The Fat & Broke Podcast

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!Leave A Voice Memo | Review The Show | Follow | Subscribe | NewsletterIntro: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:HousingEmploymentTransportationBudgetingInvesting/SavingInsuranceHealth/WellnessPersonal DevelopmentStudent LoansLife!Resources:The Dirty Dozen Test

Show Summary:In today’s Fat & Broke Mastermind Group…We discuss:Best Laid PlansGoing HardGrowing TogetherLeave A Voice Memo | Review The Show | Follow | Subscribe | NewsletterIntro:Peter went to a wedding and was exposing himself as usual!Headline Of The Week:How Long Does It Take To Double Your MoneyMastermind Group:Gary has to readjust his long-held plans for his son’s college.Peter has refocused on being more disciplined with his health and wellness goals.Sarah discusses the need for second chances and her current relationship with her sister.

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.  Leave A Voice Memo | Review The Show | Follow | Subscribe | NewsletterIntro: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 ClipHow 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 ButtonMisophoniaRandom Acts Of KindnessLeave A Voice Memo | Review The Show | Follow | Subscribe | NewsletterIntro: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 GougingMastermind 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!Leave A Voice Memo | Review The Show | Follow | Subscribe | NewsletterIntro: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 quicklyHow To Pay Down Debt:TrackBuild A GapMake A PlanExecute & AutomateStay The CourseDon’t Add More DebtTo learn more about the steps above, listen to the show!Resources:MintYNABUndebt.it

Show Summary:Welcome to the Fat & Broke mastermind group.  In today's session…We discuss:The NetworkMo Money, No ProblemsThis Old HouseLeave A Voice Memo | Review The Show | Follow | Subscribe | NewsletterIntro: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 TipsMastermind 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.Leave A Voice Memo | Review The Show | Follow | Subscribe | NewsletterIntro:We are recording during an arctic blast with temperatures dipping to minus 40 degrees.  Headline Of The Week:Amazon Launches A Subscription Prescription Drug ServiceAmerica’s Loneliness Crisis:Stats:29% of households are one person36% of Americans feel lonely61% of young adults feel lonely51% of moms with young kids feel lonelyLoneliness increased with CovidEffects of Loneliness:Earl DeathDepressionAnxietyHeart DiseaseSubstance AbuseEquivalent To Smoking 15 Cigarettes A DayLoneliness Defined:A Gap between the level of connectedness that you want and what you haveCauses:CovidTechnology/InternetWork From HomeSocial MediaJob Changes/RelocationSolutions:CounselingHobbiesReaching OutCommunity EventsReligionVolunteeringResources:Rx Pass–Amazon Pharmacy

Show Summary:Welcome to the Fat & Broke mastermind group. In today's session…We discuss:Worth The CallStatus SymbolsTrivia NightLeave A Voice Memo | Review The Show | Follow | Subscribe | NewsletterIntro:None.  Right into this week's headline.Headline Of The Week:Financial Literacy Cost 15% Of Adults $10000 in 2022Mastermind 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!!!Leave A Voice Memo | Review The Show | Follow | Subscribe | NewsletterIntro:NoneHeadline Of The Week:Stanford Study Reveals Secrets to Sustainable Weight Loss: Behaviors and Biomarkers ExposedFirst To $1000:GaryCut 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)SarahUse 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)PeterAdd 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:DopamineLeave A Voice Memo | Review The Show | Follow | Subscribe | NewsletterIntro:None!  We get right into the Headline Of The Week.Headline Of The Week:National Quitting DayBlue MondayMastermind 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 CsikszentmihalyiMindset, Carol DweckThe Molecule Of More, Daniel Z. Lieberman MD, Michael E. LongHuberman 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!  Leave A Voice Memo | Review The Show | Follow | Subscribe | NewsletterIntro:We review episode 170 and move right into part 2 of our systems approach to better every day.Health Systems:NutritionFood PrepShop 1x Per Week If PossibleDon’t Bring Foods You Don’t Want To Eat Into The HomeFocus On High Volume & Low Caloric Density FoodsPhysical ActivityPick # Of Days You Want To Exercise.  Make It AchievableShould Be Anything You Enjoy That Makes You MoveBe ConsistentMake It Fun.  Do It With Friends, Group Challenges, Or Whatever Keeps You AccountableEarn Your “Down” TimeReduce The Barriers To Starting By Planning AheadFocus On Process Over ResultsSustained Compliance = Compounding ResultsSleepConsistent Bed TimeWork Backwards-When You Need To Wake Up Minus Hours Of Sleep Needed = BedtimeReduce Temperature, Noise, & LightPlace Phone Across RoomAvoid Large Meals Close To BedtimeAvoid Alcohol Within In A Few Hours Of BedtimeCreate A Morning Routine You Like So You Look Forward To Going To BedSocialPick The 5 People You Want To Spend Time WithSet Reminder For Weekly Check-InsSet Game Nights, Dinner Nights, Or Some Other Regular GatheringResources:Atomic Habits, James ClearAlly Bank Saving Buckets & BoostersTodoistWhy We Sleep, Matthew WalkerCalm AppApple FitnessLose ItMake 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!Leave A Voice Memo | Review The Show | Follow | Subscribe | NewsletterIntro: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 FeedbackMoney Systems:Track Your FinancesCreate A Money Flow ChartAutomate As Many Of The Steps In The Chart As PossibleUse Direct DepositEnroll In Workplace Retirement Accounts & Have It Automatically DeductedCreate Multiple Bank Accounts For Savings, Fixed Bills, Variable Bills, & OtherUse 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 VehiclesDecide On A Debt Paydown Strategy And Set Up Automatic Payments To Fit Your Plan (Snowball vs. Avalanche)Resources:Atomic Habits, James ClearAlly Bank Saving Buckets & BoostersTodoistWhy We Sleep, Matthew WalkerCalm AppApple FitnessLose ItMake 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 DayLeave A Voice Memo | Review The Show | Follow | Subscribe | NewsletterIntro:None!  We get right into the Headline Of The Week.Headline Of The Week:The Secure 2.0 Act Of 2022Mastermind 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.  Leave A Voice Memo | Review The Show | Follow | Subscribe | NewsletterIntro: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. DruckerDeep Work, Cal Newport

Show Summary:Welcome to the Fat & Broke mastermind group.  In today’s session…We discuss:YOLOSaying Thank YouLeave A Voice Memo | Review The Show | Follow | Subscribe | NewsletterIntro:We have fun discussing Sarah’s asexuality. Headline Of The Week:Couch ConfessionsMastermind 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.Leave A Voice Memo | Review The Show | Follow | Subscribe | NewsletterIntro: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:NoneResources:Mr. Money MustacheChoose FI

Show Summary:Welcome to the Fat & Broke mastermind group.  In today’s session…We discuss:Real TalkThe End Of InnocenceHappiness?Leave A Voice Memo | Review The Show | Follow | Subscribe | NewsletterIntro:We talk about the upcoming holidays and when we start decorating.Headline Of The Week:How To Save $500 In 30 DaysMastermind 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.Leave A Voice Memo | Review The Show | Follow | Subscribe | NewsletterIntro: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 SaysEnd 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 EnrollmentRetirementFamily/EstateTaxesMore!Fan Feedback:NoneResources:annualcreditreport.comAmazon FSA Store

Show Summary:Welcome to the Fat & Broke mastermind group.  In today’s session…We discuss:A New Life PhaseThe College ProcessLosing My ReligionLeave A Voice Memo | Review The Show | Follow | Subscribe | NewsletterIntro: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: NoneFan 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.