The simplest description of the Diderot Effect is this: “The introduction of a new possession into a consumer’s existence will often result in a process of spiraling consumption.” 


What does this mean? You buy a new car and now you need a new tint job, new rims, a new phone charging cable, new sunshades, etc. That one purchase has resulted in a multitude of purchases that before the initial purchase, were not even on your radar. 


The Diderot Effect is a VERY common spending phenomenon that nearly everyone falls victim too. In this episode, Coach Jill gives examples of how the Diderot Effect might be showing up and she also gives you 7 tips to help you reduce its financial impact. 


Coach Jill's 7 tips to reduce the Diderot Effect

  • Awareness is key.
  • Imagine how the new item will fit in with the rest of your life.
  • Limit temptations.
  • Look for opportunities to borrow, trade, or rent before you buy.
  • Always budget for MORE than you anticipate needing.
  • Set Limits/Pace yourself. 
  • Make linear purchases if possible.



  • Use the app to help you easily unenroll in all of the emails you receive and limit temptation.
  • Read the book: Atomic Habits by James Clear, where he talks more about the Diderot Effect, along with so many other wonderful tips on how to build or break habits.

Did you know that the average American household spends over $200/month on their cable bill? For most of us, that makes cable our most expensive utility. Learn how to save money with streaming by cutting the cable cord in this episode.


Notes from episode:

  • Guest expert (and Jaclyn’s husband) John Wise shares different options for cutting the cable cord that can save you more money than you might have thought possible.
  • Cutting the cable cord does not have to mean that you lose access to sports, local TV, or DVR. In fact, John and Jaclyn have access to all of them.
  • One of the most inexpensive ways to cut the cable cord is to install a rooftop or wall antenna, which will enable you to pick up locally broadcast channels. You can completely eliminate your cable bill by doing that.
  • A more popular option is to use a streaming device (like a FireTV Stick, Roku Stick, Apple TV, Google Chromecast) or a Smart TV and install/subscribe different streaming services (like Netflix, Hulu, YouTube TV, etc.).
  • If you’re not ready to cut the cord, we have a few other suggestions you can try to lower the cost of your cable bill.

Additional tips:

  • If you’re going to install a rooftop antenna, make sure you’re not violating any HOA restrictions in your neighborhood, and you might need to pay someone to help install it for you. 
  • When signing up for streaming services, you can cancel at any time. Pause the ones you aren’t currently using and only pay for what you’re actually watching.
  • We really like YouTube TV for an all-inclusive service because it has unlimited DVR capabilities, and you can watch your recorded shows on all of your devices. Additionally, you can have multiple user accounts so that different users can record their own shows and watch them on separate devices at the same time.


Money is a LIFELONG journey. No matter where you are starting, there will always be something “Next” on the list. When we think about our financial lives, it’s as if we are climbing a mountain. We are always looking up and we can see the next step towards the goal we are working towards, but it’s like the top of the mountain is covered in clouds. Every time we think we must be JUST about to reach the peak, we get through the clouds and discover there is still so much more to go. 

There will ALWAYS be more we are striving for and if we aren’t careful this can lead to frustration It is easy to compare ourselves to others who we see as more successful and think - “they are so far ahead, I will never get there.” So to combat this, we need to manufacture some artificial peaks for ourselves. We need to have a way to measure our progress and recognize that while it still feels as though we are climbing a never ending mountain, we actually HAVE made so much progress and that makes it worthwhile to keep on going!


Notes from the episode:

  • Our brains want to keep us “safe” and “safe” = Familiar. This isn’t actually a good thing if the things we have been doing aren’t getting us the results we want.
  • In order to “retrain” our brains, we need to create positive memories and experiences that relate to our financial wins. 
  • Setting goals or milestones is the first step. We need to have something clearly defined that we are working towards, so we know when we can celebrate!
  • Visual cues and reminders can be extremely useful for positive reinforcement and training our brains to focus on what is most important to us (this is why vision boards are actually so powerful!).
  • Be intentional about using ordinary experiences and turning them into purposeful and intentional ways to celebrate and acknowledge your progress!

Adoption can be one of the most loving and selfless things someone can do. It's fair to say that the foster care system for each state is extremely underfunded and overfilled with children that need loving homes.

Michael and Kelsa made the decision to adopt through the Arizona foster care system almost three years ago and were lucky enough to adopt their son, Alex, on June 14th of 2019.

Many people have asked them about the process as well as the financials for adopting Alex. While each state is different in regards to the foster to adopt programs available, Kelsa and Michael have put together some great talking points about their experience so you can do some initial leg work for your state. 


It’s one of our favorite times of the month! It is time for the FC Beat.

That’s the Financial Coaches Beat, in case you didn’t know, where Jaclyn and Jill are giving you the inside scoop on what’s happening, all things in the Fiscal Fitness world.

And of course our favorite part which is tooting the horns of our amazing clients, sharing the great work that they are doing and celebrating their accomplishments.

You’ve got to tune in for this one!

Meet our newest financial coach at Fiscal Fitness Phoenix, Jaclyn Wise!!!

She wasn't always this awesome at budgeting though. It took some determination to look inside herself to be able to ask for help from a financial coach. And she hasn't looked back.

Today, Jaclyn is sharing the top 5 money mistakes that she has made in the past and provides some strategies and action steps to help you avoid those same mistakes.

Here are Jaclyn's top 5 money mistakes:

  • Money Mistake #1: I blew through my grad party money.
  • Money Mistake #2: I misused my student loans.
  • Money Mistake #3: I struggled in silence (for six years!)
  • Money Mistake #4: We bought way too much house
  • Money Mistake #5: I overspent for the wrong reasons

You can find Coach Jill's Top 5 Money Mistakes here.

And you can find Coach Kelsa's Top 5 Money Mistakes here

What does it mean to be interested vs. invested and how is this showing up for you in your life?

The energy behind these two words and the actions we take are entirely different and in this episode, Coach Jill dives into how being “interested” in something is showing up for you in life and how it is holding you back from creating the life you want.

Notes from episode:

  •  Think about something you have been “interested” in. What does this look like for you? What results are you getting in your life?
  •  Think about something you have “invested” in. How did you show up differently? What was the result of being invested?
  •  How were your actions different between being interested or being invested?
  •  What area of your life are you currently interested in and how can you invest to get the results you are seeking?

Related links:

It’s one of our favorite times of the month! It is time for the FC Beat.

That’s the Financial Coaches Beat, in case you didn’t know, where Kelsa and Jill are giving you the inside scoop on what’s happening, all things in the Fiscal Fitness world.

And of course our favorite part which is tooting the horns of our amazing clients, sharing the great work that they are doing and celebrating their accomplishments.

You’ve got to tune in for this one!

Meet our newest Financial Coach - Jaclyn Wise!
As a former math teacher you might expect budgeting would come easily, but Jaclyn shares she was a mess when it came to budgeting and balancing her own checkbook. Once she started making “real” money, she thought her finance worries would be solved. She was wrong. Six years after graduating college, she found she was still living paycheck-to-paycheck and feeling extremely jealous whenever her friends posted pictures on Facebook of themselves enjoying vacations in exotic places. She scrutinized and antagonized every purchase she made, big and small. Money made her feel all the wrong feelings. 

That was years ago. Today, her life looks a lot different. 

Since investing in financial coaching in 2015, Jaclyn and her husband have made a remarkable amount of progress in five short years. 
Jaclyn shares her story of how she became a financial coach and some of the challenges she has overcome along the way. Jaclyn has a heart for financial coaching and wants you to see the all of the possibilities in life too. She is on a mission to help you reach the goals you have in life. Even the ones that seem out of reach right now. The thing is they’re not. Jaclyn cannot wait to show you how much closer you are than you think. 

Knowing your income and expenses are important.

But just as important are numbers that show you the bigger picture of your financial situation and that’s where your Net Worth & Savings Rate come into play.

Kelsa will walk you through how to calculate these, provide some insights as to why you might want to care about them, and even provide some tools for you to use!

Notes from episode:

  • Why your savings rate & Net Worth are important numbers to know
  • How to calculate both of these figures
  • Pros & cons of using these numbers
  • Next steps once you’ve gained awareness of these figures
  • How to improve & strengthen your net worth & savings rate




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