Cashology by FNBO

Mastering Meal Planning

Episode Notes

It’s time to discuss meal planning with Elyse Lyons, the Savvy Sagittarius. Elyse, celebrated for her no-spend challenges, shares her expertise in meal planning, which she describes as a crucial step toward financial wellness. She explains how meal planning not only helps to reduce grocery bills—one of the most flexible parts of anyone's budget—but also significantly cuts down food waste and prevents impulse buying. 

Throughout the discussion, Elyse provides actionable tips, such as checking one's weekly schedule to align meal preparation with actual available time, and suggests practical tools like digital grocery lists to streamline the process. Learn about using meal planning to foster healthier eating habits, save money, and enjoy stress-free dinners at home. Whether you're a busy parent or merely wanting to be more budget-conscious, Elyse's strategies promise to transform how you approach mealtime and manage your finances.

Listen here and follow @CashologybyFNBO® on YouTube for more!

 

Episode Transcription

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You're listening to the Cashology

Podcast by FNBO,

 

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a place dedicated to helping you

become more financially savvy every day.

 

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It's a little like school,

but your only homework is living your best

 

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financial life.

 

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I'm your host,

Justin, and class is now in session.

 

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Welcome back to the Cashology Podcast,

a place where we dive

 

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deep into personal finance to bring you

actionable insights and real life wisdom.

 

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Today, we're excited to have Elyse Lyons,

better known as the Savvy Sagittarius.

 

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Elyse is well known as the Queen of the

No Spend month, but she is also a meal

 

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planning master, and she's here to share

how this simple practice can transform

 

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your finances. Elyse, welcome to the show.

 

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Thanks so much for having me.

 

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Yeah, thanks for coming back.

 

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It's round three, so I'm glad you're here.

 

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Stuck out this far, right?

 

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Oh, I'm just it's such a cool opportunity

to meet some new people.

 

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Oh, absolutely.

 

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So, before

we jump into the topic of meal planning,

 

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could you just tell our listeners

 

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who are tuning

in, maybe for the first time, who you are?

 

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just a little bit about yourself.

 

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You know,

they may not be familiar with you. Yeah.

 

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Like you said, my name is Elyse.

 

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I run the savvy Sagittarius on Instagram,

TikTok, and a blog.

 

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but I really started sharing my journey

because I wanted to pay off

 

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debt at 22 and didn't

see anyone else like me paying off debt.

 

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so now I've been sharing

my financial journey

 

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for the last seven years,

and it's just been a really cool journey.

 

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That's very cool.

 

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Yeah, I, I'm following you on TikTok, so,

it's great.

 

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So the listeners should be as well.

 

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So today we're talking about,

meal prepping, meal planning.

 

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So for our listeners who are new to that

new term meal planning,

 

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could you explain what it entails and

how it's benefited your financial journey?

 

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Absolutely.

 

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meal planning

essentially is going and sitting down

 

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before the week starts and having a plan

of what you're going to eat.

 

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And that sounds so simple,

but I know that, like,

 

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life gets crazy

and we don't always stick to a plan.

 

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so hoping to share some tips on

how do you actually stick to your plan

 

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and create something

that's realistic for your life?

 

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But groceries is, in my opinion,

 

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the fastest way to blow your budget

and the easiest way to save.

 

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because it's so variable, depending on

every trip to the grocery store.

 

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Oh, man. It's so true.

 

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Like today, our grocery shopping

planning is literally.

 

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My wife asks, what should we get

for groceries this week?

 

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And I say, What did we get last week?

 

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Do that again, I guess. So.

 

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Next week you should have a meal

 

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that you really want and surprise her

by, like, being like, I really want this.

 

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Here's all the ingredients that we need.

Oh, there we go.

 

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Not just meal planning hacks.

 

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These are relationship hacks. These are.

 

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These are good things, you know?

 

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So, somebody, that wants to get started

with meal planning.

 

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What are some, some essential tools

that you would recommend?

 

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And how do these tools help

 

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facilitate a more cost

effective and streamlined process?

 

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I think number one is really sitting down

with your actual calendar

 

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and not just the meal plan,

but sitting down and looking at like,

 

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hey, do we have sports

things Wednesday night?

 

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Do we have church things?

 

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Do we have all these things that

 

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what are we

 

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realistically going to eat on that night?

 

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I think so often we go into the like,

this sounds good.

 

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This like we open up Pinterest

and we're like, oh, here's a meal

 

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with 30 ingredients that's going to take

seven hours to prepare,

 

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and we plan it for our busiest day.

 

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and I think that like taking a really good

 

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look at your calendar first and saying

like, okay, Wednesday is a busy day.

 

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Thursday, we have late meetings

and planning meals that you're actually

 

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going to reach for instead of all these,

like, you know, Top Chef kind of meals.

 

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Absolutely.

 

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I think looking at

 

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your calendar is so important because

I don't know how many times we've done,

 

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oh, this is what we're going to eat

this week.

 

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And then, oh, man,

we had like a conference on site.

 

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So we bought food for two days and like,

they're providing food.

 

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So like, yes, there goes that whole thing.

 

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And then now you have food waste.

 

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Yes. And going and going into food waste.

 

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I think that, kind of

getting that creativity

 

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with, hey,

I bought lettuce and tomatoes for tacos.

 

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How can we use them in a meal in a day

or two?

 

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And that's such a,

 

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such an

 

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essential part of the meal plan

that I think is missing.

 

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oftentimes is kind of, hey, I know

we're going to have enough ingredients

 

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for two meals.

 

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How do we figure out how to use it up

so we don't have this,

 

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like lettuce sitting in our fridge

going, that's.

 

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Yeah, that's that's really good. yeah.

 

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So can you shed some light on how

you approach planning your meal schedules?

 

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so I sit down every Sunday.

 

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I do what I call a Sunday reset,

and it's ten things on my list

 

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that help me save money

and prevent me from unplanned spending.

 

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And so I will go in, sit down and create

the meal plan based on my schedule,

 

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and then I will stand in my kitchen

and look at what I have already there,

 

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and try to make as many meals as possible

based on what's in my kitchen.

 

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And then as I'm making that list,

I will use like Walmart grocery pickup

 

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or in, I guess the Midwest Hy-Vee

grocery pick every once throughout.

 

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and so I'll use those as a way to, like,

not go in the grocery store

 

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and spend more money

or kind of look at the sales ahead of time

 

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to see like what's on sale right now

and can I make a meal out of that?

 

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And then I have a

 

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marker board on the side of my fridge

where I list out all of the meals

 

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that are possible to make from

what's in my kitchen.

 

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So if I need to pivot midway

through the week, I have back up ideas

 

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and it's not like,

what did I think again, like,

 

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so that marker board has been

absolutely essential to my meal planning.

 

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Just like I have written out recipes

and like on your marker board of like, oh,

 

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for ground beef, right?

 

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Oh, we could do tacos

or like kind of things like that or.

 

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Yeah.

 

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What does that kind of look like?

 

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I will list out like all of my breakfast

ideas and I'll like write breakfast.

 

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And I'm like, we have these ten things

that we could eat for breakfast.

 

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For dinner we have, you know, these

ten meals that we could eat for dinner.

 

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I have a little space at the top

where I'm like,

 

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these ingredients need to be used

 

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up, like in the next couple days

before they go bad.

 

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And then I will write, like a list

of snacks that we have in the house.

 

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So I don't have to stand there

with the fridge open,

 

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thinking like we have nothing.

 

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Yes, because I have the list

like I know I have food is just

 

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I think that decision fatigue

is not talked about enough [Justin] 100%.

 

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[Elyse] We, I want to say

I read a statistic that we, we make like

 

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35,000 decisions in a day and women

statistically make more.

 

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Yeah, 35,000 casually.

 

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and so but the more decisions

 

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that you make in a day, the worse

the decisions get throughout the day.

 

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because you just stop, like,

wanting to put the effort in.

 

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So if you can take that

and kind of prepare

 

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for that, I think that you can save

a ton of money on groceries.

 

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So you're not standing in the kitchen

doing that.

 

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Like, what are we having for dinner today?

 

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So, can I ask

 

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then, do you, like,

have a go two way to prep food.

 

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So I know when we started meal prepping,

 

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all the rage was like, crockpot for, like,

three years, like, get a crockpot.

 

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Crockpot it.

 

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And then we would do that,

we would make meals in bulk,

 

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and then it's like,

oh, we're just eating shredded

 

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chicken all week

because we made enough to feed a village.

 

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And so like,

do you have like a pretty standard

 

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or do you kind of like

just cook as you go throughout the week?

 

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I will do like a combination of it.

 

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I'm lucky that I work from home,

so I do get to throw things in the crock

 

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pot at, like, 10:00 Am. [Justin] Nice.

 

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[Elyse] So if I know that

 

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I have, like, a late meeting,

I will throw something in the crockpot

 

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because I'm running to daycare,

running back, and the chance of me

 

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picking up takeout on the way back

if I don't know what's for dinner.

 

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It's happening. Yep.

 

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so I do use my crock

 

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pot, and I have used Pinterest to come up

with, like, more than shredded chicken.

 

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[Justin] Oh, okay.

 

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[Elyse] But I will also do the shredded

chicken and leave it, like, pretty basic.

 

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you know, salt, pepper, garlic.

 

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And then you can throughout the week,

if you have the bulk

 

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shredded chicken,

you can add, salsa and cheese to it.

 

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One night, you can add marinara to it.

 

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Another night

you can add barbecue to it another night.

 

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And so you can kind of have

a very different meal. Yes.

 

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The sources are the key.

 

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Oh, I've never thought that's like so

now that you've said that, I'm like, duh.

 

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--if you can kind of focus on 1

or 2 meats a week

 

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and then like change the other things,

I think that that is like the best way

 

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to get like a meal plan that is going

to work for you for the week.

 

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I'm, I'm like writing that down. That's.

 

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I can't believe I've never that's like,

so basic that.

 

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Oh, that's Genius.

 

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I really figured it out when I was,

I was military,

 

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and so I was trying to, like, maintain

my weight and not eat out a bunch.

 

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And one of the other guys that's like,

I eat chicken and rice

 

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for seven--you know--seven days

a week, every single meal.

 

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Three times.

 

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And he, he's I was like,

how do you not get bored?

 

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And he's like, oh,

I just change the sauce.

 

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Like sometimes it's also sometimes

it's barbecue, sometimes it's marinara.

 

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I'm like, that's genius.

 

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Yeah. Like, oh, that's so smart.

 

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Okay, so you're a parent.

 

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So do you have any particular advice

for parents maybe,

 

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or even specifically

for those that have picky kids?

 

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I have been blessed with the least picky

eater in the whole world.

 

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And I know,

I know that there's, there's kind

 

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of a difference between picky

and then like, sensory issues too.

 

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So like, I want to kind of highlight that,

like if there is a sensory issue,

 

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then it is not necessarily like this

advice is not going to apply.

 

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but I just

 

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made my

kid what I was eating since day one.

 

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Okay. My kid's favorite food is sushi.

 

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that's an expensive habit

that I'm going to regret later,

 

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but we'll be in the grocery store,

and he's like, sushi.

 

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And I'm like, okay, how many three year

olds are getting excited about sushi?

 

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But so I have been really lucky with that.

 

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however, I do normally have,

you know, some backup foods on hand.

 

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I always have peanut butter and jelly.

 

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I almost always have some kind of chicken

nuggets or something in the fridge.

 

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and then I will prep all of my fruits

at the beginning of the week.

 

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Like, right after I buy them,

I will wash and cut anything that,

 

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Oh, that's like fruit or veggies.

 

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And I will give him, like fruit or veggies

right before the meal.

 

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So that like

 

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that period when you're in, you're

in the kitchen cooking and he's like,

 

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“I want a snack, I want a snack,”

and you're like, “I'm making dinner.”

 

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I just put out fruits and veggies

as like an appetizer.

 

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And he almost always eats them for the,

 

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you know, that appetizer

because that's what's available.

 

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I think I just realized my wife

probably sees me as a three year

 

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old child, and when she's cooking,

I'm just like, oh, I want a snack.

 

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So, Lauren, if you're listening,

you just need to get, prepped fruits

 

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and vegetables.

And that's what you can give me.

 

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So I'm not eating junk food

while I wait for dinner.

 

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Or I saw a post on TikTok that had, like,

 

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the, like, old style

veggie trays with the different companies,

 

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and they just prepped a veggie tray

and a fruit tray every single week.

 

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And then it was like, oh,

 

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you know, they put it

out, they would put it back in the fridge,

 

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but at the end of the week

they would make like a fruit salad

 

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or a veggie stir

fry with it with whatever was left.

 

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So they're still using up

that fruits and veggies

 

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that was in the tray

if there's anything left.

 

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But having that like,

“this is here for a snack

 

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if you want it,” but then having it

as a meal option as well.

 

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Oh man.

 

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Okay, so

 

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this feeds into like the next question

I had, but like I think

 

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you've already gave some like banger tips.

 

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But any techniques for those

who might already be

 

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well versed in meal planning

but are looking to enhance the approach.

 

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So we've already talked about

one protein switch it up.

 

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turn vegetables into a stir fry.

 

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Anything else like that?

 

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I think one of my number one tips,

especially with having,

 

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you know, a toddler, I, buy--my rule--is

kind of one frozen,

 

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one fresh, one canned for fruits

and vegetables.

 

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And, and so I will buy, like, frozen,

 

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strawberries or the, like mixed fruit.

 

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I will buy like fresh grapes or bananas.

 

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And then I will buy

like canned peaches or pears or something.

 

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And so we have different options so that,

 

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you know, maybe the canned stuff

waits till next week.

 

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It can last a little bit longer,

 

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but we have different options

throughout the week

 

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so that we're not buying a bunch of fresh

yeah things and then having them go bad.

 

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If your kid suddenly decides

is they don't like strawberries anymore.

 

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So diversify your sources.

 

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diversify, buy your food purposes

 

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and diversify

the freshness of the ingredient if you.

 

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Oh, frozen. Canned. Oh, I love that.

 

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That's really great.

 

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I love the I,

I use the hashtag on my Instagram stories.

 

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A lot of the like zero food waste. Oh.

 

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But kind of that conversation of like,

hey, I have like, back to the tacos.

 

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I have lettuce to use up.

 

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I need to use it before it goes bad.

 

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And kind of just creating your meal plan.

 

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like in the days

following or that next week

 

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around those ingredients that need

to be used up before they go bad.

 

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Okay.

 

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Then the last question, I guess

to wrap this up, and I'll go first.

 

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What is your go to, like, meal prepping,

 

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00:13:58,704 --> 00:14:00,072

recipe, your favorite

 

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dish to make, that you could probably

like, make, maybe make every week.

 

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And so for me,

I grew up in an Asian household,

 

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so, like, rice was in every meal.

 

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It was a non-negotiable.

 

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My mom would not let us not eat rice.

 

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And so now, growing up,

I have, like, rice.

 

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We make, like, rice pretty often.

 

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But then our prep is

 

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we make it, refrigerate it,

and then we always have, like, fried rice.

 

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At least we make homemade

fried rice once a week.

 

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And so.

All the time. I absolutely love it.

 

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And, like, got to have it.

 

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What about you? Like,

what's your go to meal prep?

 

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00:14:32,071 --> 00:14:36,175

I feel like wraps

or burritos are like burritos every time.

 

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00:14:36,208 --> 00:14:40,212

Like, especially if I can make the like

filling for it ahead of time

 

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00:14:40,212 --> 00:14:41,347

and like prep that.

 

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00:14:41,347 --> 00:14:44,149

And then when I go to warm it

up, I just put it in a tortilla.

 

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00:14:45,284 --> 00:14:46,285

because it's over,

 

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00:14:46,285 --> 00:14:50,856

like, it's it can be breakfast,

it can be lunch, it can be a snack.

 

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00:14:50,856 --> 00:14:54,994

You can do snack wraps or tacos or,

you know, it's just so versatile

 

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00:14:54,994 --> 00:14:55,995

that it doesn't feel like

 

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00:14:55,995 --> 00:14:58,998

you're eating the same thing,

but it's the same ingredients.

 

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00:14:59,031 --> 00:15:01,500

Well, Elyse, thank you so much

for joining on the podcast.

 

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00:15:01,500 --> 00:15:02,768

In this episode, three.

 

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00:15:02,768 --> 00:15:06,639

It was absolutely wonderful

to have you in this short little series,

 

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00:15:06,639 --> 00:15:10,142

if you will really appreciate you

taking the time to, kind of just

 

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00:15:10,142 --> 00:15:14,146

sit and chat with me about different

financial topics of all kinds.

 

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00:15:14,413 --> 00:15:16,749

Absolutely. Thanks so much for having me.

 

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00:15:16,749 --> 00:15:18,284

Yeah, thank you!

 

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00:15:18,284 --> 00:15:18,751

To connect

 

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00:15:18,751 --> 00:15:22,588

with Savvy Sagittarius and dive deeper

into her financial wellness insights.

 

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00:15:22,755 --> 00:15:25,591

You can find her on Instagram and TikTok

 

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00:15:25,591 --> 00:15:28,527

@TheSavvySagittarius.

 

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00:15:28,527 --> 00:15:31,897

For more resources,

check out FNBO.com or subscribe

 

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00:15:31,897 --> 00:15:34,900

to us on YouTube

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00:15:34,900 --> 00:15:38,404

Consider giving us a rating and a review

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00:15:38,404 --> 00:15:42,374

And remember, our discussions are designed

to inform and inspire.

 

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00:15:42,541 --> 00:15:45,811

For personalized advice,

we always recommend consulting

 

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00:15:45,811 --> 00:15:47,246

a financial professional.

 

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00:15:47,246 --> 00:15:50,449

Until next time, keep on making smart

financial choices.

 

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00:15:50,449 --> 00:15:53,452

And thanks for listening to the Cashology

podcast.

 

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00:15:53,552 --> 00:15:57,122

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00:15:57,256 --> 00:16:00,225

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