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frugal2free

frugal2free

By Ryan Davis

I’ll teach you to make more money and spend less while enjoying an abundant life. Learn from an MBA, husband, and father of four.
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Diderot Effect: Tools Of Tools

frugal2freeMay 08, 2020

00:00
06:46
Big Dominoes

Big Dominoes

The hardest part about growing assets and helping them to regenerate is getting started. Gary Keller talks about in his book The One thing how important it is to get started with the most important thing. What's your investment that you can catapult into other investments, that throughout time can pay massive dividends?
Apr 16, 202305:52
Tummy Tucks and Designer Dogs

Tummy Tucks and Designer Dogs

What if I told you someone took $18,000 in expenses for a tummy tuck and a designer dog and turned them into over $20,000 in income? What separates those paying thousands and thousands of dollars for doodads and expenses from those who are making thousands and thousands of dollars from the exact same purchases? It's our thoughts. It's our desire to think differently.
Apr 16, 202305:32
The Money Garden

The Money Garden

Would you be humble enough to listen to a child teach you about how to make money in your front yard? That's what I tried to do a few years ago when my daughter explained how much money can save when you get rid of a lawn. And then over a few years my wife and I discussed an opportunity to turn our front lawn into a money making garden. Or at least perhaps a garden that gives us many fruits and vegetables to keep our food budget a little bit lower. And today's episode I explain our strategy and tactics to dreaming and then implementing our ideas for a garden.
Apr 02, 202306:51
Backbones And Ears

Backbones And Ears

Often in a relationship you need to have a backbone to stand up when a financial decisions going to wreck your relationship. You also need big ears to be able to have a humble disposition when you're told that your financial idea is a flop or will financially ruin you. Are you willing to listen? And are you willing to speak up? If so your relationship with money and with each other will thrive!
Mar 09, 202305:37
The Power of Free

The Power of Free

What if everything you paid for actually could be had for free? There are many things we can enjoy in nature and with a relationships that are absolutely free. And then there's things, that we think always come with a price but they don't have to. Changing your mindset will often allow for things that are pricey to become free.
Mar 09, 202305:21
Four Suits

Four Suits

One suit was free. Another suit cost 120 bucks. And another one $500 with a $250 gift card going towards it. And another suit was about $200. Three needed dry cleaning; one didn't. What can you do differently to afford some of the most important things in your life?
Feb 27, 202304:36
Thrifting, Outlets

Thrifting, Outlets

Did you know you can stock your kitchen with items from a thrift store? What about books? Did you know you can often get books at 80% off of the cost of Amazon just by going to Thrift stores? The real question is what can't you get at a thrift store? Thrift stores can often even beat the price of outlet stores.
Feb 27, 202304:22
Oakley's Be Gone

Oakley's Be Gone

This man had already given so much of his time his money and resources and now someone wanted his oakleys as well? What do you think you did? How about the billionaire who is in college many years before he became a billionaire but gave so much that it actually pinched his finances? Why did he give before he had?
Jan 23, 202305:21
Ali, Elvis and Lennon

Ali, Elvis and Lennon

Bill O'Reilly has a captivating book about Elvis Muhammad Ali and John Lennon. As I listened to his book I realized that all three had broken the faith and confidence of their spouses. They hadn't been true and faithful. Fidelity Faith family and fun are crucial the true success. Using your finances just for fun leads to great despair. Use your finances for things that matter most like your family and faith.
Jan 23, 202305:19
Warren Said Treat Business Like An Investment And Investments Like A Business

Warren Said Treat Business Like An Investment And Investments Like A Business

Warren Buffett has said a lot of things over the last five or six decades. And many of the things he has said ring true. One of my favorite infrequently quoted quotes goes something like this: treat business like an investment and your Investments like a business. I reread that recently and was reminded of Robert Kiyosaki's constant admonition to have all of your assets in the business and investment categories. But what if you combine Kiyosaki and Buffett to make sure that you are improving your businesses and investments so that you always have an increasing net worth and most importantly excellent cash flow.
Sep 26, 202205:08
Inflationary Thoughts

Inflationary Thoughts

Fear often dominates the thinking of pundits during uncertain financial times. Yet you can move forward not with fear but with intelligence and trust. In today's episode I describe some of my thoughts and ideas about the uncertainty of the financial times that we're experiencing.
Sep 20, 202206:44
The Comcast Man

The Comcast Man

Sure he was there to install internet but man did I learn about investing from this Comcast man! Who would have thunk that he had an investment property, food trucks and even a classic car! I picked his brain for anywhere from 15 to 20 minutes to learn what he did to be able to make money outside of his day job.
May 10, 202205:36
More Solutions Than Problems

More Solutions Than Problems

Someone couldn't get a job not because he wasn't offered a job but because he refused job after job after job. Why? Well because none of the jobs were perfect. That's when it hit me. There's always more solutions than there are problems. Sure there are plenty of problems in life especially if you're looking for them. Yet there's always always more solutions than problems.
May 10, 202205:60
Know Coupons, Know Joy

Know Coupons, Know Joy

What if you never had to use coupons again when you went shopping? And what if you could eat any food that you really want and the price was outstanding? Join me in today's episode to go shopping with Melissa Davis, my outstanding wife, who for decades has provided our family wonderful food at a very affordable price.
Apr 25, 202206:04
Taxes, Teams, Homes And Creativity

Taxes, Teams, Homes And Creativity

What are you going to do with your tax return? Have you put together your team of lawyers, accountants financial partners, and CPAs? And what's even more important than patience when it comes to buying a home? Have you considered creativity?
Apr 18, 202208:22
7.9% Is Greater Than 1%: Investing Beats Savings

7.9% Is Greater Than 1%: Investing Beats Savings

There are a lot of interesting financial theories out there currently. Some financial pundits in an attempt to sell their products teach people that financial success is all about how much money you have in savings. Others talk about the only way to build a business is in cash. And some even mention that you need to be very careful with an extra dollar or two that you spend every day. In today's episode I'll explain some alternative realities that help us to build genuine wealth.
Apr 16, 202207:18
Surfing For Dollars: Capitalizing On Trends

Surfing For Dollars: Capitalizing On Trends

Geographical, political, social, and other trends can help amplify wise financial choices. In the book Smart Cuts we learn about going where large waves are so that surfers can have more success. Likewise knowing what trends are currently happening and what will happen in the future will help you make quite a bit more money than not being cognizant of trends.
Apr 13, 202205:06
Mineral Rights And McDonald's

Mineral Rights And McDonald's

Will your next real estate investment be raw land? Perhaps. Yet could it even be better if there's a already an asset, two or three or four or five on the property? Can you imagine how your large piece of property could have multiple streams of income?
Mar 28, 202207:17
Pools Of Money

Pools Of Money

Often people liking cash flow to pools, rivers, lakes or any other water metaphor. In today's episode I discuss how you can fill up your pool or your net worth with the right amount and the right size of hoses or cash flow.
Mar 22, 202207:39
Better Than An MVP

Better Than An MVP

What is a spouse? Is he /shr your greatest asset? Or perhaps an MVP? A spouse is an educator, a counselor, and a hedge against silly financial mistakes. A spouse helps make money, preserve money, and expand your money and portfolio.
Mar 14, 202204:33
Ukraine, Control & Get Good

Ukraine, Control & Get Good

Learning from what's going on with Russian's invasion of the Ukraine will teach us on how to be better at emergency preparation. And N. Eldon Tanner, a very successful Canadian businessman, talked about what it means to control our money. And a lesson from gamers, getting good in your current job or business so that you don't necessarily have to take on a second job or start another business.
Mar 09, 202209:06
Negotiate, Bargain And Haggle Like Melissa

Negotiate, Bargain And Haggle Like Melissa

From a hat in New York City to sand toys in Mexico, is there a place on this planet Melissa hasn't negotiated and haggled? The key to negotiating bargaining and haggling is to ensure the seller and the buyer are both benefited. In today's episode I go over key principles to getting what you and others want such as being patient, not being too keenly desirous of the item, and inspecting and expecting what you want.
Feb 25, 202206:10
Intelligence Overcomes Inflation

Intelligence Overcomes Inflation

The CPI or the consumer Price Index has what's called a basket of goods. According to these basket of goods the average cost to live in America has gone up over 7% in the last year which is a high over the last three decades. So what can you do to make sure that you're not paying a ton of money for everything you use? Listen on!
Feb 21, 202209:49
Ramsey, Kiyosaki And Buffett United

Ramsey, Kiyosaki And Buffett United

In today's episode we talk about the Tao of Warren Buffett, the quintessential book summarizing some of the basic beliefs of Warren Buffett. And along the way we sprinkle in some wisdom from Ramsey and Kiyosaki.
Feb 09, 202206:54
Uncuttable: Regenerative and Multiplicative

Uncuttable: Regenerative and Multiplicative

I remember Dave Ramsey talking about death by a thousand cuts. There are a thousand ways that you can spend and blow money and feel very frustrated with no matter how much money you make. But what if everything you spent money on didn't take your money but rather grew your money? It became regenerative, multiplicative? What if what you do is more of an investment and asset rather than a liability or a doodad? Is it possible that what you spend money on now won't soak more of your money later but rather will return $10 for every $1 spent? Listen on friend.
Jan 31, 202209:36
The Tao Of Warren Buffett

The Tao Of Warren Buffett

Years ago Warren Buffett's former daughter-in-law Mary Buffett along with David Clark put together an amazing book with about 140 or so thoughts from Warren Buffett's investing style. Let's dive into seven ideas for being an astute investor.
Jan 24, 202206:31
Millionaires In Mirrors: Richard Paul Evan's Quote

Millionaires In Mirrors: Richard Paul Evan's Quote

Once upon a time Richard Paul Evan's daughter asked him if he had ever seen a millionaire. He responded with he saw one in the mirror everyday as he shaved. So what are the lessons we can learn from everyday millionaires? What do they do about clothes, cars, and houses? And are they often flamboyant or ostentatious?
Jan 19, 202207:50
Vida Dutton Scudder

Vida Dutton Scudder

Vita Dutton Scudder said creation is a better means of self-expression than possession; it is through creating, not possessing, that life is revealed. As we constantly create for ourselves and for others, we will cease becoming mere accumulators. And we will experience much more joy happiness and meaning in life. And as a byproduct you always have enough if you're constantly creating.
Jan 10, 202205:28
Frugal Workouts & Tom Brady Diet

Frugal Workouts & Tom Brady Diet

It's fascinating to think what you can do to have a healthy fit body when you use tools that are frugal. Have you ever noticed what Tom Brady and LeBron James do to be able to have 20-year careers at levels that have never been seen before? Does it cost a ton of money? No, not if you use tools that have already been bought and paid for by someone else. Use other people's exercise equipment, pools, massage chairs, and saunas.
Jan 03, 202207:16
Josh Becker's 5 Minute Money Advice

Josh Becker's 5 Minute Money Advice

Josh Becker is a thoughtful minimalist. His ideas on simplifying our life so that we can maximize our relationships are profound. In today's episode I share a few of his ideas on maximizing money and minimizing stress.
Dec 31, 202107:28
Snow Plows, Gumballs, and Hot Water Heaters

Snow Plows, Gumballs, and Hot Water Heaters

Problems turned to money. No ROI kids business turned to new business. And major repairs with level-headedness and generousity.
Dec 17, 202108:54
365 Books for $240 & Infinite ROI

365 Books for $240 & Infinite ROI

What if you wanted to listen to a book each and every day of the year? What's the lowest cost to be able to do something like that? A few years ago I tried to do just that. Browsing Amazon and Barnes & Noble I was able to find some of the best books in many different genres. And then I listened to some of them on my library app called Overdrive and many more on audible. What could you do in life if the initial cost was zero or very low? How much more could you invest and how much would your ROI be?
Dec 07, 202105:52
If I Were A Landlord

If I Were A Landlord

If you're a landlord of commercial buildings or duplexes or anything like that take note. Create a waiting list so you always know the next five to 15 people that want to rent from you. And definitely have some high-quality background reports available for each of your prospective tenants. And make sure that the lease money or rent money you're receiving doesn't just cover your mortgage, but it also will provide for major repairs and economic downturns.
Nov 22, 202106:36
Winning The Money Game

Winning The Money Game

What are the key takeaways from playing a fast version of Monopoly? Have you ever played Cover Your Assets and leared more from your children than from the game? And what version of Acquire is in your closet? The lessons from these iconic games will help you as you buy, sell, merge and acquire businesses.
Nov 17, 202106:33
Never Enough

Never Enough

Eric Hoffer said
"You can never get enough of what you don’t need.”
Contentment and gratitude alleviate the need to keep a accumulating more and more and more. Affluenza as talked about in the show several years ago doesn't have to attack us like a nasty virus. We can constantly increase our income, decrease our expenses and use the difference to invest and give to others.
Nov 08, 202105:47
The Biltmore Estate: Your Upkeep Shouldn't Be Your Downfall

The Biltmore Estate: Your Upkeep Shouldn't Be Your Downfall

Bill Earle said “If your outgo exceeds your income, then your upkeep will be your downfall.” The original Biltmore Estate bleed a millionaire dry. George Washington Vanderbilt built an estate near Asheville, North Carolina. It's beautiful to tour the gardens, the massive estate, but it's also a testament that when our wants exceed our income then no matter our income are upkeep will be our downfall. What expenses can you systematize and trim today so no matter your income you can live in such a way as to be a huge giver?
Nov 01, 202108:06
Dollar Store Grandmas

Dollar Store Grandmas

Ben Franklin taught "a fool and his money will soon part." So how can we be more wise with the money we have? In three states three grandmas taught me what it means to be frugal with the money that we've been afforded. Whether buying for birthday parties or buying the essentials a dollar store is a great metaphor for using money wisely so that it extends. Wholesale not retail, search and scour don't just buy at full mark-up.
Oct 28, 202105:13
Kiyosaki's Quadrant: Money Working For Money

Kiyosaki's Quadrant: Money Working For Money

One of the best practices to understand financial intelligence is to learn about your place in the Cash Flow Quadrant. In what ways are you currently earning money? And what is the best, most enjoyable way for you to have your money work for you?
Oct 11, 202107:37
Parlay Today

Parlay Today

Using a second car to make income through Uber or Lyft. Renting out a portion of your home as an Airbnb or as a rental. Maybe taking a single family residence and turning it into a fourplex. What can you parlay, take from making some money or no money and make into a massive asset?
Oct 06, 202106:10
The Big Tuna And A Little Herring

The Big Tuna And A Little Herring

Last week in Boston, Massachusetts I went fishing off the coast near Cape Cod. My brothers-in-law and I had a wonderful opportunity to see how a Tuna business is conducted. In today's episode I compare and contrast those who had residual ongoing income to offset their expenses to those who relied solely upon big scores.
Sep 29, 202106:37
The Man In The Ram

The Man In The Ram

Spending a few hours with a newfound friend taught me quite a few lessons about frugality. Perhaps a hotel or an Airbnb is not always in order, but rather maybe you could camp in the back of a covered truck. Or perhaps keeping a vehicle for several years and then buying one at an auction could save you tens of thousands of dollars.
Sep 20, 202105:39
15 Quotes On Wealth

15 Quotes On Wealth

He is rich or poor according to what he is, not what he has."
–Henry Ward Beecher

"There is nothing wrong with men possessing riches, the wrong comes when riches possess man."
–Billy Graham

"Rich people stay rich by living like they’re broke. Broke people stay broke by living like they’re rich."
–Unknown

"The only difference between a rich person and poor person is how they use their time."
–Robert Kiyosaki

"Gratitude is riches. Complaints is poverty."
–Doris Day
"Content makes poor men rich. Discontent makes rich men poor."
–Benjamin Franklin

"I make myself rich by making my wants few."
–Henry David Thoreau

"That man is richest whose pleasures are cheapest."
–Henry David Thoreau

"The greatest good you can do for another is not just to share your riches, but to reveal to him his own."
–Benjamin Disraeli

"The best investment you can make, is an investment in yourself. The more you learn, the more you earn."
–Warren Buffett
"You can’t fix a financial problem with money. You can only fix a financial problem by fixing yourself."
–Suze Orman

“More people should learn to tell their dollars where to go instead of asking them where they went.” -Roger Babson

“To get rich, you have to be making money while you’re asleep.” -David Bailey

“All riches have their origin in mind. Wealth is in ideas—not money.” -Robert Collier

“It’s not your salary that makes you rich, it’s your spending habits.” -Charles Jaffe
Sep 13, 202103:57
Grasshoppers, Air-Space and Assetize

Grasshoppers, Air-Space and Assetize

Looking at someone's budget recently I realized that the budget was focused on decreasing expenses instead of eliminating expenses and converting expenses into assets. How could your house become an asset? Your vehicle? In today's episode I share a few ideas on taking some of your highest cost liabilities and converting them to assets.
Sep 11, 202108:01
Returning Ice Cream

Returning Ice Cream

Who controls your spending? The limbic, lizard brain or your non-emotional self? How often do you pause before moving forward? And are you comfortable backing away from poor financial deals?
Aug 31, 202106:35
The 28 Year Old With Three Homes

The 28 Year Old With Three Homes

We often hear about the dramatic and the extreme,the quantum leaps in real estate investing. We're inundated with 1-800 numbers about getting rich in real estate. So it was with great delight that I talked to an ordinary person who taught me how he is about ready to take purchase of his third home. Him and his wife bought one home, and very pedestrian like began to pay it down before using some equity to buy another home. And now they're about ready to buy their third home. The homes are collectively worth over $1,000,000 and yet my friend is the sole income owner in his family and just recently became a citizen. What is your family doing daily to achieve your financial goals?
Aug 28, 202106:40
Hunted: Offense & Defense + Confrontation

Hunted: Offense & Defense + Confrontation

There's a fun TV show that my family absolutely loves. It's called Hunted. The show is about a group a former experts who search for about 10 teams of two people hiding in three southeastern states. The teams stand to earn over $200,000 if they avoid being caught for 30 days. As I watched the show I realized that the best teams have a couple things in common: they play great offense and defense and they openly confront each other and challenge each other not only to find a good solution but the best solution. Interestingly some teams use technology while other teams eschewed technology, but they often sought discussion to make ideas even better and to eliminate poor ideas.
Aug 14, 202108:33
Too Much DIY?

Too Much DIY?

In financial circles it's cool to talk about how much money you can save by DIY. But there's also a cost to DIY. Sometimes DIY means you're saving money but blowing time. If you hired your next project out so you can spend more time with your family would that be the frugal and right thing to do? Always question how much your time with your family is worth. Your most valuable asset is your family. And being frugal is commendable, well being cheap is silly.
Aug 03, 202105:35
Outdated Financial Advice?

Outdated Financial Advice?

If you study any books in the financial section of a bookstore you'll see a common theme. One financial guru will tell you to get deeply into debt so that you can have more money. Another financial guru will tell you that his advice that he's been giving for 20 years applies to each and every person irrespective of their current or future financial situation. He will tell you that his advice is the only advice that works. And yet another financial advisor will tell you there's only three needful steps to be financially free. Each financial guru seems to be selling a product that they feel is made for everyone. It's not true! There are many principles and ideas that can benefit your family. It's up to you to discover them from multiple sources and not put your trust in one financial guru.
Jul 31, 202106:54
Frugal Female Fashionistas

Frugal Female Fashionistas

One of my sisters reminded me of what it means to be frugal when you're shopping for fashion. Are you such good friends with a thrift store that you call Salvation Army Sally's? And have you heard about the woman who taught Ryan Davis how to be 80% more frugal by questioning, thinking researching and doing?
Jul 31, 202106:01
Principles of Financial Power

Principles of Financial Power

Best effective and lasting finincial advice I've ever received? It comes from sages. Be modest in expenditures. Discipline yourself to avoid debt. Establish reserves. Responsibility to manage finances shared between husband and wife with attitude of trust and openness. Save for unexpected & expected. Set financial goals. Be honest. Make sacrafices. Pay off debt as quickly as possible.
Jul 12, 202107:02