fatty fatty two by four

Nadia pointed to a man (less than two feet away from her) getting in the pool and said "WOW, look at that man mama, HE'S SO FAT!!!"  What do you say in that situation???  I couldn't pretend I didn't hear it because she said it soo loud and the three of us were the only three on the steps to the pool, so I simply said, Yes, Nadia, he does look like a lot of people in our family, but we say "big boned".