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Fit Over 40 with Coach Clarence

Fit Over 40 with Coach Clarence

By: Clarence Ferguson
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A weekly talk show about finances, health, and fitness, geared toward those over 40. Facts, Humor, and Fitness an honest dialogue. Coach Clarence is a Certified Mortgage Advisor NMLS #1920746 and also A Personal Fitness and Nutrition Coach of over 3 decades. Tune in weekly for riveting conversation, education, and stories of overcoming obstacles and how to thrive in your 40s and beyond.© 2023 Fit Over 40 with Coach Clarence Economics Exercise & Fitness Fitness, Diet & Nutrition Hygiene & Healthy Living Personal Finance Psychology Psychology & Mental Health
Episodes
  • Don't Buy a House Until You Understand These Hidden Costs

    Don't Buy a House Until You Understand These Hidden Costs
    Jun 30 2026
    In this episode of the "I Heard that!" Podcast, Coach Clarence tackles one of the biggest mistakes homebuyers make: confusing mortgage pre-approval with true affordability. Just because a lender approves you for a certain loan amount doesn't mean it's the right financial decision. Buying a home should help you build wealth—not leave you stressed over every monthly payment. In this episode, you'll learn: • Why being pre-approved doesn't mean you should spend the maximum amount • The real cost of homeownership beyond your principal and interest payment • How property taxes, homeowners insurance, HOA fees, maintenance, and utilities affect your monthly budget • How to determine a comfortable home payment that still allows you to save, invest, and enjoy your lifestyle • Practical strategies to avoid becoming house poor in today's housing market Whether you're a first-time homebuyer, moving up to your next home, or planning to buy in Phoenix or anywhere in Arizona, this episode will help you make a confident financial decision that supports your long-term goals. 🎧 Tune in and learn how to buy a home you can truly afford—not just one you qualify for. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.
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    14 mins
  • Boss Lady Tina Marie Built an Empire Out of Her Pain

    Boss Lady Tina Marie Built an Empire Out of Her Pain
    Jun 25 2026
    Learn how Boss Lady Tina Marie balances successful entrepreneurship with critical advocacy for human trafficking survivors. Coach Clarence hosts this raw conversation with Boss Lady Tina Marie to discuss the reality of building a brand while serving the community. They first crossed paths at an event dedicated to supporting women recovering from domestic violence and human trafficking, sparking a dialogue on how to reclaim one's narrative after crisis. This episode moves past standard business advice to address the mental fortitude required when your professional life intersects with deep social responsibility. Listeners will walk away with practical strategies for maintaining focus on personal goals while engaging in survivor advocacy. Dana Marie explains the specific challenges of entrepreneurship after trauma and how she uses her platform to give others a voice. If you are looking for an honest perspective on professional growth combined with a commitment to social impact, this conversation offers a blueprint for turning past pain into a sustainable business mission. Subscribe for weekly I Heard That Podcast breakdowns, and comment below on which guest or topic you want Coach Clarence to feature next. Find out more about Tina here: https://thewsallc.square.site/ Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.
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    42 mins
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