The Fat & Broke Podcast

Latest Episodes:

094 | Jennie Boyer | 10 Tips To Raise Independent Kids Jan 10, 2022

Show notes

Show Summary:

It is safe to say that all parents want their kids to grow up to be gritty, resilient, and independent. Accomplishing this is a whole other story. Today, we bring Jennie Boyer back to the show. If you liked what she had to say about saving money on groceries in episode 78, you will love what she has to say about how she teaches her kids the skills they need to be successful. In today’s show, we will discuss Jennie’s 10 tips for raising strong, independent kids and give examples of how we can all do the same.

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Intro:

We welcome Jennie back to the show and give some background as to her life and family.

Jennie’s Top 10 Tips For Raising Independent Kids:

Purposeful Neglect
Choose your battles – and win the ones you engage in.
Have fun with them/don’t take yourself too seriously. Take time to be present for things that are important to them. They won’t listen if they don’t think you care. They will be too hurt. Poke fun at yourself to show them that life doesn’t have to be so serious. Let them see you fail and how you react.
You need to live what you preach – kids are experts at spotting a hypocrite.
Set expectations and communicate them early and clearly – NO basement dwellers, good grades, kind to each other, money expectations, needs v wants, etc.
Talk about life skills, what they will need to know, how it will impact their lives, ask if they are working on that skill. I do this ad nauseum. My kids HATE this until they move out, and then they are so grateful.
What do THEY want? Ex. Where do they want to go to college? What life skills do they want to learn? What classes do they want to take? What approach do they think will work to get their homework done? Throw in a few of your own by asking the question, “Have you thought about…”
Set aside time to teach skill – expect to teach it 3-7 times; tell them, show them, let them try it with you there. If they think they can do it better another way – let them try. They might be right! (this builds confidence and lets them know you find them capable and are willing to listen to their ideas.)
Let them try – and fail, teach them how to handle the failure. How to get help if I’m not there. If they fail, talk about all they did right, and then help THEM problem solve how they can do it differently next time. Then let them try again.
Let them fly and cheer them on!

Resources Mentioned In This Episode:

The Parenting Breakthrough, Merrilee Browne Boyack
The 7 Habits of Highly Effective People, Stephen Covey
Mindset, Carol Dweck

093 | Win or Fail Mastermind Group | Maximizing Family Vacation Time, Learning New Skills, & Assigning Intent Jan 06, 2022

Show notes

Intro:

No intro. We jump right into the show.

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Win or Fail Mastermind Group Session:

Peter:

Pete takes us through a thought experiment regarding assigning intent to someone's behavior and how that affects our experience at the moment. He suggests that if we remove the common practice of assigning intent, we will find that we get less mad and/or annoyed at the moment. Changing your mindset can change your reactions and actions.

Gary:

Have you ever said “what do you want to do today?” and then ended up doing nothing? It happens to Gary all of the time. So heading into a week off between X-Mas and New Years Day, Gary comes up with a system to make sure this does not happen and that he and his family have a great week off together. To do so, he draws upon the lessons he learned from Folly Beach.

Sarah:

Sarah has decided to get a second job as a bartender. She made the choice to learn a new skill that she can use forever and to make more money to support her current lifestyle. There are two sides to the money-saving/budgeting coin: earn and spend. To properly budget you can either spend less, earn more, or both. Sarah has chosen the earn more side of the coin for now. We also discuss the concept of talent stacking and how that can serve you through life.

Resources Mentioned In This Episode:

The Tail End, Wait But Why, Tim Urban
Mariano’s Ristorante
Soundtracks, Jon Acuff

092 | The Blue Zones | How To Live Forever | Secrets To A Long And Happy Life Jan 03, 2022

Show notes

Show Summary:

Do you want to live forever? OK, well maybe not forever. But are you interested in living a long, healthy, and fulfilling life? It is safe to assume that most people would answer yes to that question. In today’s episode of the Fat & Broke Podcast, we are going to discuss groups of people around the globe who enjoy longer, happier lives than most. These communities are called Blue Zones and today we are going to share their secrets with you.

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Intro:

It’s Christmas Eve as we record this show. We are all back in the studio and ready to go!

Main Discussion:

Today’s show is all about the Blue Zones and what they share in common? Why do these people live for so long and how can we replicate it?

The discovery of the Blue Zones is what changed Peter’s life trajectory. He recounts the story of this, how he found them, and what has changed since that time.

After that, we get into what the Blue Zones are, where are they, and the 9 traits that bind them called the “The Power 9.” We also discuss how far away from the Power 9 we have moved as a country.

Blue Zone Power 9:

Move Naturally
Purpose
Downshift
80% Rule
Plant Slant
Wine at 5
The Right Tribe
Community
Loved Ones

Action Items:

Move as much as you can. Rely less on technology and move more.
Have a sense of purpose daily, especially in retirement.
De-stress! Read, meditate, pray, nap, exercise, or whatever works for you.
Stop eating when you are 80% full. Eating with others and/or eating with chopsticks are some ways to accomplish this.
Eat a diet largely based on plants. Eat meat 1-2x/week and only 3-4 oz when you do.
Moderate alcohol consumption can be good for you. More importantly, doing it as part of socializing is especially beneficial.
Surround yourself with the right people for a happy and fulfilling life.

Resources Mentioned In This Episode:

None

Music Credits:

Fame, Irene Cara, 1980

091 | What Is Now | E-Bikes, Live Longer With Exercise, Rent vs. Buy, Coffee, Sleep Deprivation, & Sleep Tips Dec 30, 2021

Show notes

Show Summary:

In today’s WIN, we discuss:

E-Bikes
Rent, Don’t Buy Your Home
Living Longer
Coffee
Sleep Tips & Sleep Deprivation

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Introduction:

The squad continues remote recording due to Peter’s Covid. We wish everyone a Happy Holiday and then get into the show.

Main Show:

Sarah’s W.I.N’s:

1. Do you drink coffee? Of course, you do. In America, 70% of people drink coffee daily. A recent study looked at coffee consumption and sleep. The results show that coffee and blue light combined have the biggest negative effect on sleep. Some other tips for coffee consumption are not to drink it when you first wake up, have some mid-day, and don’t have any after 3 pm.

2. To top off our conversations on sleep, Sarah gives us tips on better sleep. Here they are:

Keep the room cool. 63-65 degrees is optimal.
Schedule worry time an hour before bed to get it out of the way.
Have a consistent wake-up time.
Get outside first thing in the am to get air and sun. If you can’t, use a sun lamp.
Keep it really dark at night.
Practice gratitude.

Peter’s W.I.N’s:
1. A new study has shown how longer lives are tied to physical activity. In Peter’s ongoing quest to live longer, he continues to find studies that help him do this. The article talks not just about living longer but how to do so while also living well. We also debate whether or not humans are cheating the system and living too long.

2. Peter is obsessed with muscles. He looked into how sleep deprivation affects skeletal muscle growth. Surprisingly, sleep deprivation results in skeletal muscle loss.

Gary’s W.I.N’s:

1. A new bill in Congress would give a 30% tax credit on the purchase of an E-Bike up to $900. We discuss the possible benefits of an E-Bike and whether or not Gary will be getting one.

2. Recently, a CEO of a big company was interviewed and he was discussing why he rents his home instead of owning it. We discuss all of the hidden costs involved in owning a home and the myth of your home as an investment. We also discuss a simple equation you can use to determine whether or not you should rent or own where you live.

Fan Feedback:

None Today

Resources:

Rad Power Bikes

090 | The Credit Card Show | To Points and Beyond! Dec 27, 2021

Show notes

Show Summary:

To points and beyond!! Do you use credit cards for all of your purchases? If the answer is no, have you ever thought about what you could be missing out on? In episode 90 of the Fat & Broke Podcast, we talk about the many benefits that credit cards offer, the rules of the game, who should be using them, and who should not. The benefits of credit cards go well beyond points and can be as simple or complicated as you want them to be. We will help you get started, NEXT!

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Intro:

We are working on quicker intros and topic entry. Peter remains in Covid protocol.

Main Discussion:

Today’s show is all about the many benefits of using credit cards. Gary firmly believes that all purchases should be made using a credit card. If not, you may be throwing away free money and much, much more. Today’s conversation is a deep dive into all of the benefits using a credit card offers.

Before we do that, we layout who should NOT do this. If you have a history of poor use of credit cards, currently have bad debt, or have a history of paying late, this may not be for you. Once you get your full financial life in order, then come back and listen to this episode.

Credit Card Benefits:

1. Points/Cash Back/Sign-On Bonuses
2. Build Credit
3. Purchase Protection
4. Fraud Protection
5. Lounge Access
6. VIP Pre-Sale--Concerts/Events
7. 0% Transfers & Grace Period--Free Borrowing
8. Cell Phone Insurance
9. Free Hotel Nights
10. Free Companion Pass
11. Credits for Services Such as Streaming & More
12. Free Subscriptions--Audible, Panera
13. Free Newspapers
14. Travel Insurance
15. Extended Warranties
16. Car Rental Insurance
17. Free Credit Score/Monitoring
18. Track Your Spending
19. Free Checked Bags
20. TSA Pre-Check/Global Entry
21. Emergency Fund

Key Topics:

See Above

Resources Mentioned In This Episode:

089 | Win or Fail Mastermind Group | COVID-19...WTF! Dec 23, 2021

Show notes

Summary:

It has been two years and we are still dealing with something we all thought would last two weeks! In today's mastermind session, we discuss our current thoughts and emotions around Covid-19, how are we coping, and where do we go from here? Welcome back to The Fat & Broke Podcast!

Intro:

The squad is recording remotely because Peter has Covid! Finally, Mr. Optimal Super Human has succumbed to the virus!

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Win or Fail Mastermind Group Session:

Basically, we just needed to talk it out. With the recent uptick in Covid-19 cases, we discuss our thoughts and feelings about Covid-19. The conversation follows our emotions from two years ago until now and how things have changed over that time. We also discuss what is next for all of us and how are we dealing with it.

We think that it's important to have these conversations because even though living with Covid has become somewhat normal for us, there are a lot of buried thoughts and emotions that are best discussed to allow for healing and progress.

Resources Mentioned In This Episode:

None

Show notes

Show Summary:

She’s baaaaccckkkk! Today we welcome Amie Lake back to the show. It has been 8 weeks since we last spoke to her. During that time she has made a lot of changes and returns today to chronicle her wins and fails. How does she feel and what is next for Amie? All of that and more on today’s show!

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Intro:

We thank Amie for returning to the show and give her the feedback we received from her prior shows. After that, we get into here results.

Main Discussion:

The first half of the conversation is a review of Amie’s plan fr the past 8 weeks along with whether or not she accomplished each thing. We discuss her eating, exercise, and more. In summary, Amie did a great job and achieved the following:

Body Weight: Lost 4 lbs on the scale.
Body Fat: Lost 9.3 lbs of fat.
Body Fat %: Lost 6% body fat.
Muscle: Gained 5.3 lbs of muscle.
Waist Line: Lost 5.5 inches.
Total Body Comp Change: 14.6 lbs

Amie’s Plan/Goals:

To help Amie continue her success, we set forth the following plan and goals for the next 8 weeks:

Continue 1400 calories a week.
Continue exercise 4-5 days/week.
Lose 4 pounds to go from 125 to 121.
Do not weigh in for 8 weeks.
Lose 3% body fat to go from 31.5% to 28.5%.

Key Topics:

Body Fat
Weight
Scale
Diet
Psychology of Eating
Compounding
Deprivation Mindset
Caloric Deficit
Body Composition

Resources Mentioned In This Episode:

Lose It

087 | What Is Now | To Noom, Or Not To Noom? That Is The Question. Dec 16, 2021

Show notes

Show Summary:

There is no shortage of “fad” diets. Keto, South Beach, Atkins, The Whole 30, and many, many more! The latest craze is Noom. We have mentioned Noom on a few of our previous shows, so we decided to try it ourselves. In today’s show, we discuss the good and the bad of Noom. What is at its core? What did we like and not like? Is it different from its predecessors? Does it get the Fat & Broke stamp of approval? That and so much more on this episode of the Fat & Broke Podcast!

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Introduction:

A quick introduction about why we decided to do a show about Noom.

Main Show:

The team all tried Noom for 2+ weeks. We discuss what Noom is all about and our individual experiences with it. We discuss:

The psychology of eating
Caloric density
Caloric deficit
Tracking
Habit formation
Rewards
Streaks
Scales
Behavior chain
Eating disorder
The Fat & Broke Model
Our recommendation

Fan Feedback:

Hi, I have a fitness/weight-loss question. I am 45, am 5’4” tall, and weigh 127. I would like to get back to 120 but am struggling to get there. I work out about 4-5 days a week and usually take walks on the days I don’t go to the gym. I spend most of my workout on strength and do very little cardio. I have a few questions.

1. If I spend 45 minutes in the gym, how much time should be on cardio? What should be my target heart rate during cardio be for weight loss?

2. On my lose it app, I am allowed 1250 calories in order to lose .5 lbs per week. If I burn 250 calories during my workout, should I add those calories to my daily allowance?

3. Are all calories created equal? If I eat 1250 calories of chocolate cake or 1250 calories of lean protein and veggies, does my body look the same?

Thank you for any guidance and please reach out if you need more info.

Love the show!

-Anonymous-

Resources:

Noom

086 | "After the Holidays" | Health, Money, & Life Goals We Slack On This Time Of Year Dec 13, 2021

Show notes

Show Summary:
The goal of today’s show is to identify what type of things we put off until “after the holidays” and provide actionable ways to avoid falling into this common pattern.

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Intro:

We jump right into the show. No chit-chat, just right to the good stuff!

Main Discussion:

The three of us discuss the areas of health, money, and life that we slack on during this time of year.

Many people, including us, have used the phrase “after the holidays” as an excuse to live poorly from October through November. We have a conversation about what these things are, why this happens, and what we can do about it.

Action Items/Talking Points:

We thoroughly cover what end of year moves to make in the following areas:

Health
- Learn to say no.
- Plan your events and limit them to the ones that really matter.
- Make intentional decisions about what to eat/drink when there.
- Eat before you go.
- Use a small plate and make good choices.
- Bring a healthy option.
- Share your health goals with other people.
- Don’t wait for the New Year to start your health goal. Start today.
Money
- Be honest about your financial situation.
- If you have a lot of bad debt, you can’t afford an expensive holiday.
- Create a regular and holiday budget.
- Gifts don’t make the holiday “special.”
- Stay off of social media.
Home
- This is a good time of year to declutter.
- For everything that comes in, get things out.
- Use the declutter as a way to teach your kids about giving.
Relationships
- Spend time with the people who make you happy.
- Cut the cord on bad relationships before the holiday.
- Don’t stay with someone through the holidays just to avoid awkward conversations.
- You don’t have to like your family and you don’t have to spend time with them if you don’t like them.
Work
- Ask for a raise now.
- This is the budget season so ask before Jan 1.
- People are in a good mood, so ask now!

Key Topics:

Triggers
Intentional Decisions
Goals
Habit Stacking
Budget
Do Hard Things
Stress
Guilt
Jealousy
90/10 Rule
Giving
Minimalism
Raise

Resources Mentioned In This Episode:

None

085 | Win or Fail Mastermind Group | Caring For Aging Parents, Reset & Habit Stack, & Building Credit For Kids Dec 09, 2021

Show notes

Intro:

We are back to our traditional win/fail mastermind group format.

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Win or Fail Mastermind Group Session:

Peter:

Peter starts a good discussion about how to care for aging parents. The group discusses the moral, financial, legal aspects that go along with this topic. Ultimately we decide that having open conversations about this with your aging parents is the only way to make sure there is a good plan for all parties involved.

Gary:

Gary has a money win. He has started building credit for his 16 and 13-year-old sons by adding them as authorized users on his credit cards. We then go on to discuss other ways to help your kids improve their credit and financial literacy.

Sarah:

Sarah has got her groove back! Ever since her juice cleanse, she has been back on track and feeling good mentally and physically. Her cleanse was a good resent that allowed her to restart a lot of good habits.

Resources Mentioned In This Episode:

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