"I Heard That" (Podcast) with Coach Clarence

Coach Clarence
  • 4.6 (15)
  • Health & Fitness
  • Updated Daily

Facts, Humor, and Fitness: And Honest Dialogue" with Coach Clarence If you're over 40 and ready to level up your health, wealth, and mindset, you're in the right place.I'm Coach Clarence—Certified Mortgage Advisor, Personal Fitness Coach, and someone who's walked the walk. This podcast is for you—the high-performer, the career-pivoting parent, the go-getter who knows there’s more life (and success) after 40.Every week, I bring you real talk, real strategies, and real stories from industry insiders in fitness, finances, and mindset coaching. We’ll dig into everything from: Mortgage strategies and credit repair tips Staying fit over 40 and fighting inflammation Career pivots, personal growth, and building financial freedom Honest, no-fluff conversations to keep you motivatedWhether you're chasing better health, making smarter money moves, or just want to feel good and crush your goals, this show gives you the tools to thrive.No gimmicks. No fluff. Just straight-up facts, humor, and game-changing advice to help you dominate your 40s and beyond.

  1. Don't Buy a House Until You Understand These Hidden Costs

    4d ago

    Don't Buy a House Until You Understand These Hidden Costs

    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.

    14 min
  2. Boss Lady Tina Marie Built an Empire Out of Her Pain

    Jun 25

    Boss Lady Tina Marie Built an Empire Out of Her Pain

    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.

    42 min
  3. First-Time Homebuyer Tips: How to Know If You’re Ready to Buy in Phoenix

    Jun 16

    First-Time Homebuyer Tips: How to Know If You’re Ready to Buy in Phoenix

    Is now actually a good time to buy a house in Phoenix, or should first-time homebuyers wait? In this episode, we break down what today’s market really means for first-time buyers and how to decide if buying now makes sense for your personal situation. We’ll talk about affordability, monthly payment comfort, new construction incentives, builder rate buydowns, first-time homebuyer programs, and why you should never rush into buying without a plan. You’ll also hear a real-world example of how a first-time homebuyer used the right program and a clear plan to purchase a home in just 90 days. Before you let interest rates, home prices, social media, or pressure from a builder make the decision for you, this episode will help you understand what to look at first so you can buy with more confidence. Join our Facebook Group : https://www.facebook.com/groups/fitover40withcoachclarence Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

    14 min
  4. Why the Wealthy Want You to Rent While They Buy Real Estate

    Jun 9

    Why the Wealthy Want You to Rent While They Buy Real Estate

    Are you being told that renting is smarter than buying? Before you sign another lease, you need to understand who really benefits when you keep renting. In this episode, we break down why wealthy investors, landlords, and corporations continue buying real estate while everyday renters are told to “wait,” “rent,” or “avoid buying right now.” We talk about how your monthly rent may be helping someone else build equity, why luxury apartments can quietly keep renters stuck, and how waiting too long could potentially price you out of homeownership. You will also hear a real-world example of someone paying $2,800 a month for a luxury apartment who may have had the ability to buy a home with a backyard and pool using down payment assistance. This episode is not about saying renting is always bad. It is about helping you understand your options, run the numbers, and make a smarter decision for your future. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

    13 min
  5. Can You Afford That House? A 3-Step Payment Formula Before You Buy

    Jun 2

    Can You Afford That House? A 3-Step Payment Formula Before You Buy

    Before you fall in love with a home, know what payment actually fits your life. In this episode, we break down three simple ways to estimate your affordable house payment using your gross income, your current monthly debt, and your desired comfort-zone payment. You’ll learn how the 45% income guideline can give you a quick starting point, then how to subtract existing debt to get a more realistic number before you start shopping. Lets discuss your numbers: https://tidycal.com/coachclarence/30-minute-mortgage-and-credit-consultation-strategy-call20251111195249 Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

    10 min
  6. You Don’t Need a 700 Credit Score to Buy a Home in Phoenix

    May 26

    You Don’t Need a 700 Credit Score to Buy a Home in Phoenix

    Think you need a 700 credit score to buy a home in Phoenix? Think again. In this episode, I break down the truth about credit scores, FHA, VA, USDA, conventional loans, down payment assistance, and Non-QM options. The biggest mistake buyers make is self-disqualifying before they know their real options. Your credit score matters, but it is not the whole story. Lenders also look at income, debt, payment history, affordability, and the right loan strategy. Before you renew your lease or assume you cannot qualify, get the facts. Your future home may be closer than you think. Subscribe for more mortgage tips, homebuying strategies, and real talk about building wealth through real estate. Reach out for more information: https://tidycal.com/coachclarence/30-minute-mortgage-and-credit-consultation-strategy-call20251111195249 Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

    18 min

  7. May 19

    Fear Is Quietly Pricing Buyers Out

    Everybody keeps saying the same thing right now: “Just wait.” Wait for rates to drop. Wait for prices to fall. Wait for the market to get better. But what happens when everybody jumps back in at the same time? In this episode, we talk about the real cost of waiting to buy a home… And why fear might be the thing actually holding buyers back. No hype. No fake urgency. Just an honest conversation about: • Rising competition • Buyer psychology • Market timing • And how to make a smart decision without getting trapped by fear If you’ve been sitting on the fence about buying a home, this episode is for you. If you want a look at your personal situation reachout: clarence.ferguson@ccm.com Download my DIF credit E-book: https://growthpathfinancial.com/diy-599121 Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

    6 min

  8. May 12

    The Housing Market Lie Keeping Buyers Stuck Right Now

    Everybody keeps saying the same thing right now: “Just wait.” Wait for rates to drop. Wait for prices to fall. Wait for the “perfect” time to buy. But what if waiting is actually costing you more? In this episode, we break down the real financial and emotional cost of sitting on the sidelines in today’s housing market. We talk about: • Why lower interest rates could create MORE competition • How waiting can quietly price buyers out • The psychology keeping so many people stuck • Why fear often disguises itself as “being smart” • And how to think clearly when the market feels chaotic This isn’t a hype-filled “buy now” pitch. Some people absolutely should wait. But many buyers are unknowingly making emotional decisions based on headlines, social media fear, and uncertainty… instead of looking at their own long-term goals. If you’ve been stuck between buying now or waiting for the market to change, this conversation will help you look at the situation differently. Because the cost of NOT buying matters too. Hosted by Simplecast, an AdsWizz company. See https://pcm.adswizz.com for information about our collection and use of personal data for advertising.

    6 min
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4.6
out of 5
15 Ratings

About

Facts, Humor, and Fitness: And Honest Dialogue" with Coach Clarence If you're over 40 and ready to level up your health, wealth, and mindset, you're in the right place.I'm Coach Clarence—Certified Mortgage Advisor, Personal Fitness Coach, and someone who's walked the walk. This podcast is for you—the high-performer, the career-pivoting parent, the go-getter who knows there’s more life (and success) after 40.Every week, I bring you real talk, real strategies, and real stories from industry insiders in fitness, finances, and mindset coaching. We’ll dig into everything from: Mortgage strategies and credit repair tips Staying fit over 40 and fighting inflammation Career pivots, personal growth, and building financial freedom Honest, no-fluff conversations to keep you motivatedWhether you're chasing better health, making smarter money moves, or just want to feel good and crush your goals, this show gives you the tools to thrive.No gimmicks. No fluff. Just straight-up facts, humor, and game-changing advice to help you dominate your 40s and beyond.

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