 108 when we have lawyer Emily Spector on the show.
Resources:
- Ally Bank
- Food Choice Test
- Dialogue Between Ben Franklin & The Gout
Show Summary:
It is safe to say that all parents want their kids to grow up to be gritty, resilient, and independent. Accomplishing this is a whole other story. Today, we bring Jennie Boyer back to the show. If you liked what she had to say about saving money on groceries in episode 78, you will love what she has to say about how she teaches her kids the skills they need to be successful. In today’s show, we will discuss Jennie’s 10 tips for raising strong, independent kids and give examples of how we can all do the same.
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Intro:
We welcome Jennie back to the show and give some background as to her life and family.
Jennie’s Top 10 Tips For Raising Independent Kids:
- Purposeful Neglect
- Choose your battles – and win the ones you engage in.
- Have fun with them/don’t take yourself too seriously. Take time to be present for things that are important to them. They won’t listen if they don’t think you care. They will be too hurt. Poke fun at yourself to show them that life doesn’t have to be so serious. Let them see you fail and how you react.
- You need to live what you preach – kids are experts at spotting a hypocrite.
- Set expectations and communicate them early and clearly – NO basement dwellers, good grades, kind to each other, money expectations, needs v wants, etc.
- Talk about life skills, what they will need to know, how it will impact their lives, ask if they are working on that skill. I do this ad nauseum. My kids HATE this until they move out, and then they are so grateful.
- What do THEY want? Ex. Where do they want to go to college? What life skills do they want to learn? What classes do they want to take? What approach do they think will work to get their homework done? Throw in a few of your own by asking the question, “Have you thought about…”
- Set aside time to teach skill – expect to teach it 3-7 times; tell them, show them, let them try it with you there. If they think they can do it better another way – let them try. They might be right! (this builds confidence and lets them know you find them capable and are willing to listen to their ideas.)
- Let them try – and fail, teach them how to handle the failure. How to get help if I’m not there. If they fail, talk about all they did right, and then help THEM problem solve how they can do it differently next time. Then let them try again.
- Let them fly and cheer them on!
Resources Mentioned In This Episode:
- The Parenting Breakthrough, Merrilee Browne Boyack
- The 7 Habits of Highly Effective People, Stephen Covey
- Mindset, Carol Dweck
Intro:
No intro. We jump right into the show.
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Win or Fail Mastermind Group Session:
Peter:
Pete takes us through a thought experiment regarding assigning intent to someone's behavior and how that affects our experience at the moment. He suggests that if we remove the common practice of assigning intent, we will find that we get less mad and/or annoyed at the moment. Changing your mindset can change your reactions and actions.
Gary:
Have you ever said “what do you want to do today?” and then ended up doing nothing? It happens to Gary all of the time. So heading into a week off between X-Mas and New Years Day, Gary comes up with a system to make sure this does not happen and that he and his family have a great week off together. To do so, he draws upon the lessons he learned from Folly Beach.
Sarah:
Sarah has decided to get a second job as a bartender. She made the choice to learn a new skill that she can use forever and to make more money to support her current lifestyle. There are two sides to the money-saving/budgeting coin: earn and spend. To properly budget you can either spend less, earn more, or both. Sarah has chosen the earn more side of the coin for now. We also discuss the concept of talent stacking and how that can serve you through life.
Resources Mentioned In This Episode:
- The Tail End, Wait But Why, Tim Urban
- Mariano’s Ristorante
- Soundtracks, Jon Acuff
Show Summary:
Do you want to live forever? OK, well maybe not forever. But are you interested in living a long, healthy, and fulfilling life? It is safe to assume that most people would answer yes to that question. In today’s episode of the Fat & Broke Podcast, we are going to discuss groups of people around the globe who enjoy longer, happier lives than most. These communities are called Blue Zones and today we are going to share their secrets with you.
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Intro:
It’s Christmas Eve as we record this show. We are all back in the studio and ready to go!
Main Discussion:
Today’s show is all about the Blue Zones and what they share in common? Why do these people live for so long and how can we replicate it?
The discovery of the Blue Zones is what changed Peter’s life trajectory. He recounts the story of this, how he found them, and what has changed since that time.
After that, we get into what the Blue Zones are, where are they, and the 9 traits that bind them called the “The Power 9.” We also discuss how far away from the Power 9 we have moved as a country.
Blue Zone Power 9:
- Move Naturally
- Purpose
- Downshift
- 80% Rule
- Plant Slant
- Wine at 5
- The Right Tribe
- Community
- Loved Ones
Action Items:
- Move as much as you can. Rely less on technology and move more.
- Have a sense of purpose daily, especially in retirement.
- De-stress! Read, meditate, pray, nap, exercise, or whatever works for you.
- Stop eating when you are 80% full. Eating with others and/or eating with chopsticks are some ways to accomplish this.
- Eat a diet largely based on plants. Eat meat 1-2x/week and only 3-4 oz when you do.
- Moderate alcohol consumption can be good for you. More importantly, doing it as part of socializing is especially beneficial.
- Surround yourself with the right people for a happy and fulfilling life.
Resources Mentioned In This Episode:
- None
Music Credits:
- Fame, Irene Cara, 1980
Show Summary:
In today’s WIN, we discuss:
- E-Bikes
- Rent, Don’t Buy Your Home
- Living Longer
- Coffee
- Sleep Tips & Sleep Deprivation
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Introduction:
The squad continues remote recording due to Peter’s Covid. We wish everyone a Happy Holiday and then get into the show.
Main Show:
Sarah’s W.I.N’s:
-
Do you drink coffee? Of course, you do. In America, 70% of people drink coffee daily. A recent study looked at coffee consumption and sleep. The results show that coffee and blue light combined have the biggest negative effect on sleep. Some other tips for coffee consumption are not to drink it when you first wake up, have some mid-day, and don’t have any after 3 pm.
-
To top off our conversations on sleep, Sarah gives us tips on better sleep. Here they are:
-
Keep the room cool. 63-65 degrees is optimal.
- Schedule worry time an hour before bed to get it out of the way.
- Have a consistent wake-up time.
- Get outside first thing in the am to get air and sun. If you can’t, use a sun lamp.
- Keep it really dark at night.
- Practice gratitude.
Peter’s W.I.N’s:
1. A new study has shown how longer lives are tied to physical activity. In Peter’s ongoing quest to live longer, he continues to find studies that help him do this. The article talks not just about living longer but how to do so while also living well. We also debate whether or not humans are cheating the system and living too long.
- Peter is obsessed with muscles. He looked into how sleep deprivation affects skeletal muscle growth. Surprisingly, sleep deprivation results in skeletal muscle loss.
Gary’s W.I.N’s:
-
A new bill in Congress would give a 30% tax credit on the purchase of an E-Bike up to $900. We discuss the possible benefits of an E-Bike and whether or not Gary will be getting one.
-
Recently, a CEO of a big company was interviewed and he was discussing why he rents his home instead of owning it. We discuss all of the hidden costs involved in owning a home and the myth of your home as an investment. We also discuss a simple equation you can use to determine whether or not you should rent or own where you live.
Fan Feedback:
- None Today
Resources:
- Rad Power Bikes
Show Summary:
To points and beyond!! Do you use credit cards for all of your purchases? If the answer is no, have you ever thought about what you could be missing out on? In episode 90 of the Fat & Broke Podcast, we talk about the many benefits that credit cards offer, the rules of the game, who should be using them, and who should not. The benefits of credit cards go well beyond points and can be as simple or complicated as you want them to be. We will help you get started, NEXT!
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Intro:
We are working on quicker intros and topic entry. Peter remains in Covid protocol.
Main Discussion:
Today’s show is all about the many benefits of using credit cards. Gary firmly believes that all purchases should be made using a credit card. If not, you may be throwing away free money and much, much more. Today’s conversation is a deep dive into all of the benefits using a credit card offers.
Before we do that, we layout who should NOT do this. If you have a history of poor use of credit cards, currently have bad debt, or have a history of paying late, this may not be for you. Once you get your full financial life in order, then come back and listen to this episode.
Credit Card Benefits:
- Points/Cash Back/Sign-On Bonuses
- Build Credit
- Purchase Protection
- Fraud Protection
- Lounge Access
- VIP Pre-Sale--Concerts/Events
- 0% Transfers & Grace Period--Free Borrowing
- Cell Phone Insurance
- Free Hotel Nights
- Free Companion Pass
- Credits for Services Such as Streaming & More
- Free Subscriptions--Audible, Panera
- Free Newspapers
- Travel Insurance
- Extended Warranties
- Car Rental Insurance
- Free Credit Score/Monitoring
- Track Your Spending
- Free Checked Bags
- TSA Pre-Check/Global Entry
- Emergency Fund
Key Topics:
- See Above
Resources Mentioned In This Episode:
- Chase Sapphire Preferred
- American Express Blue Cash Preferred
- Citi Custom Cash
- Chase Freedom Flex
- Chase Freedom Unlimited
- Nerd Wallet
- The Points Guy
- Families Fly Free
Summary:
It has been two years and we are still dealing with something we all thought would last two weeks! In today's mastermind session, we discuss our current thoughts and emotions around Covid-19, how are we coping, and where do we go from here? Welcome back to The Fat & Broke Podcast!
Intro:
The squad is recording remotely because Peter has Covid! Finally, Mr. Optimal Super Human has succumbed to the virus!
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Win or Fail Mastermind Group Session:
Basically, we just needed to talk it out. With the recent uptick in Covid-19 cases, we discuss our thoughts and feelings about Covid-19. The conversation follows our emotions from two years ago until now and how things have changed over that time. We also discuss what is next for all of us and how are we dealing with it.
We think that it's important to have these conversations because even though living with Covid has become somewhat normal for us, there are a lot of buried thoughts and emotions that are best discussed to allow for healing and progress.
Resources Mentioned In This Episode:
- None
Show Summary:
She’s baaaaccckkkk! Today we welcome Amie Lake back to the show. It has been 8 weeks since we last spoke to her. During that time she has made a lot of changes and returns today to chronicle her wins and fails. How does she feel and what is next for Amie? All of that and more on today’s show!
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Intro:
We thank Amie for returning to the show and give her the feedback we received from her prior shows. After that, we get into here results.
Main Discussion:
The first half of the conversation is a review of Amie’s plan fr the past 8 weeks along with whether or not she accomplished each thing. We discuss her eating, exercise, and more. In summary, Amie did a great job and achieved the following:
- Body Weight: Lost 4 lbs on the scale.
- Body Fat: Lost 9.3 lbs of fat.
- Body Fat %: Lost 6% body fat.
- Muscle: Gained 5.3 lbs of muscle.
- Waist Line: Lost 5.5 inches.
- Total Body Comp Change: 14.6 lbs
Amie’s Plan/Goals:
To help Amie continue her success, we set forth the following plan and goals for the next 8 weeks:
- Continue 1400 calories a week.
- Continue exercise 4-5 days/week.
- Lose 4 pounds to go from 125 to 121.
- Do not weigh in for 8 weeks.
- Lose 3% body fat to go from 31.5% to 28.5%.
Key Topics:
- Body Fat
- Weight
- Scale
- Diet
- Psychology of Eating
- Compounding
- Deprivation Mindset
- Caloric Deficit
- Body Composition
Resources Mentioned In This Episode:
- Lose It
Show Summary:
There is no shortage of “fad” diets. Keto, South Beach, Atkins, The Whole 30, and many, many more! The latest craze is Noom. We have mentioned Noom on a few of our previous shows, so we decided to try it ourselves. In today’s show, we discuss the good and the bad of Noom. What is at its core? What did we like and not like? Is it different from its predecessors? Does it get the Fat & Broke stamp of approval? That and so much more on this episode of the Fat & Broke Podcast!
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Introduction:
A quick introduction about why we decided to do a show about Noom.
Main Show:
The team all tried Noom for 2+ weeks. We discuss what Noom is all about and our individual experiences with it. We discuss:
- The psychology of eating
- Caloric density
- Caloric deficit
- Tracking
- Habit formation
- Rewards
- Streaks
- Scales
- Behavior chain
- Eating disorder
- The Fat & Broke Model
- Our recommendation
Fan Feedback:
Hi, I have a fitness/weight-loss question. I am 45, am 5’4” tall, and weigh 127. I would like to get back to 120 but am struggling to get there. I work out about 4-5 days a week and usually take walks on the days I don’t go to the gym. I spend most of my workout on strength and do very little cardio. I have a few questions.
-
If I spend 45 minutes in the gym, how much time should be on cardio? What should be my target heart rate during cardio be for weight loss?
-
On my lose it app, I am allowed 1250 calories in order to lose .5 lbs per week. If I burn 250 calories during my workout, should I add those calories to my daily allowance?
-
Are all calories created equal? If I eat 1250 calories of chocolate cake or 1250 calories of lean protein and veggies, does my body look the same?
Thank you for any guidance and please reach out if you need more info.
Love the show!
-Anonymous-
Resources:
- Noom
Show Summary:
The goal of today’s show is to identify what type of things we put off until “after the holidays” and provide actionable ways to avoid falling into this common pattern.
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Intro:
We jump right into the show. No chit-chat, just right to the good stuff!
Main Discussion:
The three of us discuss the areas of health, money, and life that we slack on during this time of year.
Many people, including us, have used the phrase “after the holidays” as an excuse to live poorly from October through November. We have a conversation about what these things are, why this happens, and what we can do about it.
Action Items/Talking Points:
We thoroughly cover what end of year moves to make in the following areas:
- Health
- Learn to say no.
- Plan your events and limit them to the ones that really matter.
- Make intentional decisions about what to eat/drink when there.
- Eat before you go.
- Use a small plate and make good choices.
- Bring a healthy option.
- Share your health goals with other people.
- Don’t wait for the New Year to start your health goal. Start today.
- Money
- Be honest about your financial situation.
- If you have a lot of bad debt, you can’t afford an expensive holiday.
- Create a regular and holiday budget.
- Gifts don’t make the holiday “special.”
- Stay off of social media.
- Home
- This is a good time of year to declutter.
- For everything that comes in, get things out.
- Use the declutter as a way to teach your kids about giving.
- Relationships
- Spend time with the people who make you happy.
- Cut the cord on bad relationships before the holiday.
- Don’t stay with someone through the holidays just to avoid awkward conversations.
- You don’t have to like your family and you don’t have to spend time with them if you don’t like them.
- Work
- Ask for a raise now.
- This is the budget season so ask before Jan 1.
- People are in a good mood, so ask now!
Key Topics:
- Triggers
- Intentional Decisions
- Goals
- Habit Stacking
- Budget
- Do Hard Things
- Stress
- Guilt
- Jealousy
- 90/10 Rule
- Giving
- Minimalism
- Raise
Resources Mentioned In This Episode:
- None
Intro:
We are back to our traditional win/fail mastermind group format.
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Win or Fail Mastermind Group Session:
Peter:
Peter starts a good discussion about how to care for aging parents. The group discusses the moral, financial, legal aspects that go along with this topic. Ultimately we decide that having open conversations about this with your aging parents is the only way to make sure there is a good plan for all parties involved.
Gary:
Gary has a money win. He has started building credit for his 16 and 13-year-old sons by adding them as authorized users on his credit cards. We then go on to discuss other ways to help your kids improve their credit and financial literacy.
Sarah:
Sarah has got her groove back! Ever since her juice cleanse, she has been back on track and feeling good mentally and physically. Her cleanse was a good resent that allowed her to restart a lot of good habits.
Resources Mentioned In This Episode:
- Squeezed Juice Cleanse
- Noom
- https://thepointsguy.com/guide/children-authorized-users-credit-cards/
Show Summary:
In today’s show, we discuss the money moves you can make right now and over the next few months to close out 2021 and start 2022 on the right foot.
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Intro:
We jump right into the show. No chit-chat, just right to the good stuff!
Main Discussion:
Gary takes us on a deep dive into what moves we should be making at the end of 2021 and the start of 2022 to make sure our financial house is in order. There are many things we can do to lessen our tax burden, increase savings, minimize losses, tighten our budgets, and much more. We have a good conversation about all of these in hopes that our listeners can pick up some very actionable tips to better their financial lives.
Action Items/Talking Points:
We thoroughly cover what end of year moves to make in the following areas:
- Taxes
- Retirement/Investing
- Legal/Estate Planning/Insurance
- Work
- Family/Budget
Key Topics:
- Tax Advantage Accounts
- HSA/FSA
- Allocations
- Dividends
- Re-Balance Portfolio
- Wills/Estate Planning
- Beneficiaries
- Credit Report/Credit Score
- Investing Statement
- Budget
- Benefits
- Credit Card Rewards
- Tax Loss Harvesting
- Insurance Policies
- Emergency Fund
- Social Security
Resources Mentioned In This Episode:
- Check Your Credit Report: annualcreditreport.com
- Check Your Social Security: SSA Website
- Amazon FSA
- Mint
- Lemonade
Show Summary:
In today’s WIN, we discuss I-Bonds, Power Naps, Memoirs From The Grocery Store, The Debt-Pain Connection, PR’s...How Far Is Too Far, and Is Obesity Contagious?
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Introduction:We start the show by discussing Black Friday and why we don’t like it while acknowledging why some people like it. The team also discusses Thanksgiving and what we all did. Gary also shared that he completed 1000 days on Lose It and immediately switched to Noom.
Main Show:
Sarah’s W.I.N’s:
Sarah encourages all of us to take naps. We discuss the value of taking naps. She also shares with us when and how long naps should be. Naps can improve the quality of our sleep along with mood, reaction time, and more.
A woman running a marathon had an “accident” in her pants during the race and decided to keep running because she was trying to get a new personal record. We discuss whether or not we would do the same and if anyone should do this.
Peter’s W.I.N’s:
Peter had a bizarre encounter at the grocery store. A woman approached him and asked him why he was buying a certain yogurt. He then went on to give her an entire lecture about nutrition and his approach to it.
A recent 12,000 person study looked at how the behavior of our social circles can impact our own. The study showed that having obese friends will make it more likely for you to be obese. The team discusses why this happens and how we can use this to help ourselves and others.
Gary’s W.I.N’s:
Gary talks about how I-Bonds can be used for short-term savings. The current return on I-Bonds is 7.12% which is way better than most savings accounts. We discuss who and what they may be good for and how to buy them.
Gary discusses a study that looked at the relationship between unsecured debt and pain. As expected, people with more unsecured debt also were more likely to report higher levels of pain. We discuss the reasons why this may happen.
Fan Feedback:
- Listener Jeff calls in to ask about the validity and reliability of biometric home scales.
Resources:
- Buy I-Bonds at Treasury Direct
- Siesta
Show Summary:
In today’s show, we will help you learn what to eat, how much to eat, and when to eat it in order to maximize performance!
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Intro:
The show starts with us talking about Sarah’s social life. We move on quickly to the show.
Main Discussion:
We explore Peter’s knowledge of sports performance and nutrition. The goal of the show is to help our listeners and people they know learn how to eat and drink to achieve an optimal performance state.
Eating for health and eating for performance are very different. If you eat like this without being highly active, you will most likely gain weight. This methodology is very specific to people performing high-intensity exercises. Specifically, this type of diet revolves around making energy stores available continuously to prevent a drop in performance and/or fatigue.
Action Items:
- The day before competition matters. If you have an active day (practice, etc…), you will need to replenish your carbohydrates that night. If you did not, this is not as important.
- Avoid anything that makes you feel bloated or causes GI distress.
- Breakfast on the day of performance should be “normal” and be consumed 2-3 hours before the event.
- High glycemic foods can be consumed 30-60 min prior to performance
- Avoid foods high in fat and fiber close to game time due to the length of time it takes to digest.
- Sports drinks, fruit, and other simple carbohydrates are good immediately before and during the performance.
- Post-performance should be a good, healthy, well-balanced meal along with re-hydration.
- Protein is essential for the recovery of muscle and the prevention of injury/breakdown.
- Sleep is as important to recovery as food and water.
- Hydration is key to good importance.
- Hydration occurs leading up to the performance, not during.
- Caffeine can play a role in performance for the right person and age.
Key Topics:
- Performance
- Carbohydrates
- Carb-loading
- Glycemic Index
- Sports Drinks
- Recovery
- Sleep
- Hydration
- Caffeine
Resources Mentioned In This Episode:
- Urine Color Guidelines
- Jolt Cola
- Episode #70-How To Eat For Health
Intro:
This week’s show opens with the pod squad wishing everyone a Happy Thanksgiving! We discuss why gratitude is important in our lives and how social media undermines this amazing asset.
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Win or Fail Mastermind Group Session:
In another special Thanksgiving episode of our mastermind group, we explore gratitude. As always, we break it down into 6 domains and go into depth on each one. The 6 domains of where gratitude can affect our lives are:
- Personality
- Social
- Career
- Health
- Emotional
- Money
We try and avoid the classic, “what we are grateful for”, approach to Thanksgiving and focus more on how daily gratitude can make you a better person and a little “Better Every Day.”
Resources Mentioned In This Episode:
- Jim Rohn
- Happy Money, Ken Honda
- 31 Benefits of Gratitude, Happier Human
Show Summary:
In today’s show, we welcome Audra Waiters to the show for a very candid conversation about her lifelong battle with weight and how she eventually won the war.
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Introduction:
We give a quick intro into who Audra is, how we know her, and why she is on the show to detail her 109-pound weight loss.
Main Discussion:
Our conversation with Audra tracks her journey with weight gain and loss from the time she was a kid until now. Audra is very open and honest about her relationship with food, dieting, mental health struggles, abusive relationships, and a lot more.
Eventually, Audra made the decision to have bariatric surgery. We discuss what that was like, the stigma associated with it, and how she is doing now.
Lastly, we discuss what is next for Audra, her weight loss goals, and how she plans to teach her kids about food, health, and wellness.
Action Items:
- Listen to Audra’s journey to be motivated!
Key Topics:
- Binging
- Bulimia
- Mental Health
- Depression/Anxiety
- Dieting
- Bariatric Surgery
- Weight Loss
- Kindness
- Yo-Yo Diet
- Post-Partum Depression
- Intuitive Eating
- Mindfulness
- Meditating
Resources Mentioned In This Episode:
- The Whole 30
Music Credits:
- Sunray Valley by Scandinavianz | https://soundcloud.com/scandinavianz/
- Music promoted by https://www.chosic.com/free-music/all/
- Creative Commons CC BY 3.0
- https://creativecommons.org/licenses/by/3.0/
Show Summary:
In today’s WIN, we change course and dedicate the show to our listener’s feedback. The team will listen and reply to multiple voice memos from our community. Listening and learning from each other is what the Fat & Broke Podcast is all about!
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Introduction:
Sarah and Gary attended a fondue party to celebrate Gary’s birthday. G-Tober/Go-Vember continues! We talk about meat sweats and much much more.
Main Show:
Fan Feedback:
- Beth calls in to discuss avocado and sushi.
- Heather B. tells us about how she uses journaling with her volleyball team.
- Brogan calls to defend his performance in the juice cleanse challenge.
- Jasmin warns us about “added sugars.”
- Stacey, Peter’s wife, enjoys being a pawn in Peter’s exercise game.
- Heather, a professor, gives us a lesson on protein powder and pre-workout supplements.
Resources:
None
Show Summary:
In today’s show, we welcome grocery store expert Jennie Boyer to the show. Jennie will share her top 10 grocery store hacks with our audience.
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Intro:
We welcome Jennie to the show and talk about how Gary eats grapes while shopping to save money.
Main Discussion:
Jennie shares with us her top 10 grocery store hacks. Here they are:
- Buy Bulk
- Meal Prep
- Shop Store Brands
- Utilize Sales and Loss Leaders
- Coupon Shop
- Make a List/Menu
- Buy Produce In Season
- Compare Price Per Unit & Not Just Price
- Shop/Look Below Eye Level
- Leave Your Kids At Home
Action Items:
- Follow Jennie’s Top 10 Grocery Store Hacks Above
Key Topics:
- Groceries
- Budget
- Coupons
- Budget
- Savings
- Generic
- Managers Special
- Grocery Store Science
Resources Mentioned In This Episode:
- Supercook App
Intro:
We open the show by Gary talking about having an emotional moment when Dr. Gotlieb announced the end of the pandemic on CNBC. We discuss why he made this comment and why it impacted Gary so much. The squad also reflects on the past two years.
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Win or Fail Mastermind Group Session:
In a special edition of our mastermind, we discuss Peter and Sarah’s 4-day juice cleanse challenge. They both completed (mostly) a 4-day juice cleanse. We have an in-depth conversation about the good and bad experiences they both had during the past 4 days. In the end, each discusses whether or not they liked the experience and if they would even do it again. Was this a Win or Fail? Tune in to find out!
Resources Mentioned In This Episode:
Squeezed Juice Cleanse
Dr. Gottlieb on CNBC
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Show Summary:
In today’s show, we finish our conversation and makeover with listener Amie Lake, to help answer her health and wellness questions and give her a customized action plan.
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Intro:
We review Part 1 with Amie and preview what’s going to happen in Part 2.
Main Discussion:
We move into establishing where Amie is at and where she wants to go.
Action Items:
- Create and use a vision board.
- Make the process enjoyable and sustainable.
- Detach guilt and shame from the process.
- Accept failure and continue the process.
- Current weight = 129; Goal weight = 113
- Daily calories = 1400/day (follow 90/10 principle)
- Exercise 3-4 days/week.
- Continue intermittent fasting.
- Use the Lose It app to track calories.
- Identify and eliminate triggers.
- Make a grocery list and stick to it to reduce impulse buying.
- Create a reward night with something you love like ice cream.
- Consider food prepping to ensure quick, cheap, and healthy meals for the week.
- Set it and forget it! Reduce decision and willpower fatigue.
- Involve your spouse and family.
- No scale for 8 weeks.
- Create new stories around food, exercise, weight loss.
- Start Monday!
Key Topics:
- Weight
- Body Fat
- Exercise
- Food
- Habits
- Triggers
- Weight Loss
- Barriers
- 1% Better
- Intermittent Fasting
- Vision Board
Resources Mentioned In This Episode:
- Lose It
- Soundtracks, Jon Acuff
Show Summary:
Announcement: Starting next week, November 8th, 2021, we will be transitioning to a two-day/week release schedule. Shows will come out on Monday and Thursday.
In today’s WIN, we discuss three ways to start your day, phobias, the goldilocks sleep zone, generic or not, apple watches, and the mind-body connection.
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Introduction:
We start the show by talking about Gary’s birthday. He turns 45 on the day the squad recorded this episode. We talk about the process of aging and the value of making good decisions.
Main Show:
Sarah’s W.I.N’s:
The Apple Watch can now detect falls and contact emergency services. The conversation transitions into how Apple plans to get into healthcare through wearables.
Sarah tells us the three questions we should ask ourselves each morning to make sure our days go the way we want them to.
Peter’s W.I.N’s:
A new study shows that women who have a high level of physical fitness in middle age are less likely to develop dementia later in life. We discuss the causation/correlation relevance of this result.
Researchers have found that there is a sweet spot for the amount of sleep. Anything above or below that number has adverse effects on cognitive function.
Gary’s W.I.N’s:
A new study of Google searches a state-by-state breakdown of phobias. The most common phobia (10 states) is the fear of failure. We talk about why this is and what we can do to make failure less fearful.
Lifehacker did a poll on grocery items that people were unwilling to substitute with a generic brand. We discuss that list as well as our lists.
Fan Feedback:
None. Stay tuned for a fan feedback show coming up.
Resources:
None
Intro:
We open the show by welcoming Sarah back to the show. She is mainly feeling better and is ready to go!
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Win or Fail Mastermind Group Session:
Peter:
Peter has spoken before on the show about his traumatic upbringing. He discusses how he has chosen not to resent his past, which has allowed him to move forward with his life. The conversation focuses on how some people can do this and others can not.
Gary:
Gary gives an update on his current bloodwork. He has a few wins and many fails. We discuss what went wrong and what his plan will be going forward to optimize his blood levels. The conversation concludes with the team discussing the importance of regular blood work.
Sarah:
Sarah shares a story about how kindness made a bad situation must better. In a scenario we have all been in, she chose to be kind, and as a result, other people went out of their way to help her. Had she decided to be angry, the outcome would likely have been much different.
Resources Mentioned In This Episode:
None
Follow Us:
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YouTube
RSS
Show Summary:
In today’s show, we work 1 on 1 with a listener Amie Lake, to help answer her health and wellness questions and give her a customized action plan.
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Intro:
We start the show by getting to know Amie a little bit and talking about why she is on the show today. We also discuss Sarah’s recent back injury.
Main Discussion:
We have a great conversation with Amie about her past and current struggles with weight, body image, exercise, and more. We take a deep look into her current state and start establishing some goals for her that we will then turn into an action plan in Part 2.
Action Items:
- Set realistic goals.
- Celebrate little wins.
- Be honest with yourself.
- Love yourself.
Key Topics:
- Weight
- Body Fat
- Exercise
- Food
- Habits
- Triggers
- Kids
- Women
- Pregnancy
- Hypoglycemia
- Weight Loss
- Barriers
- Love Yourself
- Yet
- 1% Better
- Keto
- Intermittent Fasting
- Menstrual Cycle
- A1C
Resources Mentioned In This Episode:
- Whole30
- Weight Watchers
- Lose It
Follow Us:
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RSS
Show Summary:
In today’s WIN, we discuss winter is coming, concussions in kids, leaving free money on the table, and more school shootings?
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Introduction:
We talk about Sarah’s absence and preview our first listener makeover episode.
Main Show:
Sarah’s W.I.N’s:
None. Sarah is still injured.
Peter’s W.I.N’s:
Peter starts a conversation about the frequency and sadness of school shootings. We discuss some of the reasons this may be happening and how as parents we are dealing with it in our own households.
Concussions in youth sports are a major problem. We discuss what sports they are most prevalent in, some of the causes, and how to “prevent” them. We also talk about some of the garbage marketing that goes on around helmets.
Gary’s W.I.N’s:
Gary talks about the rising cost of energy and how expensive it’s going to be to heat our homes this winter. We discuss the many reasons why gas and oil prices are rising. We also detail some ways we can proactively reduce our heating expenses this winter.
A large number of American’s do not use their 401K’s and work and amongst those that do, many do not contribute enough to get their employers matching contribution. This is an important part of your compensation package and if you are not getting the match you are leaving “free” money on the table and in your employer's pocket.
Fan Feedback:
None
Resources:
None
Intro:
As we open the show, we talk about missing Sarah and how we batch record our shows. Our version of “Behind The Podcast.”
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Win or Fail Mastermind Group Session:
Peter:
Peter received an offer from his solar company to take a lump-sum payment for his SRECs vs. receiving his credits over a 10 year period. We run the numbers and analyze the psychology behind a decision like this. We also bring up a few considerations that Peter had not thought of.
Gary:
Gary has been very tired lately. After some mindfulness around this matter, Gary points to a change in schedule with his kids, poor diet, increase stress, water intake, and less sleep. The fellas discuss possible solutions to this problem.
Sarah:
None
Resources Mentioned In This Episode:
None
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Show Summary:
In today’s show, we start our How to eat for series. In part 1, we discuss optimizing our health through nutrition.
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Intro:
We start the show by talking about how many people we know that listen to the show. Gary thinks he has become a celebrity.
Main Discussion:
Today’s discussion takes a deep dive into optimizing health through nutrition. We have touched on this in previous episodes but never to this depth. We make Peter not be boring! This show is not about weight loss, it’s about being healthy.
Action Items:
- Eat a whole foods diet following Peter’s 90/10 (or 80/20) principle. 90% whole foods and 10% other.
- Avoid processed foods as much as possible.
- Diets do not last forever. Learn to eat for a lifetime.
- Learn the basics of cooking food at home.
- Pay attention to what your plate looks like.
- When you eat does not matter. What and how much you eat does.
- Eat when you are hungry but only eat until you are 80% full.
- Don’t drink your calories.
Key Topics:
- Health
- Nutrition
- Weight Loss
- Processed Food
- Diet
- Atkins Diet
- Keto Diet
- Intermittent Fasting
- Food Pyramid
- Balance Diet
- Intuitive Eating
Resources Mentioned In This Episode:
Episode 55
Follow Us:
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Show Summary:
In today’s WIN, we discuss the day facebook died, Captain Kirk finally goes to space, find mass money, and is exercise the key to fighting cancer?
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Introduction:
Gary and Peter are left alone as Sarah is out with a back injury. Can the boys carry the show?
Main Show:
Sarah’s W.I.N’s:
None
Peter’s W.I.N’s:
Exercise is good for many things, but it may also be good in the fight against cancer. We discuss the importance of exercise, sleep, and nutrition to put your body in the best position to fight illness.
William Shatner went to space in a phallic-shaped rocket built by Jeff Bezos. We have a broader discussion about privatizing space.
Gary’s W.I.N’s:
Facebook went down for 6 hours and the world went crazy. Gary & Peter discuss how sad this is.
Gary is called out by a listener for having unclaimed property. In response, Gary provides useful information for our listeners to find their own lost money through government-based websites.
Fan Feedback:
Denise call in again to support Sarah and her missed journal entries. We have a quick discussion about habit formation in response to the voicemail.
Resources:
Find Mass Money
Digital Minimalism, Cal Newport
Deep Work, Cal Newport
Cal Newport Website
Unclaimed.Org
Missing Money
Follow Us:
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Intro:
As we open the show, we talk about youth soccer and why hockey teams do not use really large people to play goalie.
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Win or Fail Mastermind Group Session:
Peter:
Peter learned how to sharpen the saw! He has had a leaky sink for months that worsened to the point where his wife got angry. It took him 1 total hour and got it fixed even though he made it takes months due to procrastination.
Gary:
Gary talks about karma and the value of treating other people well. He has had numerous people helping his family lately and he discusses how by being a good person and doing things for other people without any expectation for something in return pays huge dividends.
Sarah:
Sarah talks about how physical exercise has changed the quality of her life. Prior to doing this, Sarah was in a lot of pain. She has also gained a lot of confidence and has learned tu push beyond self-imposed boundaries.
Resources Mentioned In This Episode:
The Fat & Broke Podcast: Better Everyday Group
The 7 Habits Of Highly Effective People, Stephen Covey
Follow Us:
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Show Summary:
In today’s show, we talk to author Robert J. Davis, PhD (aka The Healthy Skeptic) about his new book Supersized Lies: How Myths About Weight Loss Are Keeping Us Fat – and the Truth About What Really Works.
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Intro:
We start the show with a quick hello to Dr. Davis and by giving our audience his bio and contact information:
Robert J. Davis, PhD, a.k.a. The Healthy Skeptic, is an award-winning health journalist whose work has appeared on CNN, PBS, WebMD, and The Wall Street Journal. The author of three previous books on health, he hosts the “Healthy Skeptic” video series, which dissects the science behind popular health claims. Davis holds an undergraduate degree from Princeton University, a master’s degree in public health from Emory University’s Rollins School of Public Health, and a PhD in health policy from Brandeis University, where he was Pew Foundation Fellow.
Readers can connect with Robert J. Davis on:
Facebook: https://www.facebook.com/RobertDavisHealthySkeptic
Instagram: https://www.instagram.com/healthyskept/
Goodreads: https://www.goodreads.com/author/show/4725364.Robert_J_Davis
Main Discussion:
We have a great discussion with Dr. Davis about what he covers in his book and much, much, more.
Action Items:
- Focus on the long term
- Whole food balanced diet
- Minimize highly processed food
- Eat treats in moderation
- Moving your body to maintain a healthy weight
- Sleep is crucial
- Manage your stress
- Track what you eat with a food journal
Key Topics:
- Obesity
- BMI
- Blood Work
- Calories In/Calories Out
- Sleep
- Exercise
- Hormones
- Glucose-Insulin Model
- Processed Foods
- Habits
- Will-Power
- Cortisol
- Stress
Resources Mentioned In This Episode:
Supersized Lies, Robert J. Davis, PhD
Follow Us:
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Show Summary:
In today’s WIN, we deviate from our normal format and respond to some listener questions about the use of protein powder and pre-workout supplements by adolescents.
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Introduction:
We start the show by enjoying the fact that we can change our show format whenever we want. Today, we allow this episode of our WIN to be driven by listener questions. This is truly a crowd-sourced show. Enjoy!
Main Show:
We spend the entire show taking a deep dive into the use of protein powder and pre-workout supplements by adolescent athletes.
Our discussion covers what these products are, what they are used for, whether or not they are good or bad, and if they should be used or not.
We finish the show by giving our recommendations for young athletes and their parents.
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Intro:
As we open the show, we discuss updates from prior mastermind sessions.
- Peter is enjoying watching his kids play soccer more.
- Sarah is failing at writing in her journal every day.
- Gary has decided to hold off on buying a used/new car due to the crazy market. He has done some DIY fixes and will have a mechanic check it for safety.
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Win or Fail Mastermind Group Session:
Peter:
Peter is brainstorming an idea in which he will start a group exercise class as a side hustle. Sarah and Gary help him ask the right questions to see if this is feasible. The end result is that Peter will determine the lowest viable product to see if it works for him.
Gary:
Gary had another money fail. A perfect storm of a lot of big bills hit at once resulting in a depletion of savings and a lot of stress. In order to fix this, he is going through a full money reset.
Sarah:
Sarah had a $26 grocery store win by checking her receipt and noticing that she was charged for the wrong item. Little wins like this add up over time!
Resources Mentioned In This Episode:
The Fat & Broke Podcast: Better Everyday Group
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Show Summary:
In today’s show, we talk about the current state of inflation and what we can all do to better manage our money during this time.
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Intro:
We start the show by celebrating G-Tober. Happy G-Tober everyone!
Main Discussion:
We have all been dealing with inflation over the past year. We have a thorough discussion about what inflation is, the good and bad of inflation, and what we can do to better manage our money during an inflationary period.
Action Items:
- Adjust your budget.
- Consider holding less in a cash-based emergency fund.
- Delay big purchases.
- Ask for a raise or get a new higher-paying job.
- Invest vs. save.
- Re-finance adjustable-rate loans to fixed-rate loans.
- Borrow and do not repay aggressively.
- Decrease energy usage.
- Buy goods that will last even if more expensive.
- Prepare for shortages.
Key Topics:
- Inflation
- Purchasing power
- Money supply
- Supply & demand
- Scarcity
- Hoarding
- Opportunity cost
- Supply chain
- Interest rates
- Cost of goods
Resources Mentioned In This Episode:
None
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Show Summary:
In today’s WIN we discuss, everything makes us fat, S.A.D. season, foam rolling, music makes us stronger, you look great, and HSA’s.
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Introduction:
We start the show by celebrating our first National Podcast Day.
Main Show:
Sarah’s W.I.N’s:
Sarah discusses all the things people say to other people after they have lost weight or while they are trying to lose weight. We discuss each of the sayings and discuss whether or not they are insulting. You look great!
It is now S.A.D. season. In many regions, when daylight lessens, seasonal affect disorder starts to affect a lot of people. We discuss what this means and ways to combat it.
Peter’s W.I.N’s:
Peter discusses the confusion around all of the reasons the media tell us about why we are fat. The perfect is the enemy of the good!
Does music actually help us perform better? Peter discusses the ways music can help us and Gary disputes music in general.
Gary’s W.I.N’s:
Gary discusses foam rolling and whether or not it actually does anything. Some recent studies validate its use for blood flow and athletic performance. We discuss and dispute some of the findings and accept some as well.
More and more people have access and are using HSA’s. Gary talks about what they are and what they are so beneficial as a triple tax optimization investment tool.
Fan Feedback:
Steve sends us some great feedback about our minimum wage conversation. We discuss further.
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Intro:
As we open the show, we discuss why Gary always introduces Sarah first.
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Win or Fail Mastermind Group Session:
Peter:
Peter and his wife have depleted their emergency fund over the past year. Gary does a quick financial review with Peter and outlines a plan for him to rebuild the fund and how to supplement it in the meantime with a HELOC and credit cards.
Gary:
Gary talks about his feelings around Facebook memory photos. Most of the pictures are when he was fat and he talks about how they make him feel and how he uses them for motivation.
Sarah:
Sarah got back on track and ran 10 miles with Jessica. Not only that, but she enjoyed running with someone and got past some of her previous negative stories she had about running.
Resources Mentioned In This Episode:
The Fat & Broke Podcast: Better Everyday Group
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Show Summary:
In today’s show, we talk about our morning routines and how to make one for yourself. Don’t worry night owls, we have good info for you too!
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Intro:
We start the show by talking about how much we hate pleasantries.
Main Discussion:
Today’s show is about how much we value morning routines. We start by discussing the origins of our routines and then progress into what our mornings look like now. As part of the discussion, we explore why waking up is easier for some people than others and how early morning routines are not for everyone.
Most morning routines are stressful and rushed. We explore ways to change this and set ourselves up for a better day. Peter and Gary have a similar approach whereas Sarah has a much different opinion on this topic.
We also discuss the challenges night owls face and explore some possible solutions for them.
Action Items:
- Prepare for your morning the night before
- Create habits and structure for your mornings
- Do what works for you
- If you are a night owl, create a night routine that you enjoy and avoid drift
Key Topics:
- Night Owls
- Larks
- Drift
- Sleep
- Love Languages
- Better Every Day
- Cold Shower
Resources Mentioned In This Episode:
Why We Sleep, Matthew Walker
The 7 Habits of Highly Effective People, Stephen Covey
The Five Love Languages, Gary Chapman
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Show Summary:
In today’s WIN, we discuss DIY Savings, Burning Fat, Avocado Secrets, China’s Gaming Laws, Weak Old People, & Decision Fatigue
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Introduction:
A quick hello and right into the nonsense.
Main Show:
Sarah’s W.I.N’s:
We discuss the 8 amazing secrets of avocados. Peter and I mock most of them due to the vagueness of the article. We also discuss Gary’s issue with this fruit!
Is decision fatigue a real thing? We discuss what this is and how to combat it.
Peter’s W.I.N’s:
Peter is mad at an article that promotes exercise for “old, frail” people. We believe that even older people can lift heavy things and should.
A new study showed the strength training alone could help burn fat. A reminder that body composition matters more than the number on the scale!
Gary’s W.I.N’s:
A woman wrote an article celebrating that she spends $725/mo on lawn care, home cleaning, and 3 days/week of prepaid meals. Gary disputes this article and does some math to show how this is a bad idea in most cases.
China has severely limited the hours/week that kids under 18 are allowed to game. Gary loves the idea behind it while noting that he does not want our government doing the same thing. We discuss kids and the detriments of gaming.
Fan Feedback:
Denise leaves some constructive feedback for the team. She also thinks that Gary talks too much!
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Intro:
As we open the show, we do a follow-up to our previous mastermind groups. Peter has figured out how to make rollerblading with his wife into exercise for him (typical Peter!).
Leave A Voice Memo, Review The Show, & Follow Us Here
Win or Fail Mastermind Group Session:
Peter:
Peter does not understand youth sports parents and politics. He is confused as to why he is so different from them all. We discuss the nature of youth sports today.
Gary:
Gary clones his Friday “money classes” with his kids into “house class.” He went floor to floor around the house, explaining to his kids what and how things in the home work.
Sarah:
Sarah’s has a fail. She has not been training for her half marathon, and it’s only a week away.
Resources Mentioned In This Episode:
The Fat & Broke Podcast: Better Everyday Group
Follow Us:
Website
YouTube
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Show Summary:
In today’s show, we welcome a real doctor to the show! Dr. Montu Patel.
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Intro:
In today’s show, we welcome friend and physician Dr. Montu Patel to the show. We will get his thoughts on some of the medical topics we have discussed before and hear about his fat & broke journey.
Dr. Patel is a friend and physician, husband, and father of 2 kids. He graduated from the New York Institute of Technology and currently works as a primary care MD. In addition to that role, he also works with patients struggling with addiction. We are excited to get his thoughts on a wide range of health, wellness, and medical issues. Welcome, Dr. Patel!
Main Discussion:
We have a great discussion with Dr. Patel. Some of the topics discussed include:
- BMI
- Weight Loss
- Pain
- Blood Work
- HRT
- Dr. Don’t
- Indian Culture
Fan Feedback:
None
Key Topics:
- BMI
- Weight Loss
- Ozempic
- Insulin
- Dopamine
- Food Journals
- Tracking
- Intermittent Fasting
- Visceral Fat
- Testosterone
- Exercise
- Flexeril
- India
- Lowell
Resources Mentioned In This Episode:
Lose It App
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Show Summary:
In today’s WIN, we discuss Taco Bell, Covid-19 Vaccine Lettuce, Polygamy, & A Big Thank You To Howard Stern!
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Introduction:
We have a special guest on today’s show, Dr. Montu Patel. After introducing him, we move into the shows that Sarah watches on Netflix and why they all have the word “sex” in the title.
Main Show:
Sarah’s W.I.N’s:
Researchers at Cal Riverside have been working on vaccine administration through foods such as lettuce. We have a lot of fun with this one!
Peter’s W.I.N’s:
Apparently, men in polygamous cultures live longer than men who dont. We have a discussion about why this is and how dumb it is.
Gary’s W.I.N’s:
Taco Bell is now offering a monthly subscription service. We discuss how unhealthy this is and we also discuss what subscription services we would like to see that we don’t have yet. The team also discusses concierge medicine and we remind people to check their statements for recurring monthly charges.
Howard Stern came out with a strong statement against Joe Rogan’s message around the Covid vaccine and his use of Ivermectin. Gary takes this opportunity to thank Howard for his support.
Fan Feedback:
Stacey leaves us a voice memo asking us to change the way we label our shows to make them easier to find. We applied this feedback already. Thank you, Stacey!
Resources Mentioned In This Episode:
Follow Us:
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YouTube
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Intro:
As we open the show we do a follow-up to our previous mastermind groups. Sarah has started her Better Every Day/Gratitude journal. Peter and Gary have done the same. Peter has also been biking to work and is loving it.
Leave A Voice Memo, Review The Show, & Follow Us Here
Win or Fail Mastermind Group Session:
Peter:
Peer and his wife started a new snack distribution system with his kids. Sarah and Gary are skeptical if this will work. The team discusses.
Gary:
Gary wants to know if he is frugal, cheap, or stupid? His cars are getting very old and becoming a problem in many ways. The team discusses whether or not Gary should get a new car.
Sarah:
Sarah’s win for the week is starting our new Facebook Group. We have been getting a lot of interaction and we love it.
Resources Mentioned In This Episode:
The Fat & Broke Podcast: Better Everyday Group
Follow Us:
Website
YouTube
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Show Summary:
In today’s show, we release the Fat & Broke Weight Management Model.
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Intro:
We discuss a recent article that was published that led to this episode.
Main Discussion:
We have a thorough discussion about the two main models of weight gain and loss:
- Energy-Based Model
- Carbohydrate-Insulin Model
We explain each model and what they entail. Additionally, we discuss some of the drawbacks to trying to only use one or the other.
Our discussion also gets into the role of exercise, the roles of hormones, and human psychology.
At the end of the conversation, we give out our official weight management model. Spoiler alert! It is not sexy and it takes work!
Fan Feedback:
None
Key Topics:
- Weight Loss
- Weight Gain
- Obesity
- Energy-Based Model
- Carbohydrate-Insulin Model
- Hormones
- Ghrelin
- Lectin
- Insulin
- Strength Training
Resources Mentioned In This Episode:
None
Follow Us:
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Show Summary:
In today’s WIN, we discuss 30% Fewer Steps, Minimum Wage, Sleep Deprivation, What Day Is It?, Will Power, & The PHIT Act
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Introduction:
This is our first show using Squadcast. We are all in different locations while recording this episode.
Main Show:
Sarah’s W.I.N’s:
Do your days blur together? Sarah discusses why this occurs and how to prevent it from happening if this is something that happens to you.
Sleep deprivation is a very real and huge problem in this country. Sarah leads a discussion on the importance of sleep.
Peter’s W.I.N’s:
Is willpower a real thing? Peter discusses this and more in his WIN. We like to think of it more as a muscle that can be trained and improved.
There is a new act passing working its way through Congress that will allow broader use of FSA money for things like youth sports, the gym, and more. The name of this act is the PHIT act. Learn more here.
Gary’s W.I.N’s:
Is minimum wage going up a good thing? Gary argues that the rise in wages will accelerate the rise in the cost of goods. He is really calling out the companies for deceptive promotion of the rise in the minimum wage because they pass the cost onto the consumer.
A new study from UMass has determined we only need 7000 steps a day to reduce our risk of mortality. It is good to take more steps, but it does not have a change in mortality beyond 7000.
Fan Feedback:
We review some live fan feedback that occurred while recording the show on Squadcast.
Resources Mentioned In This Episode:
Send A Letter To Congress To Support The PHIT Act
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Intro:
In our opening conversation, we talk about how much people like Sarah. Peter had a good weekend and played some ultimate frisbee.
Leave A Voice Memo, Review The Show, & Follow Us Here
Win or Fail Mastermind Group Session:
Peter:
Pete admits to taking anti-anxiety medicine during PT school to help him pass his clinical. He considers this one of the darkest moments in his life and has learned a lot about himself since then.
Gary:
He will now be the pitching/catching coach at his local high school. We discuss the “real” wins surrounding this accomplishment.
Sarah:
She went on a great hike in NH. Her hike has inspired her to show how she is being better every day on social medial and she plans to start a better everyday journal. Additionally, she plans to start a Facebook group where others can share their stories.
Resources Mentioned In This Episode:
Peak Finder App
The Fat & Broke Podcast: Better Everyday Group
Follow Us:
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Show Summary:
In today’s show, we take the next steps towards financial independence. We discuss how to save and invest your money to grow generational wealth.
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Intro:
We have a very quick intro and then we get right into our discussion on building wealth. During our intro, we talk about Gary’s recent long run and how Peter ignored the accomplishment.
Main Discussion:
Gary leads the discussion for Part 3 of our Financial Independence Series: Save & Invest. The main takeaways and talking points are as follows:
- Listen to Episodes 041 and 046 to learn how to build a gap between what you make and what you spend, and how to attack debt and build a safety net.
- Think about time as money.
- Rich & Wealthy are not the same things.
- Rich people have to work forever.
- Wealthy people claim back their time.
- Set & forget your savings through automation.
- The power of compound interest.
- Using the 4% Rule to determine how much you need to retire.
- What are our options for investing?
Fan Feedback:
None
Key Topics:
- Build A Gap
- Debt
- Money = Time
- Experiences
- Lifestyle Inflation
- Compound Interest
- 4% Rule
- 401K/403B/457/Roth IRA/Roth 410K/Brokerage Account
- Stocks/Bonds/Mutual Funds/ETF’s
- Real Estate
- NFT’s
- Bitcoin
Resources Mentioned In This Episode:
The Fat & Broke Book List
The Trinity Study and The 4% Rule
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Show Summary:
In today’s WIN, we discuss 4 Day Work Weeks, Intermittent Dieting, Ultra-Processed Teen Diets, Covid Waste, Steps To Happiness, & Joe Rogan...You Are Not a Horse or a Cow!
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Introduction:
We start the show with Peter being creepy and sneaking into Gary’s house. The team discusses the beauty of living in New England.
Main Show:
Sarah’s W.I.N’s:
Sarah discusses wasted Covid-19 vaccines. Over 15 million have been wasted. That equals about $427 million.
Sarah gives us 7 steps to increase happiness!
Peter’s W.I.N’s:
Peter discusses intermittent dieting which is different from intermittent fasting. New research suggests a protocol of 2 weeks of dieting followed by 2 weeks of maintenance is an effective way to lose weight. The theory is that we do not allow our metabolism to adapt to caloric restriction.
Peter tells us that 67% of what teens eat is ultra-processed food. This is not good. We discuss ways to not allow this to happen with our kids.
Gary’s W.I.N’s:
Gary talks about Scotland trialing 4 day work weeks (32 hours). Other countries have done the same with good success. This has been shown to improve productivity and happiness.
Gary discusses Joe Rogan’s stance on the Covid vaccine as well as his usage of Ivermectin. He feels as though he is being irresponsible and should use his platform for good.
Fan Feedback:
Voice Memo #1:
None
Resources Mentioned In This Episode:
None
Follow Us:
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Intro:
We discuss our recent show change and then jump right into the show.
Leave A Voice Memo, Review The Show, & Follow Us Here
Win or Fail Mastermind Group Session:
Peter:
Peter has committed to riding his bike to work from now on. This new change allows for time efficiency, a good workout, saves money and is good for the environment.
Gary:
Started a gratitude journal. He has built into his morning routine by stacking it on other habits he has built in the am. The goal is to start each day with a positive mindset.
Sarah:
Sarah ran 10.5 miles after being challenged by Gary to do so. She accomplished this big goal by setting smaller mental goals while she was running. As she achieved each smaller win, she set the next goal until she made it to 10+. Congrats Sarah!
Resources Mentioned In This Episode:
The War of Art, Steven Pressfield
Next Show:
What Is Now (W.I.N.) | September 10, 2021
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Show Summary:
In today’s show, we self-critique the show to this point and ask you to help us make it better.
Leave A Voice Memo, Review The Show, & Follow Us Here
Intro:
We quickly discuss our schedule changes, the direction of the show, and how much we love to learn from our mistakes. We call it The Fat & Broke Town Hall.
Main Discussion:
We have a roundtable discussion where we each discuss things we like and don’t like about the show. We also suggest ideas for future changes.
Things we don’t like:
- Sometimes we get too off-topic.
- We make fun of Peter too much.
- Steroid jokes.
- Inside jokes.
- Not enough Sarah.
- Need to be better listeners.
- Easily distracted.
- Focus more on actionable items for our listeners.
Things we like:
- Our friendship is obvious.
- Variety.
- Authentic.
Possible Changes:
- Add a Facebook Group for community engagement.
- Fix the above.
- More interviews.
Fan Feedback:
None
Key Topics:
- Feedback
- Critique
- Better Every Day
- Failure
- Thought Experiment
- Active Listening
- Accountability
- Learning
Resources Mentioned In This Episode:
The Fat & Broke Book List
Next Show:
Win or Fail Mastermind Group | Session 3
Follow Us:
- Website
- YouTube
- RSS
Show Summary:
In this week’s What Is Now (W.I.N.) episode, we discuss:
- Food That Kills
- Krispy Kreme Strikes Again
- Learning To Leisure
- Should Anti-Vaxxers Pay More
- Gut Expansion
- Stop Peeing In The Shower
Leave A Voice Memo, Review The Show, & Follow Us Here
Introduction:
We start the show by talking about how small barriers can keep us from good habits.
Main Show:
Sarah’s W.I.N’s:
Krispy Kreme is now giving out 2 free donuts to people who get vaccinated. We did some math and figured out that Krispy Kreme has given American’s 146,000 pounds of fat. We suggest that gyms start giving out free memberships.
Sarah pees in the shower and so do we all! 76% of people admit to it. Sara tells us why women should not pee in the shower.
Peter’s W.I.N’s:
Peter does not know how to relax. His article talks about how enjoying leisure is good for mental health.
Sugar has been shown to expand our gut which allows us to absorb more calories. It also has a hormonal effect that makes us eat more. The two together can lead to weight gain.
Gary’s W.I.N’s:
The University of Michigan published a study that calculates how much time certain food adds or subtracts from your life.
Some companies are charging employees more for health insurance if they do not get the vaccine. Others suggest that unvaccinated people should pay more for cleaning and other services as well.
Fan Feedback:
Voice Memo #1:
None
Resources Mentioned In This Episode:
None
Next Show:
025 | Help Us Help You | Join Us As We Critique The Show
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- Website
- YouTube
- RSS
Intro:
We discuss our recent show change and then jump right into the show.
Leave A Voice Memo, Review The Show, & Follow Us Here
Win or Fail Mastermind Group Session:
Peter:
Peter is wondering if he is exercising too much? He has added running, biking, rollerblading to his strength training. He is spending 2.5-3 hours per day and he is worried that this may be too much and maybe taking time away from something else.
Gary:
Gary talks about his glide path towards retirement. He and his wife are planning to “practice” retirement by taking progressively longer vacations each year. They will ultimately take an entire month off 3 years from now. The plan is to try different locations/communities to see what they will want in retirement.
Sarah:
Sarah had Covid and took a week off. She realized that she needed the rest and also had a good week of introspection. She now questions how much she actually likes her job. Gary also failed by not really talking to Sarah all week.
Resources Mentioned In This Episode:
- Choose FI Podcast
Next Show:
What Is Now (W.I.N.) | September 3, 2021
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- Website
- YouTube
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Show Summary:
In today’s show, we take the next steps towards financial independence. We teach you how to attack your debt and build a safety net.
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Intro:
We have a very quick intro and then we get right into our discussion on debt and emergency funds.
Main Discussion:
Gary leads the discussion for Part 2 of our Financial Independence Series: Attack Debt & Build A Safety Net. The main takeaways and talking points are as follows:
- Listen to Episode 022 to learn how to build a gap between what you make and what you spend.
- Use the “gap” to pay off your debt before you start investing your money.
- The exception is if your employer offers a match. Take the match, it is free money!
- Determine the type of debt you have.
- It’s not “good” vs. “bad”.
- Think of it as “high-interest” or “low-interest”.
- Types of debt payback: snowball, avalanche, combination, other.
- What to do with mortgage debt?
- How to build a safety net/emergency fund.
- How much should the emergency fund be?
- What are the options for where to hold your emergency fund? Cash, Credit Card, HELOC, Cash-Out Refi, Roth IRA
- The role inflation plays on cash in our emergency fund.
Fan Feedback:
None
Key Topics:
- Debt
- Emergency Fund
- High-Interest Debt
- Low-Interest Debt
- Debt Snowball
- Debt Avalanche
- Mortgage Debt
- HELOC
- Roth IRA
Resources Mentioned In This Episode:
The Fat & Broke Book List
Next Show:
Win or Fail Mastermind Group | Session 2
Follow Us:
- Website
- YouTube
- RSS
Show Summary:
In this week’s What Is Now (W.I.N.) episode, we discuss:
- Recess To The Rescue
- Epi Genetics
- Pandemic Stock Plays
Leave A Voice Memo, Review The Show, & Follow Us Here
Introduction:
We are broadcasting live during Hurricane Henri. The show must go on!
Main Show:
Sarah’s W.I.N:
Sarah reviews an article about the importance of recess in school post-covid. The social and physical value of recess is very much needed.
Peter’s W.I.N:
Peter explains Epi Genetics to us and how the choices we make can affect our DNA and our lineage.
Gary’s W.I.N:
Gary analyzes the trend in fitness and weight loss stocks pre, during, and post Covid. The trends show that America is getting more obese which is scary. If you want to invest, you are better off investing in Weight Watcher because ultimately weight loss is more food-driven than exercise.
Fan Feedback:
Voice Memo #1:
Denise leaves us a very nice voice message about a prior episode.
Resources Mentioned In This Episode:
- None
Next Show:
024 | Financial Independence Series | Part 2 | Attack Your Debt & Build A Safety Net
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- Website
- YouTube
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Intro:
We discuss our recent show change and then jump right into the show.
Leave A Voice Memo, Review The Show, & Follow Us Here
Win or Fail Mastermind Group Session:
Peter:
Peter is rethinking an annual event he attends because it is no longer true to his values. We discuss if and how he should go about making this change.
Gary:
Gary talks about “Lessons From Folly Beach.” He just returned from vacation and reflects on how the changes he made to his life over the past few years made it the best vacation he has ever had.
Sarah:
Sarah hasn’t done anything for a few weeks and loved it. She really felt she benefited from a break.
Resources Mentioned In This Episode:
None
Next Show:
What Is Now (W.I.N.) | August 27, 2021
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Show Summary:
In today’s show, we talk about the importance of failure and how to use it along with grit and mindset to be better every day.
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Intro:
We discuss our recent show change and then jump into the show.
Win/Fail:
None! This segment is now its own show. Tune in every Wednesday to hear our win/fails.
Main Discussion:
We start the discussion by talking about what failure means to each of us. We then discuss the relationship between failure, grit, and the growth mindset.
Fan Feedback:
None
Key Topics:
- Failure
- Grit
- Growth Mindset
- Fixed Mindset
- Process vs. Outcome
- Yet
- Genetics
- Talent
- Michael Jordan
Resources Mentioned In This Episode:
Mindset, Carol Dweck
Grit, Angela Duckworth
Next Show:
Win/Fail Mastermind Show
Follow Us:
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- YouTube
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Show Summary:
In this week’s What Is Now (W.I.N.) episode, we discuss:
- Free College
- Selling Breast Milk
- Laughing Is The Best Medicine
Leave A Voice Memo, Review The Show, & Follow Us Here
Introduction:
We start the show by failing in our intros due to a long layoff. We all just returned from some time off. We also announce a schedule change to the show:
Monday: Topic Show
Wednesday: Win/Fail Mastermind Show
Friday: What Is Now Show
Main Show:
Sarah’s W.I.N:
Sarah discusses all of the reasons why laughing is healthy for us. She details many physiological and psychological benefits of laughter.
Peter’s W.I.N:
Peter reviews an article where women are making $2500/month by selling breast milk. The most common usages are for kids who need it, bodybuilders, and people with fetishes. We discuss this as a possible side hustle for women as well as the benefits of donating it.
Gary’s W.I.N:
Gary discusses how big corporations are trying to recruit workers by offering free college tuition. Walmart and Target have recently begun offering this benefit to their employees.
Fan Feedback:
Voice Memo #1:
Jasmin leaves us a voice memo asking a common question: when is it a good idea to use a financial planner? She also offers good advice for those people whose companies don’t offer low-cost index funds in their 401K.
Resources Mentioned In This Episode:
- None
Next Show:
023 | Better To The Power Of F | Using Failure, Mindset, & Grit To Be Better Every Day
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- Website
- YouTube
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Show Summary:
In today’s show, we help you get started on your financial independence journey by building space between what you make and what you spend. In Part 2 of our FI series, we will discuss debt and emergency funds.
Leave A Voice Memo, Review The Show, & Follow Us Here
Intro:
We attempted to play after our last episode and realized we are all old.
Win/Fail:
Gary:
Gary has been more social lately. WIN.
Sarah:
Sarah has started training for her half marathon and has been sticking to the schedule. WIN.
Peter:
Peter needed a new boiler. He capitalized on the current Chase Sapphire Preferred 100,000 bonus point offer by getting a card for him and his wife. Together they will get over 200,000 points just by using it to buy the boiler they need anyway. That equals about $2625. We also discuss other perks of using credit cards. WIN.
Main Discussion:
Gary leads the discussion for Part 1 of our Financial Independence Series: The Gap. The main takeaways and talking points are as follows:
- Step 1 is to build the gap between money coming in and money going out.
- Start with a full reset. Stop everything except what has to be paid. Then slowly add things back in.
- Track your money in & money out using Mint, YNAB, or any other system you want.
- You CAN and SHOULD try and make changes to the big three: Shelter, Transportation, Food.
- Eliminate the little expenses you forgot about or don’t value.
- Pick the things you spend on that you value and want to keep. It can’t be everything!
- Pick one of the budgets that work for you, and stick with it.
- Make more money.
Fan Feedback:
None
Key Topics:
- Mint
- YNAB
- Assets
- Liability
- Lifestyle Inflation
- Track and change
- Financial Reset
- Spend on What You Value
- Income
- Expenses
- Budget
- Side Hustle
Resources Mentioned In This Episode:
The Fat & Broke Book List
Next Show:
What Is Now (W.I.N.) | August 19, 2021
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- Website
- YouTube
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Show Summary:
In this week’s What Is Now (W.I.N.) episode, we discuss:
- Sarah Ruins Peanut Butter For Everyone.
- How Gray Hair Can Be Reversed.
- How To Make Play Exercise
Leave A Voice Memo, Review The Show, & Follow Us Here
Introduction:
The start of our show is delayed by Peter’s wife calling him right when we hit record. She roller-bladed too far and wanted a ride home.
Main Show:
Sarah’s W.I.N:
Sarah reviews an article about whether or not eating peanut butter before bed makes you gain weight? This turns into a general discussion about how to gain and lose weight.
Peter’s W.I.N:
Peter is clearly sponsored by “Just For Men” as he discusses ways to reverse or prevent greying hair. By eliminating psychological stress, there is evidence you can reverse the greying process.
Gary’s W.I.N:
Hula hoops sales surged during the pandemic for obvious reasons. We turn this into a discussion about how to make play exercise. Some examples would be:
- Hula Hoops
- Jump Rope
- Jungle Gym
- Using The Woods For Exercise
- Tag
- Dance
After the show, the 3 of us went outside to play on the jungle gym. We instantly realized we are all old.
Fan Feedback:
Voice Memo #1:
We have NO voice memo this week! Click below to leave us a memo and get a free shirt!
Resources Mentioned In This Episode:
- None
Next Show:
022 | Financial Independence Series | Part 1 | The Gap
Follow Us:
- Website
- YouTube
- RSS
Show Summary:
In today’s show, we have an honest conversation about things we hate about ourselves. We also discuss can and should we change them?
Leave A Voice Memo, Review The Show, & Follow Us Here
Intro:
A quick intro about today’s show as a thought experiment we encourage others to do as well. Self-reflection about all the personality traits we hate about ourselves.
We take a quick interlude into whistling for some odd reason.
Win/Fail:
Gary:
Gary ate the first real salad of his life. WIN.
Sarah:
Sarah went hiking. The weather was awful but she and her sister established a “f it” attitude and had a great time. WIN.
Peter:
Peter went on vacation to the beach. He focused on being less rigid about money and health during his vacation. WIN.
Main Discussion:
The squad has a roundtable discussion about things we hate about ourselves and how others may view us as well. We also discuss whether or not we can/should change these things. Here are the lists:
Gary:
- Gary does not know how to have fun the way other people do. He is trying to change this and believes that he can.
- Gary is very judgmental. Despite what people think, he likes this in some ways and does not want to change this.
- Gary does not prioritize relationships enough. This is something he wants to change.
- Gary has trouble valuing experiences
- Gary does not know how to be happy for other people.
- Gary hates being told what to do.
Sarah:
- Sarah is more stressed than ever due to this podcast. She misses her happy, naive world. Sarah is ok with this and views it as a learning experience.
- Sarah hates that she is not a good advocate for herself. Sarah wants to change this but is not sure how. Based on some books we have read, she may not be able to really change this.
- Sarah has commitment issues and is a procrastinator.
- Sarah does not know what she wants out of life.
- Sarah does not know how to make time.
Peter:
- Peter cares too much about what other people think of him. Peter is working on changing this and has made progress.
- Peter is not good at giving compliments. He tends to hold back.
- Peter is very reactive when he is emotional.
- Peter wears his emotions on his sleeves.
Fan Feedback:
- We received an amazing email from Sarah that details all of the changes she has made since starting to listen to our show.
Key Topics:
- Personality Traits
- Judgemental
- Fun
- Compliments
- Advocate
- Drift
- Commitment
- Procrastinate
- Experiences
- Emotional
- Make Time
Resources Mentioned In This Episode:
- The Fat & Broke Book List
- The Four Tendencies, Gretchen Rubin
- Grit, Angela Duckworth
Next Show:
What Is Now (W.I.N.) | August 12, 2021
Show Summary:
In this week’s What Is Now (W.I.N.) episode, we discuss:
- The Twisties & The Yips
- Taking Mental Health Days From Work
- Why Doctor’s Don’t Test Vitamin D Levels
Leave A Voice Memo, Review The Show, & Follow Us Here
Introduction:
We are recording three shows today! Sarah has just returned from a wedding, so we talk about that for a bit. Gary went to Portland and is trying to be social. Gary is also failing at sending our t-shirts out to the listeners.
Main Show:
Sarah’s W.I.N:
Sarah has an article from the NY Times supporting the need to take “sad” days. We have a good discussion about sick days in general and why mental health days are so important. Sarah decides that she needs a mental health month.
Peter’s W.I.N:
Peter talks about a task force that makes recommendations to doctors about routine screenings. Per this group, there is not enough evidence supporting the need for regular Vitamin D screening. The group discusses the difference between treating disease vs. preventing disease. We also touch on the benefits of Vitamin D, including boosting our immune system, maintaining blood sugar, and its positive cardiovascular effects.
Gary’s W.I.N:
Gary talks about Simone Biles as it pertains to “the twisties” and “the yips.” We discuss the difference between what happened to her physically and her mental health. We also discuss the physiological reasons behind what is going on with her.
Fan Feedback:
Voice Memo #1:
We have a good message from Heather about what HR she should workout at to burn fat. Peter gives a good answer to this commonly asked question.
Resources Mentioned In This Episode:
- None
Next Show:
021 | I Hate Me | Things We Hate About Ourselves & Can/Should We Change Them?
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Show Summary:
In today’s show, we preview and start our multi-part series on Financial Independence.
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Intro:
The show starts with some good music and a quick conversation about the purpose of today’s show.
Win/Fail:
We have a group win as we finish the show talking about some in-person feedback we have received lately.
Main Discussion:
We get right into the discussion on Financial Independence (FI). The team has a good discussion about the meaning of FI for each of them. We also discuss the idea of retirement and if that is something that has to happen in FI.
After our conversation around the why of FI, we discuss a few of the steps to FI that we will be doing follow-up episodes on. They include:
- The Gap
- Choose Value
- Attack Your Debt
- Automate Savings First
- Invest Like A Champ
- Time Is On Your Side
- Giving Back
We can not wait to dive deep into all of the above in future episodes.
Fan Feedback:
- Gary talks about some in-person fan feedback he has received as well as a recent email the team got. We use it as our collective WIN for the week.
Key Topics:
- Financial Independence
- Retirement
- Freedom
- Debt
- Saving
- Budget
- Compound Interest
- Investing
Resources Mentioned In This Episode:
- The Fat & Broke Book List
Next Show:
What Is Now (W.I.N.) | August 5, 2021
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Show Summary:
In this week’s What Is Now (W.I.N.) episode, we discuss:
- How using resisted breath training can lower your blood pressure.
- At what age do you need to start exercising to save the most money on health costs in retirement?
- What does the speed you walk at says about your personality?
Leave A Voice Memo, Review The Show, & Follow Us Here
Introduction:
The official show t-shirt has arrived. Those listeners who have left voice memos that we have used on the show will get a free t-shirt. Shirts and mugs are also available to buy in our store.
Main Show:
Sarah’s W.I.N:
What walking speed says about your personality. Sarah talks about the difference between people who walk fast and slow. Sarah is a fast walker. Gary is slow. What does that mean?
Peter’s W.I.N:
Peter has an inspiratory breath training device that he demonstrates. A recent study shows that this device can lower blood pressure. We discuss if it’s this device or if it’s just breathing in general that lowers blood pressure. We also discuss nitric oxide again!
Gary’s W.I.N:
Gary reviews a study that looked at the correlation between when you start exercising and health care costs in retirement. As you would suspect, the earlier you start the better. Those who start between 19-29 years old, save about $1900/year in retirement. Even if you start later, you can save up to $900 per year. So just START!
Fan Feedback:
Voice Memo #1:
We have a voice memo from Peter’s cousin Lanna. She has a question about the need for lifting heavy as a runner and when should you be happy with where you are?
Resources Mentioned In This Episode:
- None
Next Show:
020 | Financial Independence Series | Introduction
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Show Summary:
In today’s show, we discuss Kenny F*ng Loggins. This is a mantra we use to help us do hard things. We discuss this and more mental tricks do help us overcome our brain’s desire to stop.
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Intro:
The show starts with some good music and a quick conversation about the purpose of today’s show.
Win/Fail:
In our win/fail segment:
Sarah went to the mall and didn’t buy anything! WIN.
Gary played barefoot basketball with Peter and now has blood blisters all over his feet. FAIL.
Peter played gaga ball with his kids and friends. He of course took off his shirts and beat all of the kids. FAIL.
Main Discussion:
Next, we dive into our topic of the day, “Kenny F*ng Loggins | Mental Tricks To Do Hard Things”
In this show, we talk about different strategies we and our listeners can use to start and finish doing hard things.
Some strategies include:
- Self Talk
- Visualization
- Accountability
- Celebrate Small Wins
- Re-Framing
- Self-Kindness
Fan Feedback:
- George enjoyed our blog post regarding teaching kids about money.
- Brogan writes in to talk about the power of compound interest.
Key Topics:
- Do hard things
- Mental toughness
- Self-talk
- Visualization
- Accountability
- Goals
- Be Kind
- Start with the end in mind
Resources Mentioned In This Episode:
- Can’t Hurt Me, David Goggins
- Mr. Money Mustache Blog
Next Show:
What Is Now (W.I.N.) | July 29, 2021
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Show Summary:
In this week’s What Is Now (W.I.N.) episode, we discuss:
- What lab panels do we suggest everyone gets checked
- Our own blood results
- Action items to address lab result deficiencies
Leave A Voice Memo, Review The Show, & Follow Us Here
Main Show:
We get right into a great discussion about the various lab panels available, which we suggest you get, and why.
Following that, the team has a good discussion about some of their deficiencies which include:
- Vitamin D
- Vitamin B12
- Testosterone
Fan Feedback:
Voice Memo #1:
- None
Resources Mentioned In This Episode:
- None
Next Show:
019 | Kenny F*ng Loggins | Mental Tricks To Do Hard Things
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Show Summary:
In today’s show, we discuss the Tic Tac fallacy. We use this term when discussing food that people think is good for them, but it is really not.
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Intro:
The show starts with the hosts talking about Peter’s floppy colon and his misguided beliefs around the role gas plays in bowel movements.
Win/Fail:
In our win/fail segment:
Peter started his kids on the Greenlight App, an online bank account/debit card. Check it out here. WIN.
Gary did some DIY to his two cars and saved close to $300. He is now planning to try to replace his own brakes. Uh oh! WIN.
Sarah has not cried this week! She had been crying three times a day but has not this week. WIN.
Main Discussion:
Next, we dive into our topic of the day, “The Tic Tac Fallacy | Sorry, It’s Not Good For You!”
In this show, we talk about foods that we often believe are good for us but that really are not. We also talk about the marketing around these foods that intentionally mislead us.
Here is the complete list of the foods we discussed and those we did not:
Healthy Workout Food
- Energy bars
- Trail mix
- Protein bars/shakes/smoothies
- Sports drinks
- Smoothies
Low-Calorie Food
- Tic Tacs
- Salads covered with a dressing, cheese, bacon, etc.
- Low-fat yogurt
- Reduced-fat anything
- Turkey bacon
- Frozen yogurt
High-Calorie Food We Think Is Healthy
- Granola
- Nuts
- Dried Fruit
Sugar-Free/Fat-Free Foods
- Diet Soda
- Energy Drinks
- Salad Dressing
Sugar Substitutes
- Cane Sugar
- Agave Nectar
Other
- Multi-Grain Bread
- Fruit juice
- Veggie chips
- Pretzels
- Deli meats
We then discuss some of the marketing schemes companies use to get us the buy these products. Some of these include:
- “Real Fruit”
- “All Natural”
- “Natural Flavors”
- “No Sugar Added”
- “GMO-Free”
- “Gluten-Free”
- “Women-Owned”
- “Organic”
- “Light”
- “Locally Grown”
- Colors that we believe to be healthy (green)
- Images of active and healthy people
Fan Feedback:
- We have a good text message from Steve asking us about the 4% Rule.
Key Topics:
- Healthy Food
- Weight Gain/Loss
- Calories
- Fat
- Healthy Eating
Resources Mentioned In This Episode:
- None
Next Show:
What Is Now (W.I.N.) | July 22, 2021
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Show Summary:
In this week’s What Is Now (W.I.N.) episode, we discuss:
- Is seltzer water as hydrating as regular water
- Peter’s weak hands mean he will die young
- Your superior self
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Intro:
We are excited to have Jessica back as a co-host! We get right into the topics at hand.
W.I.N. #1:
Sarah has an article that explores whether or not seltzer water is as hydrating as regular water. The answer is….YES. The negative effects are mostly limited to gas and weakened teeth enamel.
W.I.N. #2:
Gary reviews a study that showed a relationship between grip strength and disease/death. This is especially true as we age. We discuss Peter’s very weak grip hands and how he will die young because of it.
W.I.N. #3:
Peter talks about a podcast he listened to recently that explored how to create a better version of you.
Fan Feedback:
Voice Memo #1:
Jasmin leaves us a memo about how to pick out quality supplements.
Resources Mentioned In This Episode:
- Hidden Brain Podcast
Next Show:
018 | Tic Tac Fallacy | Sorry, It’s Not Good For You!
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Show Summary:
On today’s show, we discuss why women should lift heavy things as part of their regular workouts.
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Intro:
The show starts with the hosts talking about forbidden words on our show.
Win/Fail:
In our win/fail segment:
Peter talks about not knowing how to behave on the sideline during his kid’s sporting events. Gary offers him some sage advice. WIN.
Gary has booked a family vacation. This is a big deal for Gary as he has trouble spending money. WIN.
Sarah has not cried this week! She had been crying three times a day but has not this week. WIN.
Main Discussion:
Next, we dive into our topic of the day, “Wonder Women | Why Women Should Lift Heavy Things.”
In this show, we talk about the physical and mental benefits of women lifting heavy things.
Physical
- Improved body composition vs. scales
- Increased metabolism
- Increased bone density
- Increased strength
- Decreased pain
- Increased endurance
Mental
- Improved confidence
- Feel better about appearance
- Look good, feel good
- More self-reliant
- Overall improved mental health
Myths & Barriers
- Spot training
- Getting toned
- Keep the “good” and lose the “bad”
- Fearing the other half of the gym
- Not wanting to be bulky or manly
- Not knowing how
Fan Feedback:
- Comment from Denise asking if there are long-term effects from using topical muscle warmers before workouts.
- Our fans are calling Peter out about salad being his “favorite” food.
Key Topics:
- Strength training
- Metabolism
- Hormones
- Cardio
- Body Composition
Resources Mentioned In This Episode:
- None
Next Show:
What Is Now (W.I.N.) | July 15, 2021
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Show Summary:
In this week’s What Is Now (W.I.N.) episode, we discuss:
- Barbaric Weight-Loss Strategy
- Born To Run
- Pinterest Bans Weight Loss Ads...Finally!
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Intro:
It’s another rainy holiday weekend in New England. The squad previews the upcoming show and updates our listeners on our T-shirts.
W.I.N. #1:
Sarah discusses Pinterest banning weight-loss ads. The team applies the conversation to our website and other social platforms. We talk about how good it is to see these platforms taking moral stands and factoring in mental health to what they allow to be posted.
W.I.N. #2:
Gary talks about a new weight loss device that magnetically shuts your mouth and only allows you to eat liquids through a straw. We also talk about a new gastric emptying device targeted towards weight loss.
W.I.N. #3:
Peter reviews an article that showed listening to music can improve your performance in running and exercise.
Fan Feedback:
Voice Memo #1:
Denise leaves us a message asking Gary how he went about picking his B12 vitamin. This leads to a discussion about our gap of knowledge in this area and thanking for Denise helping to make us better every day!
Resources Mentioned In This Episode:
- Atomic Habits, James Clear
Next Show:
017 | Wonder Women | Why Women Should Lift Heavy Things
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Show Summary:
On today’s show, we discuss the lessons we learned from a year of Covid and how there is an opportunity in every crisis.
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Intro:
The show starts with the hosts talking about Peter not taking our own show’s advice and eating a lot of hummus last night. Because of that, his GI system is upset.
Win/Fail:
In our win/fail segment:
Peter talks about showing up at the grocery store the first day that the mask mandate was lifted. He was hoping for some form of confrontation and got NOTHING! FAIL.
Gary is killing it with credit card points by scheduling multiple flights, hotels, and cars without spending any money! WIN.
Sarah has started selling pictures of her feet on some weird websites. Gary and Pete are concerned about some of the odd comments she is getting. WIN?
Main Discussion:
Next, we dive into our topic of the day, “What Covid Taught Us... | Finding Opportunity For Personal Growth In Crisis.”
The point of the show is to talk about what we were able to learn over the past year during the Covid crisis in the following:
- Money
- Health & Wellness
- Work
- Relationships
- Essentialism
Each pod member talks about their experiences with the above during the year and what changes they will make around each going forward.
Lastly, we talk about what it means to keep only the essential things in your life and how to do that.
Fan Feedback:
- Jazzy Jaz has eaten 30 plants this past week as she works on building the best microbiome possible! Jaz was also our guest on episode 15.
Key Topics:
- Covid-19
- Crisis
- Opportunity
- Money
- Health
- Relationships
- Essentialism
- Gratitude
Resources Mentioned In This Episode:
- FeetFinder
- Essentialism, Greg McKeown
Next Show:
What Is Now (W.I.N.) | July 8, 2021
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Show Summary:
In this week’s What Is Now (W.I.N.) episode, we discuss:
- Why kids should exercise.
- Soaring car prices.
- Pineapples.
- Does coconut oil deserve its halo?
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Intro:
We are joined by Jasmin on this W.I.N. episode. We jump right into the show.
W.I.N. #1:
Peter discusses the importance of exercise during childhood on cognitive development.
W.I.N. #2:
Gary talks about the supply/demand problem in the new and used car markets and what action items our listeners can take.
W.I.N. #3:
Sarah tells us all the reasons pineapples are great for us!
W.I.N. #4:
Jasmin debunks the food myths around coconut oil and gives good healthy alternatives for cooking.
Fan Feedback:
Voice Memo #1:
We have another voice memo from Jenny asking our opinion as to why money is the number one cause for divorce/breakups. The team all chime in as to why we think this is and provide some possible solutions.
Resources Mentioned In This Episode:
- None
Next Show:
016 | What Covid Taught Us | Finding Opportunity For Growth During Crisis
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Show Summary:
On today’s show, we have our first guest interview. We welcome Jasmin to the show. She is a friend and regular listener. We asked her to discuss her lifestyle, what drives her, and this fundamental question: is there such a thing as good enough?
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Intro:
We start the show excited about having our first guest. We then introduce Jasmin Keramaty.
Win/Fail:
In our win/fail segment:
Peter talks about drinking too much, staying out late, and missing our last recording session. FAIL.
Gary ran with his shirt off and went swimming. WIN.
Sarah spent fathers day with ALL of her family, which rarely happens. WIN
Jasmin overcame fear with the help of her son and experienced something she otherwise would have missed. WIN
Main Discussion:
Next, we dive into our topic of the day, “Better Every Day, Or Good Enough? | Jasmin Keramaty.”
In this episode, we talk to Jasmin about:
- Is there such a thing as being content?
- Can you get better every day?
- Is striving for constant improvement exhausting?
- Does wanting to be better mean that you are not good enough?
- How did she learn to embrace failure and still be kind to herself?
- Why is it important to be physically strong?
- Why did she become a vegan?
Fan Feedback:
- Faith writes in to thank us for recommending the MINT app. She has been using it to track her spending, which has resulted in positive changes for her.
- Denise commented on Peter’s post about food prepping. She loves the idea of food prepping but her family doesn’t like leftovers.
Key Topics:
- Better Every Day
- Content
- Strong
- Vegan
- Burnout
- Plant-Based
- Kind
- Soundtracks
- Failure
Resources Mentioned In This Episode:
- Soundtracks, Jon Acuff
- Food For Thought Podcast
Next Show:
What Is Now (W.I.N.) | July 1, 2021
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Show Summary:
In this week’s What Is Now (W.I.N.) episode, we discuss:
- Sacrificing For Retirement
- Peter Gives Us “The Talk”
- Money Advice For New Grads
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Intro:
The team starts with a new intro as we work on being more professional. Gary talks about his trip to Chicago for his son’s hockey tournament. Peter just returned from Connecticut and has bad poison ivy. Sarah went to Cape Cod to celebrate Father’s Day with her family. She has taken tanning to a whole new level. Everyone is happy to be back traveling again.
W.I.N. #1:
Sarah talks about 19 things we may need to sacrifice in order to retire. This leads to a discussion about spending on what we value and the idea of starting with the end in mind. The word sacrifice can lead to a scarcity mindset and we do not believe in that. We talk about how to enjoy life now while also planning for your future.
W.I.N. #2:
Peter talks about how to communicate with your kids about “the birds and the bees.” This leads to a good conversation about communicating with kids about food, money, and all other things. The conversation also takes some awkward twists and turns.
W.I.N. #3:
Gary and the team give money advice to new grads. Some of the advice given is:
- Start your 401K immediately
- Live at home as long as possible
- Buy a used car
- Pay off your loans ASAP
- Start saving 40% or more of your income right away
- Don’t try and keep up with your friends
- Learn to say no to going out and lifestyle inflation
Fan Feedback:
Voice Memo #1:
Our first message is from a listener who wants to know if sleeping with a fan is good or bad. She also wants Peter to learn to enjoy spending money eating out.
Voice Memo # 2:
Our second message is from a listener who likes our mouth taping and suggests a surgical procedure called MIST (Minimally Invasive Sinus Technique) that can help people breathe and sleep better. It also helps with making out!
Resources Mentioned In This Episode:
- Afford Anything Podcast/Blog
Next Show:
015 | Better Every Day, Or Good Enough | Jasmin Keramaty
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Show Summary:
In today’s show, we discuss what we learned about money as kids and how that has shaped our money journeys.
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Intro:
Its been raining for 3 days at the time we start the show. It has ruined memorial day weekend for all of us. The good news is that we got a chance to podcast today since all of our plans have been canceled.
Win/Fail:
In our win/fail segment:
The team celebrates a TEAM win of achieving 2000+ downloads!
Peter celebrated his 20th anniversary with his wife. He had a great weekend with just his wife. WIN.
Gary recalls being called out by a patient for not going to the doctor yet. He immediately scheduled the visit and lab work. Gary is thankful for the patient and the show for holding us accountable. WIN.
Sarah talks about canceling numerous subscriptions that she no longer uses. WIN.
Main Discussion:
Next, we dive into our topic of the day, “My Mamma Always Said! | Our Money Personalities & Journeys”
We start the show by talking about the 7 money personalities as listed by Ken Honda. Each pod member identifies as one of the seven. Gary and Peter identify as Compulsive Savers and Sarah is a Saver/Splurger.
We then move on to discuss what we learned as kids about money as it pertains to money, saving, spending, investing, budgeting, and more. Each team member recalls how money made them feel when they were kids and what money was like in their homes growing up.
Following our childhood stories, we talk about what our personalities are now, how they have evolved, and what we still need to improve going forward. Gary and Peter were spenders when they were younger and morphed over time into savers. Sarah has recently started making some changes towards being more of a saver and less of a spender. Gary and Pete talk about many mistakes they made when they were younger. Hopefully, Sarah avoids these same mistakes!
Lastly, we talk about how money makes us feel. Sarah feels stress around money but feels like she is making progress with learning more about money. Peter attempts to be indifferent to money by automating as much as he can. Gary is working hard to let some of his money go and worry less about spending.
Action Item:
Sit down and think about your money journey to this point and are you happy where you are? If not, make some changes. Gary suggests finding a money mentor and getting better educated around money.
Fan Feedback:
- A comment from episode 004, “Peter is on Roidz.” A fan talks about their own positive results from doing HRT.
Key Topics:
- Money Personalities
- Scarcity
- Saving
- Budgeting
- Investing
- Money Lessons
- Automation
Resources Mentioned In This Episode:
- Happy Money, Ken Honda
- The Psychology of Money, Morgan Housel
Next Show:
What Is Now (W.I.N.) | June 24, 2021 |
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Show Summary:
In this week’s What Is Now (W.I.N.) episode, we discuss:
- Happy Mornings
- Avoiding Early Death
- Are Grapes Good For You?
Leave A Voice Memo, Review The Show, & Follow Us Here
Intro:
The show starts with another awkward intro. Sarah and Peter refuse to introduce themselves without me asking them. We are also excited to announce that we have two voice memos.
W.I.N. #1:
Gary quickly refers to an article that discusses a company that is now allowing people to invest in cryptocurrencies inside of their 401K’s. The team discusses the good and bad of this plan. This leads to a discussion of what crypto and Bitcoin are and why it’s becoming so popular.
W.I.N. #2:
Sarah tells us the 6 benefits of grapes. These include heart benefits, lower blood pressure, better skin, immune boosting, and more! We also learn that grapes are toxic for dogs. Lastly, we talk about how to eat healthily and not spend a lot at the grocery store.
W.I.N. #3:
Gary talks about 5 things you should do in the morning to be happier every day.
- Pick a wellness habit and do it every morning.
- Get your phone out of your room.
- Talk to yourself.
- Talk to someone else.
- Incorporate gratitude.
W.I.N. #4:
Peter tells us how to avoid an early death by exercising daily and reducing the amount of time we are sedentary. A recent study found that living a sedentary life, even with daily exercise, leads to an earlier death. The end result is that we should exercise daily AND stay as active as possible.
Fan Feedback:
Voice Memo #1:
We reason to a listener that wants to know how her teenage son can GAIN weight.
Voice Memo # 2:
We respond to a listener that asks our opinion on youth sport specialization.
Resources Mentioned In This Episode:
- Effortless, Greg McKeown
Next Show:
014 | Mama Always Said | Our Money Personalities & Journeys
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Show Summary:
In today’s show, we discuss what we can all do to build a better immune system. After experiencing Covid-19 in 2020, we all want to know what we can do to be more resilient.
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Intro:
The pod squad starts the show by talking about what we should call our fans. We reluctantly decide on “Frokers”. After that, we talk about why Peter is shirtless and just did 30 pushups.
Win/Fail:
In our win/fail segment:
Peter has made some changes around the way he approaches food with his kids. He has decided to make an effort to be less outwardly judgemental about the choices his kids make around food. His role will be to bring the food into the house and it stops there. His kids will have to make choices about when, how much, etc. WIN.
Gary is excited to talk about a patient that has been listening to us and decided to make big life changes around health and money. WIN.
Sarah admits to being an asshole for the past few weeks and APOLOGIZES!. Gary soaks in the apology but gives Sarah a pass due to her life stressors. FAIL.
Main Discussion:
Next, we dive into our topic of the day, “Immunity Now | How To Build A Better Immune System.”
The F&B team talks about how we have more influence on our immune system than we may realize. After experiencing Covid-19, we provide actionable tips for us and our listeners to take to build a more robust immune system.
We start by talking about the difference between Passive and Active immunity.
Passive immunity refers to masks, hand washing, vaccines, etc. Active immunity is what we can do to improve our actual immune system so that if the passive immunity fails, we still have the ability to fight bacteria, viruses, etc.
Peter brings up the 4 domains of immune health:
- Nutrition
- Exercise
- Sleep
- Stress
Action Items:
- Follow the 90/10 rule. Get 90% of your food from whole foods.
- Get your lab work done to see where you may need to supplement.
- Exercise daily and often to keep your immune system active and circulating in your body.
- Sleep 7-9+ hours per day to keep your immune system strong. Create a quiet and dark space to sleep. Cooler temps are better (65-68 degrees). Eliminate LED screens an hour before bed.
- Do not over-stress your body or mind. Don’t overtrain your body. Use meditation, sleep, and crying to control your stress.
- Get Vitamin D through the sun and supplements!
- Use passive immunity precautions to prevent illness when you can.
Listener Feedback:
- Sarah ran into a fan in the Nashville airport!
- We got a 5-star review from excougar who loves the show!
Key Topics:
- Covid-19
- Immunity
- Nutrition
- Sleep
- Exercise
- Supplements
- Vitamins
- Microbiome
- Lymphatic System
- Stress
- Cortisol
- Meditation
- Vitamin-D
Resources Mentioned In This Episode:
- Ulta Lab Tests
- All It Takes Is A Goal Podcast
- Effortless, Greg McKeown
- Soundtracks, Jon Acuff
Next Show:
What Is Now (W.I.N.) | June 17, 2021
Show Summary:
In this week’s What Is Now (W.I.N.) episode, we discuss:
- Dying broke.
- Nutritional keys to healthy skin.
- Update on Peter’s testosterone.
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Intro:
The show starts with us confronting Sarah as to whether or not she has Rona or not. We then update our information about hummus and we talk about hypnosis. We are making an effort to circle back to topics when we say we are going to. Lastly, we celebrate receiving our new custom mugs.
W.I.N. #1:
Gary discusses the idea of dying broke vs. saving a lot of money to give as an inheritance after death. The pros of giving your money away early is that your kids can get it when they need it the most and you can protect your money from being taken for healthcare when you get older among others.
W.I.N. #2:
Sarah gives us 7 nutritional keys to having healthy skin and why each is essential. We also talk about the value of supplements and if they are worth the cost.
W.I.N. #3:
Peter gives us an update on his HRT. His numbers are improving overall and he is feeling great. He has decided to lower his dosage again. Overall the HRT has been successful for Peter.
Resources Mentioned In This Episode:
- None
Next Show:
013 | Immunity Now! | How To Build A Better Immune System
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Show Summary:
In episode 21, we discuss the many benefits of eating at home. We also give some of our favorite DIY dishes.
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Intro:
The team keeps trying new intros and each one is worse than the last. Gary is not interested in small talk so we start the show.
Win/Fail:
In our win/fail segment:
Peter failed by calling out of work because of a lack of sleep. FAIL. Gary and Sarah do support Peter in that we only want the best version of Peter at work.
Gary has a fatherly win. His son Ashton made varsity baseball as a Sophomore. He got into the game to pitch, faced one batter, and struck him out. Gary is proud of the confidence Ashton showed during that situation. WIN.
Sarah has multiple fails. Sarah skipped the fat pinch this week. She was not mentally ready for a pinch this week. FAIL. Sarah also has a win by signing up for a 10K. WIN. We have a good conversation about creating external accountability to achieve a goal.
Main Discussion:
Next, we dive into our topic of the day, “DIY Your Favorite Food | The Many Benefits of Cooking & Eating at Home.”
The F&B team talks about controlling our food budget and eating better by cooking and eating at home.
The benefits of cooking and eating at home include:
- Save money
- Eat healthier
- Creativity and fun
- More family time and better memories
- Save time
DIY Dishes/Tips:
Peter:
- Food Prepping
- $2-$3 per person per meal strategy
Gary:
- Pizza
- Auntie Anne’s Pretzels
- Papa Gino’s Breadsticks
- 99’s Buffalo Tenders
- Energy Bars (RX Bars)
- Texas Roadhouse Rolls
- Olive Garden Breadsticks
Sarah:
- Peanut Butter
- Hummus
- Guacamole
- Cashew Milk
- Oat Flour
- Cauliflower Rice/Crust
Takeaways:
- Faster
- Cheaper
- Healthier
Listener Feedback:
Comments :
1: Jessica calls Gary out for having a fixed mindset. Gary agrees.
2: The Queen of the Honeybees has a comment/question about eating before bed.
Key Topics:
- Sleep
- Confidence
- External Accountability
- Food Budget
- DIY
- Healthy Eating
- Family
- Save Time
- Food Prepping
Resources Mentioned In This Episode:
- 7 Habits of Highly Effective People, Stephen Covey
- Pressure Cooker
- Sharp Knives
- Food Processor
- Bread Machine
- Griddle
- Cast Iron Pan
Next Show:
What Is Now (W.I.N.) | June 10, 2021
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Show Summary:
In this week’s What Is Now (W.I.N.) episode, we discuss:
- Benefits of Getting Drunk.
- Changing Your Brain With Meditation.
- Is Hummus Really Bad For You?
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Intro:
It is late again and Gary just wants to start the show! So we START!
W.I.N. #1:
Gary discusses how meditation can change your brain. Specifically, meditation can improve the size and activity of the pre-frontal cortex which gives us more control over our amygdala. In return, this gives us more impulse control allowing us to make better decisions around food, money, and more. Also, meditation can improve happiness by lighting up your left prefrontal cortex. A great discussion around meditation ensues.
W.I.N. #2:
Peter talks about the benefits of drinking alcohol. An article he was reading states that moderate alcohol consumption has positive effects on our heart and stress levels. We also talk about the effects of alcohol on sleep and how that would contradict what the article is saying. We have a good conversation about the good and bad of alcohol.
W.I.N. #3:
Sarah is disappointed that apparently having too much hummus is bad for you. The article Sarah read specifies that hummus is high in fiber as well as calorically dense. Eating too much hummus can have negative GI effects. Sarah recently started making her own hummus so this news is not welcome for her.
Resources Mentioned In This Episode:
- Brain HQ App
- Calm App
- Headspace App
Next Show:
- 012 | DIY Your Favorite Food | The Many Benefits of Cooking & Eating at Home
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- YouTube
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Show Summary:
In episode 019, we discuss what it means to design your future and whether it is something you should do, and if it is, how do you do that.
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Intro:
Gary tries to go solo, but Peter and Sarah don’t let him. Sarah gets cut from episode 10 because she was mad at Gary.
Win/Fail:
In our win/fail segment:
Sarah made cashew milk, and it is fantastic. WIN.
Sarah and Gary reviewed and adjusted Sarah’s 401K plans. WIN.
Peter reports a new personal record for a deadlift at 400 pounds. Gary also set a PR at 300 pounds and hates Peter for showing him up. WIN.
Gary recounts an unforgettable coaching moment he had this week. After teaching the kids about the power of the word YET, a player repeats it to a teammate during a down moment to help pick him up. WIN.
Main Discussion:
Next, we dive into our topic of the day, “It’s My Life: What it means to design your future/life.”
The F&B team talks about what it means to each of them to design their life/future and whether that is something they do and something we should be doing.
Gary and Peter are big believers in life design, whereas Sarah wants to live in the moment. Each person talks about what their future life would look like in an optimal world. We make Sarah take a moment to reflect and talk about what she wants in the future even though it makes her uncomfortable.
Action Items:
- Reflect on Current State
- Make Change With End in Mind
- Design Your Future State
Listener Feedback:
Text :
Peter gets an inspiring text message from a listener who is taking our message about doing hard things and applying it to her life daily. This listener would often make lists and leave off the most challenging thing. After listening to the show and talking to Pete, she starts each day with the most challenging thing on her list.
Key Topics:
- Lifestyle Design
- Financial Freedom
- Mindfulness
- Drift
- Meditation
- Time Asset
- Masterminds
- Mentors
- Happiness
- Lifelong Learning
- Physical Fulfillment
- Social Fulfillment
Resources Mentioned In This Episode:
- Design Your Future, Dominick Quartuccio
- Atomic Habits, James Clear
- The Subtle Art Of Not Giving A FCK*, Mark Manson
- Blue Collar Cash, Ken Rusk
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Show Summary:
In this week’s What Is Now (W.I.N.) episode, we discuss:
- Noisy Joints
- Pandemic Exercise Paradox
- Building Our Microbiome
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Intro:
It is extra early as we record this podcast as our family lives are getting busier post-Covid. We discuss Sarah’s recent vacation to Nashville. Also, if you get vaccinated in Ohio you can win 1 million dollars!
W.I.N. #1:
Sarah talks about whether or not cracking your joints is bad for you. The research says...NO, it is not. The noise joints make is gas bubbles and does not result in more arthritis.
W.I.N. #2:
Peter discusses an exercise paradox where mental health has become a motivator and a barrier. We discuss how and where to start and that perfect can be the enemy of the good. Action items:
- Adopt a mindset: just start
- Move a little every day
- Block time in your calendar to exercise
W.I.N. #3:
Gary talks about how to build a healthy microbiome (gut) by eating the right foods. The team discusses 10 foods that improve your microbiome.
Microbiome Challenge:
The team agrees to submit a sample to the American Gut Project to assess their current microbiome and see how they can improve it.
Resources Mentioned In This Episode:
- Make Time, Jake Knapp & John Zeratsky
- The American Gut Project
Next Show:
011 | It's My Life | Designing Your Current & Future Life
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Show Summary:
In episode 017, we discuss why some doctors tell their patients not to exercise and what we can do to change that.
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Intro:
The intro gets awkward as Sarah gets mad at Gary right before we hit the record button.
Win/Fail:
In our win/fail segment:
Gary received his quarterly dividend payments,, and the team discusses the power of compound interest and having your money work for you. WIN.
Peter reviewed his monthly bills and cut his gym and cable bill saving him over $100/month. WIN.
Sarah has two! Sarah swam with sharks and canceled her protein powder subscription. WINS.
Main Discussion:
Next, we dive into our topic of the day, “Dr. Don’t | Why Do Some Doctors Tell Their Patients Not To Exercise?”
As PT’s our patients tell us all of the time that their doctors tell them to not run, lift, exercise, and more. We talk about the reasons they may be doing this, common myths about certain exercises, and ways we can keep this from happening in the future.
Fan Feedback:
Texts:
- Mark is a teacher that will be incorporating our win/fail segment into his class to help teach kids to not fear failure.
- KL texts and is looking to get on the right track with her loans and investments. She is a young professional and wants to set herself up for the future.
Key Topics:
- Exercise myths
- Imaging doesn’t correlate to injury
- Arthritis
- Soft tissue injury
- Deadlifting, squats, running
- Resistance training
- Mental health
- Growth mindset
Resources Mentioned In This Episode:
- gettingfatgoingbroke.com
Follow Us:
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- YouTube
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Show Summary:
In this week’s What Is Now (W.I.N.) episode, we discuss:
- Our just cause and occasionally crossing the line.
- The Placebo Effect.
- Happy Habits.
- Sun Power!
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Intro:
The team is short a player. Sarah is on another vacation so Jess sits in on the show. We discuss Jess’s nervousness about being on the show.
Just Cause:
We reiterate our just cause about wanting to help people and not make fun of people and we apologize if we crossed a line on a previous episode. We want to be informational, funny, and entertaining but not mean and/or insulting.
W.I.N. #1:
Peter talks about the effect of placebo which leads to a conversation about the power of mindset. We talk about how our minds can be used for or against us.
W.I.N. #2:
Jess talks about her recent emotional state that led her to think she was nearing menopause. During her research around menopause, she discovers that exposure to sunlight can do great things for her. The problem is that Jess is a ginger and basically allergic to the sun! Peter chimes in with his take on the epidemic of sunblock. The team agrees that some sun is great for many reasons.
W.I.N. #3:
Gary tells the team the 4 habits of happy people. They are:
- Take Stock
- Create a List of Words to Live By
- Start Your Morning on Your Own Terms
- Follow the Sparks
We discuss which of these things we currently do and what we can do better.
Resources Mentioned In This Episode:
- Why We Sleep, Matthew Walker
Next Show:
010 | Dr. Don’t | Why Do Some Doctors Tell Their Patients Not To Exercise?
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Show Summary:
In episode 015, we each discuss two of the biggest money mistakes we have made in our life so far.
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Intro:
Let’s talk about money fails because we love to learn from failure!
Win/Fail:
In our win/fail segment:
Peter got suckered into Walmart marketing and fell victim to impulse buying. FAIL.
Gary is penny-wise and pound-foolish when it comes to the dentist and now it is costing him. FAIL.
Sarah is FINALLY going on vacation! WIN.
Main Discussion:
Next, we dive into our topic of the day, “Our Biggest Money Mistakes.”
Peter:
- Spending $30,000 on recreation in his 20’s and 30’s and not investing at all. The discussion also gets into the power of investing early vs. starting late.
- Starting being an adult late and missing a decade or more of income has probably been a million-dollar mistake.
Sarah:
- Going to college for 1 year and dropping out. This mistake cost her $6000. We also discuss the value of JuCo and a gap year to help avoid this.
- Sarah is a self-professed membership whore. We discuss her addiction to memberships, specifically Lady Boss Protein Powder.
Gary:
- Selling his last house vs. keeping it and renting. He has missed a decade of rental income and probably the start of his rental portfolio.
- Taking out student loans he didn’t need when he was in college to lease a new Ford Explorer.
Listener Feedback:
Instagram Poll:
- 31% of people hate Gary’s voice.
Facebook Comments:
- Beth, Jasmin, and Cailyn left us amazing reviews recommending the podcast to their followers.
Texts:
- Nicole sent a great text listing out all of the action steps she has taken based on our blog and podcast. The best part is how she is making what we say and applying it the way it fits her family best.
- Diane hates Gary but has to admit she loves the podcast!
Key Topics:
- Do hard things
- Make hard choices
- Habits
- Mindfulness
- Be in the moment
Resources Mentioned In This Episode:
- Gettingfatgoingbroke.com
- Design Your Future, Dominick Quartuccio
Follow Us:
- Website
- YouTube
- RSS
Show Summary:
In this week’s What Is Now (W.I.N.) episode, we discuss:
- The #1 cause of obesity.
- The secret for better exercise.
- Is self-optimization sub-optimal?
- Is crying good for you?
- The results of sleeping with our mouths taped shut are in!
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Intro:
A quick intro of hello’s that leads right into the show.
W.I.N. #1:
A recent study determines that the #1 cause of obesity is eating too much and moving too little. Gary is annoyed that this still needs to be studied. This is a quick conversation about eating too much.
W.I.N. #2:
Peter discusses self-optimizing as a potentially harmful thing. Sel-optimization can be exhausting at times and rigidity. Ultimately we decide that perfect is the enemy of good and that moderation is better.
W.I.N. #3:
Sarah discusses crying and why it is a good thing. The conversation goes in many directions including Gary’s son crying during a baseball game and Sarah recently crying a lot. The article suggests the many benefits of crying, some of which Gary disputes. The end result is that crying is generally a good thing.
W.I.N. #4:
The last W.I.N. is a study where they used topical heating cream as a performance enhancer. The results were minimally positive but the article still suggests that this is the secret to better exercise. The team disputes this article and the findings.
Sleep Challenge:
We all discuss our experiences taping our mouths shut when we slept. Peter was a total fail and only lasted one night. Sarah had mixed results but nothing great. Gary had a very positive experience and continues to tape his mouth at night.
Fan Feedback:
A special fan feedback segment to give more timely advice. Jay has a question about paying off a mortgage vs. investing the money. Tune in for the answer!
Resources Mentioned In This Episode:
- The Four Tendencies, Gretchen Rubin
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- YouTube
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Show Summary:
In episode 013, we discuss Spending More Time in the Hole. How doing hard things can improve your life.
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Intro:
April is financial literacy month, and our kids are going back to school full time!
Win/Fail:
In our win/fail segment:
Peter’s daughter invests $6 into making brownies and sells them for $50. A young entrepreneur in the making. WIN.
Gary nurses his wife back to health which is a total win despite what Peter and Sarah say. WIN.
Sarah runs a 9:30 mile on the treadmill, which her fastest every. However, since then, she hasn’t been able to walk. WIN.
Main Discussion:
Next, we dive into our topic of the day, “Spend More Time in the Hole.”
Our discussion in this episode revolves around doing hard things. Making yourself uncomfortable can make you a better person. Learn by failing over and over again. Easy choices, hard life: Hard choices, easy life. Be more mindful about all of your choices and try to make the harder and more uncomfortable choices.
The team also talks about uncomfortable things they have done recently and some they plan to do in the future.
Peter wraps it up with some action items. Identify what makes you uncomfortable. Put yourself in uncomfortable situations. Do it over and over again. Spend more time in the hole!
Listener Feedback:
The Fat & Broke team then moves on to fan feedback from the show and the gettingfatgoingbroke.com blog. CJ comments on Peter’s food prep post. He learned a lot about food prepping and offered a tip on washing fruit with a water/vinegar wash. We are going to try this.
Key Topics:
- Do hard things
- Make hard choices
- Habits
- Mindfulness
- Be in the moment
Resources Mentioned In This Episode:
- gettingfatgoingbroke.com
- The Art of the Hard Part, Raptitude
- Easy Choices, Hard Life; Hard Choices, Easy Life
Call To Action:
- Website: http://www.gettingfatgoingbroke.com
- Facebook: https://www.facebook.com/gettingfatgoingbroke
- Instagram: https://www.instagram.com/gettingfatgoingbroke/
- Twitter: https://twitter.com/getfatandbroke
- YouTube: https://www.youtube.com/channel/UCp1aYWLbnm9e8F1o0eSJvqQ
- RSS: https://thefatbrokepodcast.buzzsprout.com/
Show Summary:
In this week’s What Is Now (W.I.N.) episode, we discuss:
- The deadly effects of unconscious wakefulness.
- Fat that kills.
- What’s the deal with detox diets?
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Intro:
Gary tries a new dramatic intro and it fails big time. Sarah and Gary discuss a pizza night success. No cheese pizza is delicious, costs less, and has fewer calories!
W.I.N. #1:
Peter directs a conversation about the detrimental effect of visceral fat. Weight around your belly makes you at a higher risk for heart disease. We also discuss how awful the BMI is as an indicator of health. Using the BMI, Peter is considered obese even though he has less than 10% body fat. The key takeaway is that stomach fat is a good indicator of underlying visceral fat and can be deadly.
W.I.N. #2:
Gary leads a discussion about unconscious wakefulness and how the results of bad sleep can be deadly, especially in women. The team talks about ways to improve sleep to avoid unconscious wakefulness. The most important thing you can do to improve your sleep is to reduce noise and light pollution.
W.I.N. #3:
Sarah read a great article about detox diets. After lots of jokes, the article and hosts decide that detox diets are useless and encourage people to adopt a long-term sustainable healthy diet. A detox may be a way to start, but it’s not sustainable.
Resources Mentioned In This Episode:
- Body Worlds Exhibit
- Why We Sleep, Matthew Walker PhD
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- YouTube
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Show Summary:
In episode 011, we discuss our Pillars of Fulfillment.
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Win/Fail:
In our win/fail segment, Gary learns to be gracious, Sarah received a compliment well, and Peter has put his family on an electronic detox.
Main Discussion:
Next, we dive into our topic of the day, “Pillars of Fulfillment”
Our discussion in this episode is about what fulfills each of us and how they differ amongst us. Sarah is fulfilled by independence, adventure, and creativity. Peter is fulfilled by play, finding his tribe, and having a growth/positive mindset. Gary is fulfilled by lifelong learning, mindfulness, and financial independence.
Listener Feedback:
The Fat & Broke team then moves on to fan feedback from the show and the gettingfatgoingbroke.com blog. Jazz is back and enjoyed the post on fulfillment. She includes what fulfills her including gratitude which is one we plan to explore more.
Key Topics:
- Fulfillment
- Independence
- Adventure
- Creativity
- Play
- Tribe
- Mindset
- Learning
- Mindfulness
- Financial Independence
- Gratitude
Resources Mentioned In This Episode:
- Gettingfatgoingbroke.com
- Digital Minimalism, Cal Newport
Follow Us:
- Website
- YouTube
- RSS
Show Summary:
In this week’s What Is Now (W.I.N.) episode, we discuss:
- Do 50 million people in the U.S. really have chronic pain?
- 20 habits keeping you from being a millionaire.
- 10 food and beverages that may be causing you anxiety.
- 4 nutrition lies you may believe.
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Intro:
Welcome to an early bird edition of W.I.N. We record this episode at 6 am on a Saturday. Our intro discussion revolves around Sarah’s well-deserved vacation that she just returned from.
News Item #1:
An article on CNBC states that 50 million people in the United States suffer from chronic pain. We discuss our thoughts around this and debate its validity.
News Item #2:
An article from US News and World Report lists 10 foods and beverages that may be causing you anxiety. Sugar, caffeine, alcohol, and processed foods lead the way.
News Item #3:
An article from entrepreneur.com lists 20 habits that may be keeping you from being a millionaire. Surprisingly, only 4 of those habits are specific to money management. We discuss the habits and mindset of a millionaire.
News Item #4:
Peter reviews an article that lists 4 common nutritional myths. We discuss whether or not we believe any of those myths and why they are not true.
Resources Mentioned In This Episode:
- gettingfatgoingbroke.com
- Think & Grow Rich, Napoleon Hill
- Magic of Thinking Big, David J. Schwartz
- Secrets of a Millionaire Mind, T. Harv Eker
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- Website
- YouTube
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Show Summary:
In episode 009, we discuss The Perfect Snatch and what makes an optimal work culture.
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Win/Fail:
In our win/fail segment, Gary is putting crap in his mouth, Sarah paid off debt, and Peter is torturing people on the air bike.
Main Discussion:
Next, we dive into our topic of the day, “The Perfect Snatch”
Our discussion in this episode is about what makes an optimal work culture. The team talks about how Gary learned to think about work culture and how did he come to create the work culture we all share at our job. We talk about starting with the end in mind, just cause, trust, not compromising, being your culture, and changing your culture. The conversation is a good one with a focus on valuing culture and your just cause above all else.
Listener Feedback:
The Fat & Broke team then moves on to fan feedback from the show and the gettingfatgoingbroke.com blog. CJ wrote on our post about changing behavior. He enjoyed the post and is working on using Mint more. Gary offered to help.
Key Topics:* Work Culture * Just Cause * Starting With The End In Mind * No Compromise * Values
Resources Mentioned In This Episode: gettingfatgoingbroke.com * Can’t Hurt Me, David Goggins * The 7 Habits of Highly Effective People*, Stephen Covey
Call To Action: Website: http://www.gettingfatgoingbroke.com * Facebook: https://www.facebook.com/gettingfatgoingbroke * Instagram: https://www.instagram.com/gettingfatgoingbroke/* * Twitter: https://twitter.com/getfatandbroke * YouTube: https://www.youtube.com/channel/UCp1aYWLbnm9e8F1o0eSJvqQ * RSS: https://thefatbrokepodcast.buzzsprout.com/
Show Summary:
In this week’s What Is Now (W.I.N.) episode, we discuss:
- health facts and fiction
- why breathing may be the most important thing we do during a pandemic
- 7 fitness mistakes you may be making.
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Intro:
Welcome to W.I.N. after dark! We record for the first time at night and Sarah really has to poop!
News Item #1:
Sarah reviews 7 fitness mistakes we may be making and Peter and Gary respond to each.
News Item #2:
Gary talks about the importance of nose breathing for overall health and why it is specifically crucial in fighting COVID-19. The 3 hosts agree to a breathing challenge.
News Item #3:
Peter has a list of health facts and/or fiction and Sarah and Gary respond to each.
Resources Mentioned In This Episode:* Gettingfatgoingbroke.com * Breath, James Nestor
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Show Summary:
In episode 007, we discuss student loan forgiveness as a metaphor for the idea of the victim mentality.
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Win/Fail:
In our win/fail segment, Gary is mad that he didn’t get Biden Bucks, Sarah went on her first hike, and Peter
Main Discussion:
Next, we dive into our topic of the day, “It’s Your Debt, Pay It!”
Our discussion in this episode is about the victim mentality and lack of accountability that is pervasive in our society today. We use student loan forgiveness as a metaphor to further the discussion. The underlying message is that we control our lives and the mindset around what happens to us even though we can not control what happens to us.
Listener Feedback:
The Fat & Broke team then moves on to fan feedback from the show and the gettingfatgoingbroke.com blog. Jess asks a question about protein powder that Peter has no answer for and Carolyn commented on one of our blog posts and talks about making her own pasta which we all agree sounds amazing!
Key Topics:* Victim Mentality * Accountability * We can’t control what happens to us but we can control how we react to it * Biden Bucks * Stimmy
Resources Mentioned In This Episode:* Gettingfatgoingbroke.com * http://www.gettingfatgoingbroke.com/what-eating-for-health-looks-like/ * http://www.gettingfatgoingbroke.com/my-top-5-reasons-to-eat-at-home/
Call To Action: Website: http://www.gettingfatgoingbroke.com * Facebook: https://www.facebook.com/gettingfatgoingbroke * Instagram: https://www.instagram.com/gettingfatgoingbroke/* * Twitter: https://twitter.com/getfatandbroke * YouTube: https://www.youtube.com/channel/UCp1aYWLbnm9e8F1o0eSJvqQ * RSS: https://thefatbrokepodcast.buzzsprout.com/
Show Summary:
In this week’s What Is Now (WIN) episode, we discuss: video games as a cure for ADHD, Texans need a 46% raise to be happy, what is the happiest country in the world and are humans born to be lazy?
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Intro:
Quick hello, Peter is hairy, and we get right into the episode.
News Item #1:
The World Happiness Report for 2020 was released. We learn that people are still happy, Finland is the happiest country in the world, and the U.S. is 14th. The report also shows that benevolence matters more than money, employment matters, and the pandemic did not change what makes us happy at work.
News Item #2:
Texans say that they need a 46% raise to be happy. We talk about whether or not money can buy happiness and if you can live a happy life on a lower salary. The article also talks about some Covid trends around what makes people happy now.
News Item #3:
The USDA has approved a video game therapeutic for ADHD treatment. This game can be prescribed by doctors. We talk about the good and bad of using a video game to treat children with ADHD.
News Item #4:
The study of grizzly bears proves that humans are born to be lazy. We discuss whether or not this is true and if Peter will now give us the approval to stop exercising and just be lazy the way we were meant to be.
Resources Mentioned In This Episode: gettingfatgoingbroke.com* * https://www.endeavorrx.com/
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Show Summary:
In episode 005, we discuss Peter’s foray into hormone replacement therapy and make sure he is being accountable and honest.
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Win/Fail:
In our win/fail segment, Sarah is making her own nut butter, Peter saved $2000, and Gary will be educating young financial minds.
Main Discussion:
Next, we dive into our topic of the day, “Peter Is On Roidz!”
Our discussion covers a broad range of information from what is HRT/TRT, why is Peter doing it, and what has he gained from it. We also talk about other ways to feel better every day without needles. Peter also opens up about mental and sexual health.
Listener Feedback:
The Fat & Broke team then moves on to fan feedback from the show and the gettingfatgoingbroke.com blog. Jazzy comments on Peter’s post about HRT/TRT so we discuss her feedback.
Key Topics:* Peter is on Roidz * What is Hormone Replacement Therapy * HRT/TRT * Mental Health * Confirmation Bias * Honesty * Accountability * Sexual Health
Resources Mentioned In This Episode: Gettingfatgoingbroke.com * http://www.gettingfatgoingbroke.com/my-hormone-replacement-therapy-experiment/*
Call To Action: Website: http://www.gettingfatgoingbroke.com * Facebook: https://www.facebook.com/gettingfatgoingbroke * Instagram: https://www.instagram.com/gettingfatgoingbroke/ * Twitter: https://twitter.com/getfatandbroke * YouTube: https://www.youtube.com/channel/UCp1aYWLbnm9e8F1o0eSJvqQ * RSS: https://thefatbrokepodcast.buzzsprout.com/*
Show Summary:
In this week’s What Is Now (WIN) episode, we discuss Krispy Kreme poisoning America, a 75 year Harvard study that reveals the secret to success, and is Tik Tok the future of personal finance?
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Intro:
Sarah sounds like a raptor as we start the show. We describe our new weekly show, What is Now.
WIN #1:
Krispy Kreme is giving out free donuts while at the same time new research is showing that certain health risks and food affect your immunity and the effectiveness of the vaccine.
WIN #2:
A 75 year Harvard study reveals that the key to a successful life is close personal relationships. The team discusses how obvious this may seem to some but not all.
WIN #3:
An article says that Tik Tok is the future of personal finance. We discuss how scary this is and how gameifying money can be dangerous.
Key Topics:* Covid-19 * Krispy Kreme * Vaccine * Metabolic Syndrome * Harvard * Relationships * Happiness * Tik Tok * Personal Finance
Resources Mentioned In This Episode:* gettingfatgoingbroke.com
Call To Action: Website: http://www.gettingfatgoingbroke.com * Facebook: https://www.facebook.com/gettingfatgoingbroke * Instagram: https://www.instagram.com/gettingfatgoingbroke/* * Twitter: https://twitter.com/getfatandbroke * YouTube: https://www.youtube.com/channel/UCp1aYWLbnm9e8F1o0eSJvqQ * RSS: https://thefatbrokepodcast.buzzsprout.com/
Show Summary:
In episode 002, we introduce Sarah as our third co-host. Sarah is our social media director and a good friend. We are excited that she agreed to join us as a regular contributor to the show.
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Win/Fail:
In our win/fail segment, Gary talks about a family fail relating to the podcast and blog, Peter discusses a tax fail, and Sarah talks about her big win joining The Fat & Broke Podcast.
Main Discussion:
Next, we dive into our topic of the day, “It’s Not OK to be Fat & Broke.” The conversation looks at the stories we tell ourselves, growth vs. fixed mindset, permission to start, being kind to ourselves when we fail, and the need to fail.
Listener Feedback:
The Fat & Broke team then moves on to listener feedback from a caller, Dino Nugz! Nugz has some feedback for Peter that we dive into for his reaction.
Key Topics:· It’s not OK
· The stories we tell ourselves
· Mindset: Growth vs. Fixed
· Permission to Start
· Be Kind
· Fail!
Resources Mentioned In This Episode:· gettingfatgoingbroke.com
· Mindset byCarol Dweck
· Deep Workby Cal Newport
· Black Box Thinking by Matthew Syed
Call To Action· Website: http://www.gettingfatgoingbroke.com
· Facebook: https://www.facebook.com/gettingfatgoingbroke
· Instagram: https://www.instagram.com/gettingfatgoingbroke/
· Twitter: https://twitter.com/getfatandbroke
· YouTube: https://www.youtube.com/channel/UCp1aYWLbnm9e8F1o0eSJvqQ
· RSS: https://thefatbrokepodcast.buzzsprout.com/
Show Summary:
In episode 003, we provide ways for our listeners to take action TODAY to be less fat and less broke.
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Win/Fail:
In our win/fail segment, Gary recounts a win for the first time as he celebrates a happy occasion for one of his friends, Peter has a win related to patient feedback at work, and Sarah goes with a fail on social media.
Main Discussion:
Next, we dive into our topic of the day, “Less Fat, Less Broke.”
The discussion begins focusing on health and nutrition as Peter talks about calories in and calories out. We get into the general science behind healthy eating and weight loss and the struggles that come with it. The team offers some tips such as tracking, helpful apps that may help people start better habits.
The conversation transitions to money as Gary also talks about tracking, building a gap, and saving first. As the discussion progresses, we highlight the similarities between healthy food and money habits.
Listener Feedback:
The Fat & Broke team then moves on to listener feedback from a commenter on the blog. Jon H wrote in and compared Gary to Howard Stern. Gary agrees.
Key Topics:· Calories In/Calories Out
· Healthy Eating
· Exercise
· Tracking
· Money In/Money Out
· Build A Gap
· Save First, Then Spend
Resources Mentioned In This Episode:* gettingfatgoingbroke.com * Lose It App * Apple Cider Vinegar Cleanse * Pressed Juicery * Wholefoods 365 * Squeezed Juicery * Calorie Calculator
Call To Action:· Website: http://www.gettingfatgoingbroke.com
· Facebook: https://www.facebook.com/gettingfatgoingbroke
· Instagram: https://www.instagram.com/gettingfatgoingbroke/
· Twitter: https://twitter.com/getfatandbroke
· YouTube: https://www.youtube.com/channel/UCp1aYWLbnm9e8F1o0eSJvqQ
· RSS: https://thefatbrokepodcast.buzzsprout.com/
Show Summary:
In the premiere of The Fat & Broke Podcast, Peter and Gary discuss their own fears around starting a new Podcast. They each list 5 fears and have a discussion of each fear and how they have or will overcome them.
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Additionally, Gary & Peter introduce their first show segment: Win or Fail of the Week. During win or fail, each host discusses a win or fail from the week and the co-host gets to decide if they agree with it as a win or fail. In this episode, Peter discusses skipping a workout this week and Gary relays a story about how he dealt with a grieving friend. Tune in to see the reaction to both.
Key Topics:· Call to action
· Intro
· Bro talk
· Win or fail
· 5 fears discussion
· Call to action
· Outro
Resources Mentioned In This Episode:· gettingfatgoingbroke.com
Call To Action:· Website: http://www.gettingfatgoingbroke.com
· Facebook: https://www.facebook.com/gettingfatgoingbroke
· Instagram: https://www.instagram.com/gettingfatgoingbroke/
· Twitter: https://twitter.com/getfatandbroke
· YouTube: https://www.youtube.com/channel/UCp1aYWLbnm9e8F1o0eSJvqQ
· RSS: https://thefatbrokepodcast.buzzsprout.com/
Helping ourselves and others achieve better physical, mental, and financial health.
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