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Live Like a Girl with Dr. Mindy Pelz· Staffel 7· Folge 374

The 10-Minute Morning Routine for Cortisol & Belly Fat

Dienstag, 29. September 2026 · 27 min

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Chronic stress can influence your metabolism, sleep, appetite, blood sugar, and where your body tends to carry fat—which makes your nervous system an important part of the belly-fat conversation.
In this solo episode, I’m breaking down what happens to cortisol after you wake up and sharing the simple 10-minute morning routine I want you to try for the next 30 days.
We’ll talk about morning light, your phone, breathwork, movement, hydration, exercise, and how to identify the stressors that may be setting the tone for your entire day. I’ll also explain what I mean by becoming “cortisol flexible” and how you can start working with your stress response instead of constantly feeling controlled by it.
In this episode:
• Cortisol, chronic stress, and belly fat
• What happens to cortisol after waking
• Why morning light matters
• The problem with reaching for your phone immediately
• A five-minute breathing practice
• When to move and exercise
• How to perform a morning stress audit
• Becoming more "cortisol-flexible"
• My 10-minute morning routine
• A 30-day challenge you can start tomorrow
Plus: Take my free Nervous System Questionnaire (resetacademy.drmindypelz.com/nervous-system-re…) below to discover your current nervous system state and the practices that may support you.

Resources Mentioned
• Nervous System Questionnaire (resetacademy.drmindypelz.com/nervous-system-re…)
• Reset Academy (resetacademy.drmindypelz.com/reset-academy?utm…)
• Who Are You Becoming? Card Deck (lnk.to/wayb_cd_ap-pelz_a_lm)
• Sunlighten Sauna (sunlighten.com/?drmindypelz)
For more resources related to today’s episode, visit the podcast episode page: drmindypelz.com/ep374

Connect with Dr. Mindy:
• Join Reset Academy (resetacademy.drmindypelz.com/reset-academy?utm…)
• Watch the episodes on YouTube (youtube.com/@DrMindyPelz?sub_confirmation=1)
• Follow Dr. Mindy on Instagram (instagram.com/dr.mindypelz)
• Subscribe to Dr. Mindy’s newsletter (drmindypelz.com)

Disclaimer: This podcast is intended for educational and informational purposes only and is not a substitute for professional medical advice. Always consult a qualified healthcare professional before making changes to your diet, fasting routine, or lifestyle.

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0:00 So many of you are really struggling with that extra belly fat and and I 0:05 totally get it and there are many reasons that we start to gain weight 0:10 around our abdomen especially as we age. I want to bring to your attention a real 0:17 pivotal study that will help you understand one aspect of belly fat that 0:23 you can change starting today. Here's the study. It was a 22 metaanalysis, 0:28 meaning they looked at many different studies. And it was published in obesity 0:33 reviews. They looked at over 120 studies with 34,000 0:39 people. And here is what they found. The more longterm stress, the more longterm 0:48 cortisol surging through your body, the bigger your waist size. So on this 0:56 video, I want to start to break this down and give you some habits you can 1:01 apply, especially in the morning to stop the cortisol from surging through your 1:08 body. Bottom line, the more stress you have, the bigger that belly is going to 1:13 get. And this isn't about you just avoiding stress. This is about you 1:18 learning to become cortisol flexible. I have taught you all here how to become 1:24 metabolically flexible. What I want to teach you on this video is how to be 1:30 cortisol flexible because cortisol is not necessarily the enemy. It's how 1:36 cortisol gets used in your body. And this is what we're going to break down 1:41 in this video. So, here we go. First, let's talk about cortisol. Cortisol 1:48 naturally comes into our bloodstream around 45 to 90 minutes after we wake 1:55 up. What happens just so we get a general understanding of how cortisol 1:59 works is you get out of bed, your eyes see light and that light gets sensored 2:07 by receptors in your eyes and it tells me to turn off. So it is light that 2:15 tells melatonin to turn off that the day has started. As melatonin turns off, 2:22 cortisol gets turned on and within 45 to 90 minutes within from waking up, you 2:30 are actually getting your largest cortisol spike. 2:35 Which means what you do from the moment you get out of bed until that 90 minute 2:41 mark really matters. which is why we're we're just chunking this down into the 2:45 first 10 minutes. Second, I really want you to think about is that every hormone 2:52 in our body has an action that it's trying to create. So, we've talked a lot 2:58 about estrogen and all the things she was trying to create. Insulin's action 3:03 is to pair with glucose and move glucose into our cells so that our cells have 3:10 energy. Cortisol's action is to make you move. Its purpose is to get you moving. 3:19 And so when cortisol comes in, if you don't move, then what ends up happening 3:26 is the body has to store that cortisol. You have the most glucocorticoid 3:31 receptors, meaning glucose and cortisol receptors in your abdomen. So what the 3:38 body will do, the brilliant intelligence of the body is it will start to move all 3:43 that unused cortisol into the abdomen and you start to gain weight around your 3:49 abdomen. It is a thousand% because of stress. I would even say that 3:55 the if you're really struggling with belly fat, I want you to address your 4:00 stress levels first before you try anything else. Now, if you don't know 4:05 how stress is affecting you, I've created a nervous system questionnaire. 4:10 I'll link it below in the notes that will tell you what stress state you're 4:14 in and give you micro habits you can do all day long so that you can pull 4:20 yourself out of some of the more extreme stress state states. So, just know 4:24 that's available to you. It's a free offer that I'm just handing to you 4:29 because I want you to I want you to fall in love with your body. And this is such 4:33 a key piece that so many of you struggle with. Now, what was interesting about 4:37 this study is that they tracked overall weight. So, what was interesting is that 4:43 they saw that when stress goes up that everybody gains weight. That makes sense 4:50 because your body is in a fight orflight reaction. When the body is in fight or 4:56 flight, what happens is all of a sudden blood sugar would be pushed to our 5:00 larger limbs like our legs and our glutes because we're supposed and to our 5:05 arms because we're either supposed to fight or we're meant to fight to run 5:11 away. So the brilliant body of yours starts to move blood to those areas. 5:16 This study looked at people who were stressed and saw that this relocation of 5:22 blood also caused the body to become less metabolically flexible, which I've 5:29 been here teaching you all about metabolic flexibility. So, your ability 5:33 to use glucose in a fightor-flight situation becomes more impaired. So when 5:40 they looked at the connection between increase in stress and increase in 5:45 weight, they were absolutely convinced people would gain weight 5:50 because of fight or flight. But what they didn't realize is that the majority 5:56 of the weight that was gained went to the abdomen. And this is when they were 6:01 like, wait a second, that means that cortisol is at play here. and cortisol 6:07 needed somewhere to go, so it went to the abdomen. Second thing that this 6:11 study I want to point out because some of you I don't know about you guys, but 6:14 I get a little bit like crazy in my head when I'm like, well, now I got to not 6:18 stress. This isn't about not stressing for a day or two. They looked at people 6:25 over 90 days and they measured their HPA output. So that is how much cortisol was 6:33 being secreted in 90 days. So that you can do it, you can test that easily in 6:38 saliva. And so they tested it regularly through saliva and they could see over 6:44 90 days that the people with the most belly fat had the highest level of 6:50 stress hormone. The reason I want to point this part out of the study is 6:55 because as I go through the five steps to show you how you can start to unwind 7:01 this cortisol pattern, it may take you 90 days. This might not be a quick fix, 7:07 but if you do it consistently, you will start to unwind the damage that cortisol 7:13 has done to your belly fat. Second thing that I want to point out is they really 7:18 talked about how cortisol also increases visceral fat around the organs. So, this 7:25 is an issue and this is why I wanted to bring this video to you because we want 7:29 to make sure that this isn't just a a vanity topic and and if it is, great. 7:35 But I want to make sure that we keep you healthy and happy and alive. And if 7:40 cortisol is moving fat to our abdomen and it's moving fat to our heart and our 7:46 lungs and our liver, that is actually accelerating chronic disease and that is 7:51 accelerating our overall health and well-being. So it 7:57 wasn't just the belly, it went everywhere. Now, here's something really 8:00 exciting that we're going to bring into these steps. They showed that light when 8:05 you get light exposure early on in the day that those people had a lower BMI. 8:12 So remember it was in a meta analysis. So they're looking at many different 8:17 studies and and pulling out the threads. And yes, cortisol high, more belly fat. 8:23 But people who had lower BMI, lower BMI means their body weight was lower, they 8:30 were the ones that got exposure to light early in the morning. And we're going to 8:35 talk about this in a in a minute because I want to make sure this is easy. You 8:39 guys can get exposure to light. Some of the mistakes I have seen you all make, 8:44 and I'm not saying you personally, maybe some other other of my YouTube uh 8:48 subscribers, is that when you start to gain belly fat, you cut back on 8:54 calories. It's not going to help you. This is not a calorie problem. And when 9:00 we look at it through the lens of cortisol, this is a cortisol problem. 9:04 And it doesn't if you actually if you reduce your calories, then what's going 9:09 to happen is you're going to actually raise cortisol. This is why I want you 9:14 to take the NSQ that I I'm giving you as a questionnaire. Just look and see where 9:18 your nervous system state is at. Because when people start to gain weight, what 9:23 they often do is they double down. more fasting, more exercise, more dieting, 9:29 and that raises cortisol so high that you get more belly fat. Put in the 9:35 comments if that's happened to you. So, I want you to take my questionnaire so 9:39 that you can see what nervous state you're in and act accordingly. 9:45 So, it belly fat is not a calorie issue. The other thing I want to point out is 9:50 that cortisol is not the enemy. You need to learn how to work with cortisol. So 9:56 if cortisol is the hormone that is meant to make us move and it hits its peak 90 10:04 minutes after we wake up, that is the moment to move. You want go for a walk. 10:12 You got I' I've even I tell my Reset Academy members all the time. I'm like, 10:16 put the freaking coffee machine on and do push-ups on the countertop or squats 10:22 next to the coffee machine when you first wake up. That you if you can start 10:26 to move your body in those moments that cortisol is rising, then it won't be 10:32 stored. Another recommendation I've given you all here that I still stand 10:36 behind is the moment you a stressor hits you at any other time of the day, go for 10:43 a walk. go move. It's when we sit in the stress that the cortisol goes right to 10:50 the belly because it didn't get used. So, whatever you can't use, you will 10:55 store. Another trap, a morning trap that a lot of people get into is they wake 11:01 up, they get their cup of coffee, they turn on all the lights, and then they go 11:06 to their phone. I want to explain something to you about the mind in those 11:11 early morning hours because what happens is that sleep you're in a delta 11:18 brainwave state. This is where the brain is completely in relaxation and it's 11:23 sleepy and it's shut. It's completely in its dream world. When you move out of 11:28 delta, you go to something called theta. Theta is a relaxed brainwave state where 11:34 a lot of meditators will be in a in a theta brainwave state. And then after 11:39 you wake up, maybe you're a half hour, 45 minutes in, you're now into alpha. 11:45 And alpha is where you're you're insightful, but you're m and but a lot 11:49 more alert than than theta. And then once you've had your cup of coffee, 11:54 maybe talked to some friends, you've now gone into a beta state w brainwave state 12:00 where we are right now. Cortisol gets secreted in a beta brainwave state. In 12:07 fact, it gets secreted in high beta primarily. 12:11 So if I wake up in delta and I don't ease myself through theta and alpha and 12:18 I just go from delta straight to beta, I am turning that cortisol on earlier than 12:25 it needs to be turned on. So what this looks like is those of you who wake up, 12:31 you get your cup of coffee and you pick up your phone and you start scrolling 12:36 your phone. You start going onto social media, you look at news, and now we've 12:41 got the coffee stimulating cortisol, we have your phone stimulating cortisol, 12:47 and then usually people will turn on bright lights in their kitchen. And now 12:52 you have abruptly shut down melatonin. It is a startling way for your nervous 12:59 system to start the day. It's a lot for your nervous system to handle. 13:04 Especially those of you that take my nervous system questionnaire. If you're 13:07 in a yellow state or a red state, I I want you to listen to the five things 13:12 that I want you to start to implement to change your nervous system state and get 13:17 that cortisol spot to turn off. Here they are. Step number one, when you get 13:24 up, can you if if you're I now I will tell 13:28 you I like coffee first thing in the morning. So, however long it takes you 13:32 to make your coffee, could you turn on your coffee maker and go outside? 13:38 Remember, one of the studies they looked at was people who had uh more light 13:45 exposure in the morning had lower BMIs. So, turn the coffee on and go out into 13:53 your backyard. Go out onto your deck. Go if you don't have access to that, like 13:58 you live in an apartment building, go to your window. Outside would be the best, 14:04 but you're doing several things. If you go to the window and don't turn the 14:08 lights on inside your kitchen, if you go to the window and the light is starting 14:14 to come up, what you're doing is you're giving your brain time to register that 14:22 day has started. And the whole manufacturing of hormones has time to 14:27 gently start to shift in a kind way to your nervous system as opposed to an 14:33 abrupt way. So you get out of your bed, you go to the kitchen, you don't turn on 14:40 the lights. If that's going to be too dark, then have one light on, not all 14:44 the lights. You turn on your coffee maker and you go outside and you get 14:50 light. This is where we start to tell melatonin to turn off and we tell the 14:56 cortisol, "Hey, in an hour and a half, I'm going to need you. Go ahead and and 15:02 turn the cortisol spot on." But it's a soft, gentle uh way to turn cortisol on. 15:08 Step number two, let's say you got your cup of coffee. Okay, you're sitting in a 15:14 chair. I do this in in my house. I have one specific area that is my wakeup spot 15:22 and there are books there that I meditate there. It's an area that I go 15:28 to that I know is not an overly stimulating place. So find a place in 15:34 your house where you can sit down and for the first five minutes when you sit 15:39 down I want you to do breath work. You haven't turned your phone on because 15:44 remember the phone's gonna have all kinds of cortisol surging through your 15:48 body. So, let's not turn that on. You haven't even really turned a lot of the 15:51 lights on. If you have red lights, go ahead and you can put a red light on or 15:56 if you have something like Sunlighten has a red light panel. We'll leave we'll 16:01 leave links for that and discount codes. You can turn red light on for sure. And 16:06 again, you're going to breathe for five minutes. And here's what the breath work 16:12 I want you to do. And it's a breath pattern that tells your body to activate 16:18 the parasympathetic nervous system. So you're going to breathe in through your 16:22 nose. You can do it for like a count of four, five. That's usually what I do. 16:28 And you're going to exhale out of your mouth for a count of seven or eight. 16:34 Shorter inhales, longer exhales. What that does is it primes your 16:40 parasympathetic nervous system. Now, let's juxtapose that to the way many 16:46 people wake up. They alarm clock goes off, they jump out of the bed, they 16:50 think about the stresses of the day, they go to the coffee maker, they turn 16:54 on the lights, they turn on their phone, and they're like, I got to do today. I 16:59 got to conquer today. In that state, you are activating your sympathetic nervous 17:05 system and you are contributing to long-term fight or flight. In this new 17:10 morning time that I'm recommending for you, you're watching the lights. You're 17:16 waking up gently. You are doing breath work and you are easing yourself. You 17:23 haven't turned your phone on. You are easing yourself into the day. And this 17:28 is only I'm you're 5 10 minutes into your day so that cortisol can gently 17:34 come on the scene. Step number three is I want you to move gently and hydrate. 17:43 So when you grab that cup of coffee, I want you to grab water. You are the most 17:49 hydratable in the morning. So, even if you can 17:54 drink a glass of water before your coffee, your cells are going to soak 17:59 that hydration up. I personally also do my B minerals in the water in the 18:06 morning. They sit right next to my coffee maker and I do a couple shots of 18:10 B minerals to get my mineral count up. But hydrating in the morning is 18:16 incredibly important. The reason I want you to gently move is because it tells 18:23 your parasympathetic when we move in a slow way it tells your parasympathetic 18:29 nervous system that we can stay calm. So when we move very quickly what happens 18:36 is that we start to activate the sympathetic nervous system. So this slow 18:43 approach to the morning including movement is really important to make 18:48 sure that you are sending a signal to the parasympathetic nervous system that 18:53 you are gently waking up. If you do it the other way around, you are sending 18:58 the signal there is a crisis and you have started the day with cortisol 19:03 pounding through your body. And where does cortisol go? If you have extra 19:08 cortisol, it goes to the belly. Okay. Step number 19:13 four. I want you to start to run a stress audit of your morning. Now, this 19:20 one is very personal because a lot of you and put in the comments just I'd 19:25 love to get to know my viewers, but a lot of you have a list of things that 19:30 you've got to get accomplished before the kids wake up or before you get off 19:34 to work. And it's like this to-do list that instantly puts you into a stressed 19:39 state. So, as I'm giving you ideas for a new pattern, what I would encourage you 19:44 to do as you're hearing the mechanism in the morning is what is stressing you out 19:50 in the morning? Is it your social media? Is it the news? Is it your spouse? What 19:56 is stressing you out? And how do we start to change that? because stress in 20:02 the morning is the most harmful for your body. And again, what we're going to end 20:07 up doing is we're ending up moving your all that cortisol into your belly. Step 20:13 number five, and this is one that I think is really critical, is I want you 20:18 to start to care about cortisol flexibility 20:23 as much as you care about metabolic flexibility. So, let me explain myself. 20:29 Those of you who have read Fast Like a Girl, all of my all my like a Girls, age 20:33 like a girl, eat like a girl, you know that I've spoke about something called 20:39 the hormonal hierarchy. The hormonal hierarchy says that each hormone impacts 20:45 another hormone in a very hierarchal way. So our sex hormones are on the 20:51 bottom of the hierarchy. This is estrogen, progesterone, and 20:54 testosterone. What impacts those hormones more than any hormone is 20:59 insulin. This is this was the whole premise of Fast Like a Girl. Put in the 21:04 comments if you bought that book because that was the whole premise of that book 21:09 was to make sure that you understood if you got yourself insulin sensitive, you 21:16 would balance your hormones. This is my big take on menopause. your menopause 21:21 symptoms won't be as bad if you ha if you balance insulin. 21:26 But the part of the story that we need to talk about now is above insulin is 21:32 cortisol. Cortisol will make you insulin resistant. And it is the morning time 21:39 that is the most important to make sure that we are using cortisol the way that 21:46 cortisol has been meant to use. Cortisol is not meant to come flooding in within 21:51 five minutes of you waking up. Cortisol is not meant for it to come flooding in 21:57 and for you to sit. So, I'm giving you small little micro habits that you can 22:05 do so that cortisol comes gently in. At 90 minutes, we get a cortisol peak. That 22:13 is a great time to work out. So, those of you who like to work out, do this 22:17 10-minute ritual where you're going to get light, you're going to do some 22:21 breathing, you can read some positivity, you can journal, things like that. You 22:26 haven't turned your phone on. You can, by the way, I've got a new card deck. 22:30 You can journal on the questions in the card deck. I'll leave I'll leave um 22:34 links for that. They're great for It's called Who Are You Becoming? Great for 22:38 those of you who are going through transitions. But that first 10 minutes, 22:43 you're preserving that so that your cortisol gently comes in. And then at 22:48 the 90 minute mark, go for a run, go for a walk, go do things that are going to 22:54 use that cortisol. I am a big fan of working out in the morning. I think that 22:59 is the best time if you have belly fat, you should be working out in the 23:02 morning. That is the big step to becoming cortisol flexible. 23:07 The second part of becoming cortisol flexible 23:11 is that you want to make sure that anytime a stressor hits you, you move. 23:17 Get up and move. Go for a walk. I often will walk around my dining room table. 23:22 I'll take my dog for a walk. I'll go out and move when stress starts to build. 23:27 That will absolutely help you become cortisol flexible. And then the third 23:33 way you can become cortisol flexible is to start to understand what's triggering 23:40 your cortisol because it everybody's going to be a little different. So 23:45 understand those moments that attack you and know oh if I go into this situation 23:50 I'm let's say you have a meeting at work and you go into a meeting at work and 23:55 you know that meeting is going to stress you out. Build in time after the meeting 23:59 to go for a walk. If you know you've got a really busy day, build in time at the 24:06 end of the day to prime your parasympathetic nervous system through 24:10 breath work and reading and to start to bring you back into a relaxed state. 24:15 That is what cortisol flexibility is all about. Now, if you need help with this, 24:21 know I have a membership group. I'll leave links. This is the kind of things 24:24 we are coaching over there to the women that join there. Love to have you join 24:29 us. Here are three action steps I want you to think about taking immediately 24:35 tonight. When you get into bed, where's your phone? Is it right next to you? I 24:41 want it on airplane mode. Or I want you to put it in the other room. And I want 24:46 you when you put the phone down, I want you to tell yourself, I am not going to 24:52 pick up this phone until I have been up for at least a half an hour. If you can 24:58 make it an hour, great. Leave that phone there. That is a cortisol machine. 25:04 Action step number two. When you get up tomorrow, you're going to go outside 25:10 within the first 10 minutes so you can your eyes can see the light. it. Light 25:15 is healing. If you can't get outside, then get some red light. Anything that 25:22 brings in a new perspective to the eyes other than LED lamps. You don't want the 25:27 LED lamps. And number three, tomorrow morning, and I want you to put in the 25:32 comments, if you're going to do this, because again, I'm I'm great at 25:35 accountability. I want you to put in the comments that when you get your coffee 25:40 and you sit in a chair and your phone is turned off that you're gonna do five 25:45 minutes of breath work and you're going to do it with longer exhales so you can 25:50 tell your body it's safe and that it doesn't need to overproduce cortisol. 25:57 Try this 10-minute routine for 30 days. It's a challenge I'm offering you. and 26:02 come back to this video and let me know how you how you're feeling. More 26:08 importantly, I really want you to know that it is not your fault that that 26:13 belly fat is there, but it is your responsibility to start on working on 26:19 it. And this is not a, you know, this is not a a moment to white knuckle it. It's 26:24 actually the opposite. It's a moment to love your body and give it all of the 26:30 nurture and care that it deserves. So, as always, I hope that helps and put in 26:35 the comments your stories and your questions. I love reading them and I'm 26:40 cheering you on. If this helped, you're not going to want to stop there. Check 26:44 out this video.

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