"I Heard That" (Podcast) with Coach Clarence

About "I Heard That" (Podcast) with Coach Clarence

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.

Publisher

Coach Clarence

Category

business · education · health & fitness

Language

en

Explicit

No

First episode

10 Aug 2020

Latest episode

6 Oct 2026

Latest episodes

1 of 272 episodes have a transcript.

1. 

   6 Oct 2026

   Your VA Loan Could Be Worth More Than You Think

   Most veterans know their VA benefit can help them buy a home. But what if buying the home is only the beginning? In this episode, I break down a VA loan strategy that many veterans and active-duty service members never hear about—and why thinking only about your next home could cause you to miss the bigger opportunity. We’re talking about VA entitlement, future moves, potential rental properties, multi-unit opportunities, and how one home purchase could potentially fit into a much larger long-term wealth-building strategy. If you've already used your VA loan, don't assume you're done. And if you haven't used it yet, there are some things you may want to know before choosing your first property. Listen to the full episode before making your next move. And if you want to know what your VA options could look like based on your specific situation, reach out and let's run the numbers. https://www.clarenceferguson.com (https://www.clarenceferguson.com) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com (https://pcm.adswizz.com) for information about our collection and use of personal data for advertising.

2. 

   29 Sept 2026

   The Rate Isn’t the Real Problem. The Payment Is.

   ARIZONA REALTORS: Before you recommend another price reduction, let's run the numbers. Mortgage rates moved higher again, and affordability continues to be one of the biggest objections we're hearing from buyers. But here's the question: If your seller is already willing to give up another $10,000, what's the most effective way to use it? Another price reduction? Seller concessions? Closing-cost assistance? A rate buydown? Some combination? There's no universal answer. That's exactly why we need to do the math. In this week's episode, I break down how I'm looking at today's Phoenix market and why agents should be thinking beyond the list price when the buyer's real objection is the monthly payment. Because sometimes: "We love the house, but the payment is too high." Isn't the end of the conversation. It's the beginning of a financing conversation. If you've got a listing that's sitting or a buyer struggling with the payment, send me the scenario. My team can run the numbers and help you evaluate financing strategies around the property. Let's stop guessing and start structuring. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com (https://pcm.adswizz.com) for information about our collection and use of personal data for advertising.

3. 

   22 Sept 2026

   Buy Now, Pay Later Could Be Hurting Your Credit | What Klarna, Afterpay & Affirm Users Should Know

   Buy Now, Pay Later sounds simple. Split your purchase into four smaller payments, make the payments on time, and move on. But if you’re using services like Klarna, Afterpay, Affirm, or other Buy Now, Pay Later options while trying to improve your credit, there are some things you need to understand. In this episode, I explain why making your BNPL payments on time doesn’t necessarily mean you’re building your traditional credit profile the way you might expect. I’ll also share the story of a client who accidentally missed a Klarna payment and eventually found himself dealing with a collection. That’s where a convenient way to make a purchase can potentially turn into a much bigger credit problem. We’ll talk about why Buy Now, Pay Later is so tempting, how multiple small payments can become difficult to track, and why you should think about your overall credit goals before assuming a financial product is helping you build credit. If you’re working on your credit because you eventually want to buy a home, qualify for better financing, or simply get your finances into a stronger position, this episode is for you. Want help understanding what may be holding back your credit? Schedule a consultation with me using the link below. And make sure you subscribe and follow for more straightforward conversations about credit, mortgages, homeownership, and building a stronger financial future. This content is for educational purposes and is not individualized financial, legal, or credit advice. Credit reporting and scoring treatment of Buy Now, Pay Later accounts can vary by provider, credit bureau, and scoring model. https://tidycal.com/coachclarence/30-minute-mortgage-and-credit-consultation-strategy-call20251111195249 (https://tidycal.com/coachclarence/30-minute-mortgage-and-credit-consultation-strategy-call20251111195249) Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com (https://pcm.adswizz.com) for information about our collection and use of personal data for advertising.

Inside a recent episode

Podcast #92 - Take the Lead Bitches!

Published 7 Jun 2022 · Transcript excerpt

[…] You know, it's hard to actually describe. I have sometimes spoken with young women who think that access to birth control is like the air and the water. It's just there. But in truth, it's a fairly recent phenomenon that there has been a reliable way to plan and space your childhood. If you go back to the turn of the 20th century... maternal mortality was incredibly high. I mean, it was not unusual. The reason the life expectancy on average at the turn of the 20th century was about 40-something years old is not that men didn't live to be 70 and 80. It is that women died in childbirth at 30 and 40. […]

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