The Fat & Broke Podcast

Latest Episodes:

122 | Stacey Taylor | Insure This, Not That | A Show About Insurance & More. Apr 18, 2022

Show notes

Show Summary:

Can you name something you pay for in your life and hope that you never have to use it? Still thinking??? Let me help. The one that comes to mind first is insurance. We all need it. Most of us have many forms of it. BUT we all never hope actually to use it. And when we do use it, we get charged more to keep owning it!! Today, Stacey Taylor, A Farmers Insurance Agency Owner, helps us better understand the many types of insurance available. What do we need? How much do we need? All that and much more on Episode 118 of The Fat & Broke Podcast!

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About Our Guest:

Stacey has been a Personal Insurance professional for over 21 years. She began her career w/ MetLife Auto & Home in January of 2001 in the claims department and advanced her way through various positions. She ultimately left while holding the role of Senior Litigation Adjuster. Stacey transitioned into the sales department in 2010 as a call center sales rep and then opened her own office in Pepperell as a local agent in 2013. She is now a Farmers Agency Owner. Stacey is currently selling to and servicing customers in MA, NH, and ME with a book of business around $1.8M.

Topics Discussed:

Insurance
Auto Insurance
Homeowners Insurance
Life Insurance
Pet Insurance
Umbrella Insurance
Credit Score
Deductible
Rates
Claims
Discounts

Resources:

Stacey's Profile
Stacey Taylor’s Farmers Insurance Website
Stacey’s Email

121 | Win Or Fail Mastermind Group | The Beginner's Mind, Grocery Store Win's, & A Money Win AND Fail? Apr 14, 2022

Show notes

Show Summary:

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

The Beginner’s Mind
Winning At The Grocery Store
A Money Win AND Fail?

The show starts by following up on Peter’s monthly grocery spending. He has implemented many strategies that have proven to be successful. We discuss those strategies as well as what he plans to do going forward.

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Win or Fail Mastermind Group Session:

Peter

Peter has been hacking a local grocery app and getting some great values. He details how he is doing it and how we can all do the same with our local grocery stores.

Gary

Gary discusses the idea of “The Beginners Mind.” We define what this is and how Gary has been trying to implement this with coaching, work, and in all aspects of his life.

Sarah

Sarah finally did her taxes? Who cares? Well, this is important because she normally does it right away because she needs the money. This year she almost forgot about it because she is handling her money so well that she didn’t have the need to get the tax money so quickly.

She also has a fail because she has spent about $1000 on veterinarian bills in the past month with more to come.

120 | Are You Keeping Score? | What Is A Credit Score and Why It Matters. Apr 11, 2022

Show notes

Show Summary:

Do you know what your credit score is? I mean right now, if I asked you, could you tell me your score? For many, the answer to this question is no. In a game that we have all been playing since we were teenagers, many of us or woefully ignorant of our score and the rules of the game. Our goal is to help you understand the rules, win the game, and in the end, save you a LOT of money. Today, we explore the nuance of the Credit Score system and how you can make it work in your favor!

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Factors That Affect Your Credit Score:

Payment History = 35%
Credit Utilization = 30%
Length Of Credit History = 15%
Types Of Credit = 10%
New Credit = 10%

Action Items To Improve Your Credit Score:

Pay On Time
Increase Credit Limit/Line
Don’t Close Old Cards
Get New Cards
Pay Weekly or Bi-Weekly
Become An Authorized User On Someone Else's Card
Dispute Errors
Pay Off Accounts In Collections
Have A Wide Mix Of Credit

Topics Discussed:

What is a credit report?
What is a credit score?
What are the credit score ranges?
What is a good credit score?
What is a bad credit score?
What is a credit score used for and who uses it?
What factors affect a credit score?
How to lower a credit score?
How to raise a credit score?

Resources:

119 | What Is Now | Medical Debt Forgiveness, The Ups and Downs of Gas Prices, Getting Salty, Joy & Vitality, & Surgery Not Required! Apr 07, 2022

Show notes

Show Summary:

In today’s WIN, we discuss:

Medical Debt Forgiveness
The Ups and Downs of Gas Prices
Getting Salty
Joy & Vitality
& Surgery Not Required

Update: Peter’s sauna has been installed and is running. He is very excited! We will revisit this in 3 months to see what physiologic changes have occurred in Peter after sustained sauna usage.

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What Is Now:

Sarah’s W.I.N’s:

Sarah discusses 8 keys to greater joy and vitality. We discuss the 8 keys, some of which we currently implement and others we need to work on. Listen to the show to hear the 8 keys!
Peter loves salt! Sarah gives us some of the many benefits of salt other than its use in food preparation. Gary and Peter are amazed at what salt can do.

Peter’s W.I.N’s:

Peter discusses some recent research that indicates many surgeries are not necessary and that long-term outcomes are actually better without surgery and by using conservative management. We discuss our own experiences with this as Physical Therapists and give our own recommendations to our listeners.

Gary’s W.I.N’s:

The major credit bureaus made an announcement recently changing the way that medical debt will be reported on credit reports. We discuss these changes and why they are a good thing for the American people.
A listener sent us an email asking why gas prices rose so quickly when oil prices went up but have since dropped slowly even though oil prices have dropped significantly. Gary explains the concept of “rockets and feathers” and gives some reasons why this phenomenon occurs. Hint: some of it is greed!

Fan Feedback:

Jackie wrote in to the show giving us some great tips on email cybersecurity.
Heather left us a voice memo asking why the medical field in the United States doesn't recommend sauna use more after learning about all of the benefits we discussed in Episode 114.

Resources:

Never Pay the First Bill: And Other Ways to Fight the Health Care System and Win, Marshall Allen

118 | Today, We Are 1! | Memories & Lessons From The Shows First Year Apr 04, 2022

Show notes

Show Summary:

“If you don’t know where you’ve come from, you don't know where you are going.” These are the words of Maya Angelou and the theme of our show today. The Fat & Broke Podcast turns 1, so we are taking some time to reflect on our favorite moments, summarize what we and you should have learned over the past year, and look forward to what is coming next. Welcome to the Fat & Broke Birthday Show!

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Fun Facts:

Total Shows: 122
Hours Spent Making The Show: 1045
Recorded Hours/Minutes: 104.9
Money Made: $0
Downloads: 24,000
Fights: Many Between Sarah & Gary
Family Members That Hate Gary: A Lot
Most Listened To Episode: 106 | Dr. Brian DiGiovanni | Raising Kids In The Age Of Technology
Interviews: 14

Shows Referenced:

117 | Win or Fail Mastermind Group | Gary's Credit Card Hack, Peter's a Creep, & Sarah Appreciates Mar 31, 2022

Show notes

Show Summary:

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

Gary has adopted a new credit card hack
Peter is a creep
Sarah Appreciates

The show starts by Peter calling out Gary for a horrible week. His sleep has been disrupted this week which led to poor cognition, diet, exercise, decision making, and a decline in his overall well being.

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Win or Fail Mastermind Group Session:

Peter

Peter has another money fail. Over the past year, he has experienced lifestyle creep. Specifically his monthly food bill has risen from $1000/mo to $2600 in February of 2022. We discuss how this happened and how he and his wife plan to fix it.

Gary

Gary has started paying his credit cards weekly. Doing this has created an odd sense of accomplishment for him, along with improving his credit score by getting more on time payments and lowering his credit utilization.

Sarah

Sarah helps us to appreciate people, experiences, and more in the moment. Specifically, she wants us to tell people how we feel about them while they are in our lives rather than when they are gone. This is great advice Sarah!

116 | Kerry Ann Madden | Empowering ALL Women To Look & Feel Their Best Mar 28, 2022

Show notes

Show Summary:

It is hard to maintain good physical and mental health. It is even harder to do so in a world full of diet culture and body shaming. And it is even harder to do when you are a pre- or post-menopausal woman. Today, we welcome Kerry Madden to the show. Kerry is the creator and owner of KAM Fitness and Nutrition. After struggling with many of these same issues, she went on her own wellness journey to find some answers. She has now opened her own business and is here with us today to share what she found out! All this & more on episode 116 of The Fat & Broke Podcast!

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Action Items/Conclusions:

Lift Heavy Things
Perform High Intensity Interval Training (HIT), Sprint Interval Training (SIT), and Plyometrics
Move Well
Get Adequate Protein & Nutrition
Optimize Your Sleep Hygiene

Topics Discussed:

Wellness
Disordered Eating
Diet Culture
Body Shaming
Menopause
Hormone Replacement Therapy
Nutrition
Fitness
Mental Health

Resources:

115 | What Is Now | Stupid Fitness Headlines, Daylight Savings Time, Re-Pri or Re-Fi, Buy Now-Pay Later, Happy Hormones, Gas Vouchers, & Eye Lies Mar 24, 2022

Show notes

Show Summary:

In today’s W.I.N., we discuss:

Stupid Fitness Headlines
Daylight Savings Time
Re-Pri or Re-Fi
Buy Now, Pay Later
Happy Hormones
Gas Vouchers
& Eye Lies

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What Is Now:

Sarah’s W.I.N.’s:

Want to learn how to trigger your happy hormones voluntarily? Sarah walks us through some tips to be happier.
We take some time to debunk some common eye myths, such as: are carrots the best vegetable to eat for your eyes?

Peter’s W.I.N.’s:

Have you ever fallen for clickbait? We all have. Peter gives examples of some familiar stupid fitness headlines designed to get us to click.
Re-price or Re-finance? Which is better to do? We discuss the difference between the two and which one may be best.

Gary’s W.I.N.’s:

Do you hate daylight savings time? Gary does, and he goes on a rant about it at the start of today’s show. We discuss the negative medical impact that DST has and why it should go away.
Gas prices are out of control! We discuss some possible relief that might be heading our way regarding gas vouchers and suspended gas taxes.

114 | It's Getting Hot In Herre... | The Health Benefits Of Heat Exposure Mar 21, 2022

Show notes

Show Summary:

Some people like it hot and some like the cold. But, did you know there are actual health benefits to both and it's not just a comfort thing? Today, in episode 114 of The Fat & Broke Podcast, we explore the concept of heat exposure, what it is used for, and who can benefit from it.

Is Peter trying to justify the purchase of his sauna? We discuss!

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Action Items/Conclusions:

Sauna bathing is associated with many health benefits, from cardiovascular and mental health to athletic endurance. It is generally considered safe for healthy adults and may be safe for special populations with appropriate medical supervision. Heat stress via sauna elicits hormetic responses driven by molecular mechanisms that protect the body from damage, similar to those elicited by moderate to vigorous-intensity exercise, and may offer a means to forestall the effects of aging.

Topics Discussed:

Heat Exposure
Sauna
Hyperthermia
Anti-inflammatory
Adaptation
Heart disease
Cardiovascular System
Dementia
Heat Shock Proteins
Mental Health
Hormones
Fitness and Performance
Detoxification

Resources:

None

113 | Win or Fail Mastermind Group | Oh The Stories We Tell Ourselves | A Roundtable Discussion Mar 17, 2022

Show notes

Show Summary:

*Update*: Gary survived his intuitive eating challenge for February. He was able to lose weight over the course of the month. However, he lost his challenge to Peter.

In today's mastermind session, we explore the soundtracks in our heads, whether they serve us or not, and how and when to change them.

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Win or Fail Mastermind Group Session:

We deviate from our normal format and decide to have a roundtable discussion about how the stories we tell ourselves can get in the way of progress. We each give a positive and negative “soundtrack” and discuss whether it is serving us now and if not, how we can change it.

Much of the credit for this conversation goes to my long-time friend, Jon Acuff, and his new book “Soundtracks.” Please click the link below to learn more about Jon and his other amazing books, blogs, podcast, and more!

Resources Mentioned In This Episode:

Soundtracks, Jon Acuff
All It Takes Is A Goal

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