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

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:

1. Housing
2. Employment
3. Transportation
4. Budgeting
5. Investing/Saving
6. Insurance
7. Health/Wellness
8. Personal Development
9. Student Loans
10. Life!

Resources:

• The Dirty Dozen Test

In today’s Fat & Broke Mastermind Group…

We discuss:

• Best Laid Plans
• Going Hard
• Growing Together

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Intro:

Peter went to a wedding and was exposing himself as usual!

Headline Of The Week:

How Long Does It Take To Double Your Money

Mastermind 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.

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:

1. Get into a low (250-500) caloric deficit.
2. Eat whole foods 90% of the time.
3. Weight training to improve metabolism.
4. Leverage habit-stacking and identify/eliminate triggers.
5. Have a post-weight loss plan to avoid rebound.

To learn more about the steps above, listen to the show!

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)

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:

1. Track
2. Build A Gap
3. Make A Plan
4. Execute & Automate
5. Stay The Course
6. Don’t Add More Debt

To learn more about the steps above, listen to the show!

Resources:

• Mint
• YNAB
• Undebt.it

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)

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

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

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)

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

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

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

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.

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

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.  :)

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

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.

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

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.

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

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

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

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

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

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

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:

1. I wish I'd had the courage to live a life true to myself, not the life others expected of me

2. I wish I hadn't worked so hard

3. I wish I'd had the courage to express my feelings

4. I wish I had stayed in touch with my friends

5. 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)

Welcome to the Fat & Broke mastermind group.  In today’s session…

We discuss:

• The Softening of Our Society
• Happy G-Tober!

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Headline Of The Week:

Many young people shouldn't save for retirement, says research based on a Nobel Prize—winning theory

Mastermind Group Topics:

Sarah:

None

Peter:

A new report from MIT sets Peter off.  We discuss the softening of society and why it makes Peter so mad.

Gary:

Happy G-Tober!  We discuss what G-Tober is, why Gary does it, and what benefit it serves other than making Peter mad.

Resources Mentioned In This Episode:

• None

Fan Feedback:

• None

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

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

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

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 Explained

In 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 education

I 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

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?

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

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

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:

1. Financial
2. Tax
3. Medical
4. Employment
5. Child
6. Estate
7. Criminal
8. 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

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

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.

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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....  :)

Doug's Bio

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

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

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:

1. 55% of Americans don't use all of their PTO.
2. Top reasons for not using PTO:
   1. I don't want to come back to a lot of work
   2. No one else can do my job
   3. I can't afford it
   4. Want to save the days

Work Tips:

1. Set boundaries
2. Turn off your email
3. Establish accountability partners
4. Plan to make sure you use your days
5. Celebrate time off at work to develop a culture that promotes using PTO

Money Tips:

1. Include it in your budget
2. If you don't like to spend on vacation, don't look
3. Use credit card points
4. Avoid monthly debt traps, so you have money to save for a vacation
5. Utilize low-cost or staycations

Health Tips:

1. Schedule daily exercise
2. Stay in a walkable community and walk
3. Limit eating out to 1x/day
4. Eat at local markets and/or go grocery shopping
5. Establish a routine 

Resources:

• Trek Simple

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?):

1. Shower in your underwear
2. Use an old calendar
3. Snip the end of the toothpaste tube
4. Eat other people's leftovers and/or roadkill
5. Drive slow
6. No spontaneous fun
7. Cold showers
8. Avoid using the oven
9. Boil egg in tea water
10. Sleep in thermals with hot water bottles and a sleeping bag
11. 2-minute showers
12. Don’t flush

10 Depression Era Money Saving Hacks:

1. Grow your own food
2. Cook your own food
3. Retro entertainment
4. Fix it yourself
5. DIY
6. Use every last drop
7. Get neighborly-borrow, share food, etc.
8. Re-use and re-purpose
9. Get a job
10. Go manual (dishes, laundry, etc.)

Resources Mentioned In This Episode:

• Extreme Frugality
• 10 Depression-Era Hacks
• Headline Of The Week:  Standing On 1 Leg 

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:

1. Abundance vs. Scarcity.
2. Her 12 money mindsets.
3. Relationship between health and money.
4. Is money bad?
5. Do you need money to have an abundant life?
6. Net-worth vs. Self-worth.
7. Mindfulness and money.
8. The importance of self-care.
9. How being charitable can improve your finances.
10. Designing your life.
11. Building a team to support you.
12. Building resilience.

Resources:

• Joyce Marter’s Website
• The Financial Mindset Mix, Joyce Marter

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:

1. Strawberries
2. Spinach
3. Kale
4. Nectarines
5. Apples
6. Grapes
7. Peppers
8. Cherries
9. Peaches
10. Pears
11. Celery
12. Tomatoes

The Clean Fifteen:

1. Avocados
2. Corn
3. Pineapple
4. Onions
5. Papaya
6. Sweet Peas
7. Asparagus
8. Honeydew Melon
9. Kiwi
10. Cabbage
11. Mushrooms
12. Cantaloupe
13. Mangoes
14. Watermelon
15. Sweet Potatoes

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Resources Mentioned In This Episode:

• Environmental Working Group

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:

1. Which of the hosts will live the longest?
2. Do we want to know when we will die?
3. How does knowing our death date help us better live in the now?
4. How does knowing your estimated life span help you plan for the future?
5. Live like you were dying.

Resources:

• Living to 100
• The Final Countdown App
• Die With Zero, Bill Perkins

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:

1. Being To Clingy
2. Having An Ulterior Motive
3. Being To Competitive
4. Teasing Or Insulting Banter
5. Using Your Friend As A Therapist
6. Gossiping About Your Friend
7. The One-Sided Friendship

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Resources Mentioned In This Episode:

The Lion Trackers Guide To Life, Boyd Varty

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

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:

1. How to be more fulfilled by doing less.
2. What is a not-to-do list?
3. How to make a list like this?
4. How to go from good to great as a person?
5. What things have we already stopped doing?
6. What things would we like to stop doing going forward?

Resources:

Good To Great, Jim Collins
Tim Ferriss Not-To-Do List

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

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:

1. Most common money mistakes that couples make.
2. Should partners combine their money?
3. The best way to talk about money.
4. The pizza box money talk.  How to find common ground.
5. The importance of discussing money BEFORE marriage.
6. Who's debt is it?
7. 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!

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

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:

1. How much has the market dropped?
2. Why has the market dropped so much?
3. How does this compare to prior “crashes?”
4. Where will the market go next?
5. What should you do with your money now?
6. How should you plan for the next market downturn?

Resources:

• The Retirement Manifesto

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

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

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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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

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

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

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

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

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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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

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.

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

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:

1. 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!
2. 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:

1. 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:

1. 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.
2. 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:

1. Jackie wrote in to the show giving us some great tips on email cybersecurity.
2. 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

“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!"

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!

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

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:

1. Want to learn how to trigger your happy hormones voluntarily?  Sarah walks us through some tips to be happier.
2. 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:

1. Have you ever fallen for clickbait?  We all have.  Peter gives examples of some familiar stupid fitness headlines designed to get us to click.
2. 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:

1. 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.
2. Gas prices are out of control!  We discuss some possible relief that might be heading our way regarding gas vouchers and suspended gas taxes.

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

*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

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:

1. Allowance starts in Kindergarten and ends at 11th birthday.

1. $1 for every year old. Ex, $6/mo for a 6-year-old
2. Stops on their 11th birthday.

2. Learns about needs v. wants.

3. Child has the ultimate say for what they spend their money on.

4. Family Chores are expected.

Parent contribution:

1. 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:

1. 100% savings match
2. Pay a late fee of $1/week if we are late paying allowance - teaches them about late fees
3. 6 free Therapy Sessions to fix mistakes we make :)

Phase 2:  11 y.o.-15 y.o.

Child Responsibilities:

1. Everything from the previous phase.

2. Start working bigger jobs for money

1. For neighbors: walking dogs, mowing lawns, babysitting, etc.
2. 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.
3. Bigger Life Skills training happens here like grocery shopping.

3. They help pay for bigger things:

1.  50% of camps up to $200.
2. Broken/lost retainers, etc.

Parent Contributions:

1. Teach about Loans

1. Will give HIGH-interest loans (50-100% - make it painful)

2. Teach about Contracts (*Rachel/Emily loan shark story)

3. Help them find employment.  Teach them about being a good employee.

1. Pay for training
2. Talk to neighbors
3. 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:

1. Everything from previous phases.

2. Pay for gas, oil changes in cars. (motivates them to get a job, and budget $, make/keep mechanic appointment).

3. Call insurance to see what will raise premiums - they pay the increase for a ticket or accident.

Parent Contributions:

1.$250 for school clothes

2. Pay for beat-up car 

1. Insurance
2. Maintenance (they must take it to our mechanic for oil changes.  He keeps an eye on the car for us.)

3. Pay for extracurricular fees/equipment.

4. 100% savings match ends when they graduate from High School.

5. *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:  

1. We have 3 more years we have budgeted for. 

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:

1. 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. 
2. 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:

1. 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.
2. 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:

1. 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.
2. 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 

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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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

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.  

1. He and Jessica’s investments earned more than their salaries last year.
2. 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

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

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:

1. 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.
2. Sarah enlightens us on what little free libraries are and how we can start one of our own.

Peter’s W.I.N’s:

1. 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!
2. 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:

1. 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.
2. 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:

1. None

Resources:

• Little Free Library
• Walmart +
• Broken Heart Syndrome Quiz
• American Express Rewards Checking

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

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

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!

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

• 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:

1. 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.
2. 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:

1. 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:

1. 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.
2. 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:

1. Jessica calls Gary out on not getting his heart and tooth fixed.
2. Stacey calls Peter out for attributing a quote from Thoreau to Joe Rogan.

Resources:

• Mark Cuban Cost Plus Drug Company

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