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The Frug Life

The Frug Life

By Ricky Hirschi
Welcome to the Frug Life, a podcast on Frugal living and business. There are a lot of business podcasts and a lot of frugal living podcasts, why does the world need another one? Well, I am tired of the same interview format podcast many of these programs take. So instead, I created a structured podcast where I can share my thoughts about Frugal living, the economy, and business.

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How to get 2% interest risk free ( when interest rates are close to zero)
In this episode, I talk about how I am earning higher interest than a traditional bank, it is with an app called Yotta Savings. You can get Yotta savings in either the App store or the Play store. Remember to use my Referral code Richard45 for bonus tickets! Referenced  material Music Credit The Purple Planet
October 13, 2020
Reducing Food Waste
In this episode on the Frug Life, I give 4 tips on Food waste. Also I share a section from the Frugal and Thriving podcast. Check out their blog here Tip one Cook what you have . Tip two Use the scraps Tip three Preserve what you can’t use. Or tip four, give it away Other mentioned links: Music Credit, the Purple Planet
October 6, 2020
How Am I Investing Right Now?
How am I investing right now? In short, I'm still investing in my 401k like usual, but I am also looking at some discretionary investments, I might not normally make.  Music Credit the Purple Planet And here are some resources I used in the show.
September 29, 2020
Is money everything?
In this episode, I discuss a question submitted by Daniel Cao, the SHOW’s number one fan! HE WAS NUMBER ONE! " Is money everything Mr. Frug? " Let's dive in. Music credit, the Purple Planet
September 22, 2020
What is the R&D tax credit?
This episode is part of the small business finance series I am working on.  So what is the history of the R&D credit? What is it? Learn all that today! Justin's Website: Music Credit: The Purple Planet 
September 15, 2020
What is Zero based budgeting really?
 What is Zero based budgeting and what should you do it? Sources Music Credit the Purple Planet
September 8, 2020
Transportation Tips
I answer the question "IS a Tesla worth the price? What if it's used?" from a twitter follower, Dan.  I talk about ways to save money on transportation.  Referenced material: Music Credit, the Purple Planet. WeBull Link: Disclaimer: No accounting or investment advice is provided in this show. All information is for general education. 
September 1, 2020
Frugal Video Games
I talk about how to save money on video games, play games for free, and even how to make some money on video games. Cash alarm App flame Rewarded Play Music Credit, the Purple Planet. WeBull Link:
August 25, 2020
Welcome to the Frug Life
Welcome to the Frug Life, a podcast on investing, saving, and earning money.  So who am I, and why I did start a podcast? All of that and more in this re-shooting of episode one. Music Credit The Purple Planet
August 18, 2020
My Speculation on Real Estate
In this episode I give a “stock trading idea” and speculate wildly about real estate. Music Credit, the Purple Planet My stock trading app of choice, Sofi! Sign up here and get $50, when you invest $1,000.
August 11, 2020
Graham Stephan: "How To Make Passive Income with $500"
I discuss Graham Stephan's  video "How To Make Passive Income with $500" as well as my thoughts and experiments attempting  his recommendations. Graham’s Video Sofi Link WeBull Robinhood Contact me Music credit the Purple Planet
August 4, 2020
Avoiding online Scams
I network a lot online and see a lot of online scams. How can you identify and avoid them? Music credit, the Purple Planet
July 28, 2020
Survivorship bias
What is Survivorship bias? In essence, looking at the successful, we might have a skewed idea of what is needed to succeed. Music Credit, The Purple Planet Twitter @TheFruglife IG @the_frug_life_podcast
July 21, 2020
Should I Invest in One Stock?
Is it a good idea to invest in a single stock?   Is it a good idea for me to pick individual stocks? Find out here. The Frug Life Blog Music credit the Purple Planet
July 14, 2020
Giving away money and right might actually be a frugal thing to do! Sources: Music Credit, the Purple Planet
July 7, 2020
Scheduling Note 2
The podcast will return to full force shortly.
June 30, 2020
Systemic Poverty
What is Systemic Poverty? I talk about race and wealth, how wealth is traditionally built in America and more. Sources: Music the Purple Planet
June 23, 2020
Scheduling Note
No Episode this week
June 9, 2020
5 Pieces of Dumb Financial Advice That Most People Believe
I discuss a article titled,  5 Pieces of Dumb Financial Advice That Most People Believe.  The article: Article 2 Investing advice Link to Webull, get a free stock when to deposit $100 Link to Robinhood, get a free stock with sign up and deposit. Hey! I'm using SoFi Invest 📊 to buy and sell stocks (and pieces of stocks) with zero fees. Open an Active Investing account with $1,000 or more, and you'll get $75 in stock. I'll get $75 in stock, too! Use my link: Music by the purple planet
June 2, 2020
Be Grateful
Sorry the episode is late. I reflect on one of the best free things in life. Music by the Purple Planet
May 26, 2020
Freedom Amidst the Virus
I share one reason the post-covid world isn’t going to be the same as the pre-covid world. Sources: My Book Music Credit: The purple Planet
May 19, 2020
Should you trade Forex?
In this episode I talk about how George Soros made over a billion dollars in the 90s. I explain what Forex is and answer the question, should you trade in it? Should you buy Forex signals? Sources: Music from the purple planet
May 12, 2020
Freelancing and Fiverr
In this episode I talk about my experiences using Fiverr and other freelance sites. I give some of my tips for using the sites to make the experience more enjoyable and profitable. Links: Fiverr Upwork Simbi My Book, a Real Money Book with tips on Freelancing Funny videos about using fiverr: Music Credit, the Purple Planet
May 5, 2020
Mrs. Frug's Thoughts on Frugal Living
Mrs. Frug talks about her experience being frugal.  Music Credit The Purple Planet
April 28, 2020
Futures and options
In this episode I discuss the following questions from wallstreetcalls on Instagram 1) Do you do any options trading? If so, what is your options strategy? 2) What is your overall investment strategy/how do you allocate/diversify? 3) If you had to choose between the two during this crisis, would you: A) increase your 401k contribution to indices like S&P500 OR B) would you keep your contribution as is? 4) What would your advice be to a 55 year old with no retirement or savings accounts. (Their employer doesn’t offer a 401k). They are able to save $100 per month. 5) Have we seen the “bottom” from coronavirus fall out? And how are you protecting your investments during this time?
April 21, 2020
Cook What You Have
I tips on my cooking strategy and mentality.  Referenced in the show: Pat Flynn Adam Ragusea Instagram Music from the Purple Planet
April 14, 2020
My thoughts on Money Master the Game
In this episode I talk about the book Money Master the Game by Tony Robins. Learn the Secrets that the wealthy do to invest their money!  Source: Music Credit the Purple Planet
April 7, 2020
Fomo and why you might need to sell
In this episode I talk about the Fear of missing out and when you might need to sell in a downmarket. Music credit the Purple Planet
March 31, 2020
Runs and Routs
In this episode I talk about Taxhawk, the tax software I use. Why runs on food happen.  And what a rout is and why it might relate to our current situation. Free tax filing: Routing Source: Resources for your business: My book: Music Credit: The Purple Planet Sign up for your own investment account here. WeBull RobinHood Sofi Also, if you use Taxhawk, use the promo code TAXHAWK25 for a discount
March 24, 2020
Buy Buy Buy
With volatility in the market should you sell? My answer is no! In fact, I am buying more stock at this time. Music Credit the Purple Planet
March 17, 2020
What is Greed? What is rational self interest? Does it help the economy? And thanks Daniel for the app suggestion last week! Music Credit, the Purple Planet
March 10, 2020
Coronas, Stocks, and Vons
In this episode I talk about Corona virus and the stock market as well as some apps to save money on groceries and fast food. Note, this is not personalized investment advice and is for general education purposes only.  Sign up here! Music Credit:
March 3, 2020
Retirement has changed
Retirement isn't the same as it once was. In the olden days, a company would pay for your retirement with a pension. Now days, you are in charge of managing your investments and ensuring you have enough for retirement. Roth IRA Episode  Music by the Purple Planet
February 25, 2020
Health Savings Account
What is a health savings account? How can it help you pay less in taxes?
February 18, 2020
How To Turn $100 into $1 Million
Graham's Video My Book Music Credit: The purple planet
February 11, 2020
The No. 1 thing people with fat savings accounts scrimp on that you likely don’t
I talk about an article I found about saving and share my thoughts. The article Voat tips The facebook post My Book Excerpt from my next book Music Credit: The purple planet
February 4, 2020
Ramit Sethi's I will teach you to be Rich
My thoughts on the book I will teach you to be Rich and a brief overview. Music by the Purple Planet.
January 28, 2020
Status update from Andrew and a Real Money Book
Learn about Andrew new app, Desolate Ruins, in the google play store! Also learn about my new book on Amazon, a Real Money Book, where I show how to make money with little effort and investment. The book is $3 and will pay for itself almost instantly. Music Credit: The purple planet
January 21, 2020
Tax credits you may find useful
In this episode I talk about some tax credits that may help you.  Specifically the child tax credit and child care credit,  the earned income credit, and the renter's credit in California. Sources: My Book Music Credit to Purple Planet
January 14, 2020
Dave Ramsey's Financial Peace Revisited
I want to share some of my perspectives on Dave’s book and talk about where Dave and I disagree and agree. Ultimately, I recommend reading this book yourself, it has great idea for budgeting and inspiring information on personal finance. Music Credit, the purple Planet
January 7, 2020
My income sources ( non financial)
Where's all my money coming from? In short, Blogs, this podcast,  Book sales and more. You can see all my blogs at My book is also available at music credit to purple planet
December 31, 2019
Tips for someone with Fixed Monthly Income
Tips for someone under SSDI The big takeaways are Know what you are spending on what each month. You can do it in google sheets like me, or use another tool that helps automate it, lime mint. Have an emergency fund. Emergencies come up, be ready. 3-6 months of expenses is ideal Invest the excess, just saving money isn’t enough, you need to invest it. In fact, due to inflation, you money may even lose value if it is just in a bank account. And there are almost always ways to make a little more money. Making money doesn’t have to be draining, you can find more enjoyable ways to do it. Music Credit to the purple planet
December 24, 2019
A Frugal Spell???
Ricky teaches how MAGIC can help you be FRUGAL!?!? What?  The Tumblr post Sign up for WeBull or Robinhood, earn some free stock! Music Credit:
December 17, 2019
Should you focus on increasing your income or lowering expenses?
I share perspectives from Ramit Sethi and Grant Cardone on the subject. Ultimately, I think it is easier to manage your expensive, while it is probably more important to raise your income. Of course it depends on your individual situation. Infact, all personal finance does, that is why it is personal. Ramit Sethi Tweet on Gurus My book Music Credit to Purple Planet
December 10, 2019
Investments vs Vehicles for Investment
I saw this article online and it irritated me a bit. First it talks about how you can invest and choose your stocks. It continues and says to invest in a 529 or roth ira etc. However these are not really investments, they are vehicles for investment. Let's talk about that. So in your roth ira, you can invest in stocks or bonds or whatever you want. There are even options to invest in real estate, but I'm not an expert on that. The point is, you don't really invest in an ira, that's just the vehicle for your investment. You can pick the actual investment and even change to another one.
December 4, 2019
Travel Tips (Flights, Hotels, etc)
In this episode I share some travel tips regarding traveling and booking hotels. My American express referral link: Apply for an American Express Card with this link. We can both get rewarded if you're approved! EACH FRIEND CAN EARN 60,000 Bonus Miles after they use their new Gold Delta SkyMiles® Credit Card to make $2,000 in purchases within the first 3 months of Card Membership and a $50 Statement Credit after they make a Delta purchase with their new Card within the first 3 months of Card Membership. Limited Time Offer ends 1/29/2020. Your friend will be able to choose from all available American Express Personal and Business Card offers. You can receive your referral bonus no matter what Card your friend is approved for. My AirBnB link Music by the Purple Planet
November 26, 2019
Investing in real estate investing in distressed locations plus voat part 2
I discussing real estate investing in  distressed areas as well as some additional questions from Voat. "How does one deal frugally with unavoidable expenses (legal fees, emergency room visits, etc.)? How does someone of modest wealth defend against predatory behavior from the wealthy? Are there some things that simply require a certain amount of currency? What alternatives exist to traditional internet/cell/telephone contracts? How can frugality allow us to live more spiritual lives, less focused on material gain?" References: Music by the purple planet
November 19, 2019
Voat Questions, small home living and more.
I address some questions on Voat: What are some frugal/alt housing situations, something beyond a yurt or a tiny house?What really works? What is scalable? How should one go about finding an affordable plot of land? How can one survive without a job? If I ditch my car for a motorcycle, how much will I save? What will I do when it snows? Links House hacking Link to book: Lighthouse listing Work Online Music by the Purple Planet
November 12, 2019
Tips at Disneyworld and other parks
I give some tips for Disneyworld and other parks.  Link to book: Music Credit, the Purple Planet
November 5, 2019
A Graham Stephan Video, Millionaire Financial Advice
I talk about a youtuber I like, Graham Stephan, as well as another video The Contrepreneur Formula Exposed. I went to a conference recently and saw some similarities.  Millionaire Financial Advice For 18-35 Year Olds | Millennial Money The Contrepreneur Formula Exposed Music Credit to the Purple Planet.
October 31, 2019
Which bank should I use online?
In this episode I cover the banks I use and I give a quick status update on the podcast.  My channel Capital One promo code
October 22, 2019
Oopsy, I don't have my recording equipment with me
New episodes should resume shortly. Maybe 2-3 weeks. 
October 15, 2019
Life in Mexico, Interview with David and Dana Hagstrom
I interview David and Dana Hagstrom who have moved to Mexico to retire. We talk about international travel, retirement, starting your own business, and more! They wanted to share some links with you: For folks that want a taste of our coaching, see For those interested in retirement, check out Our Websites: – this is where you’ll find all our newest articles, videos, tips, and training. - retirement tips and resources On FaceBook: On Twitter: On YouTube: On Instagram:
October 11, 2019
What happens when I get paid
I share sometips from users on the website Voat. I also share what happens to my cash when I get a paycheck and how I manage my money.
September 24, 2019
Prenups and post cards
I discuss how a prenup could help my friend’s financial situation. Additionally, I talk about how to get a free custom postcard! My vlog Free postcards 3 month Financial statements for the blog and podcast
September 17, 2019
More food tips
I share more tips on saving money on food!
September 10, 2019
Status update and retiring at 55
In this Episode I answer a listener question on withdrawing from a 401k at age 55 and other questions about retirement. I talk about the plans for the podcast and my upcoming trips.
September 3, 2019
WeWork and Big announcement
I share my thoughts on WeWork for a Solopreneur. As well a big announcement for the podcast. Equifax hack episode Listing of class actions suits Add we work ref code NPR at WeWork The YouTube channel Music by the Purple Planet
August 27, 2019
Instagram stories
I discuss a question someone on Instagram, how to get started investing.  I also share some stories of interactions on Instagram as well as more contest details.  Leave a review on the podcast app of your choice for a chance to win a $25 gift card.
August 20, 2019
The 3 Pillars of the Podcast and fruit/smoothie tips
  My dollar tree episode Investing episodes My ebook  Here are some of the resources used in the show, enjoy! Sign up here! Music Credit: 
August 13, 2019
Roth IRA
I talk about a Roth IRA, employing a child, and tax avoidance vs evasion.   Music Credit:
August 6, 2019
Earn $125 in 5 minute ( Equifax hack settlement)
  I talk about a way to make 125 in just 5 minutes ( hint, it's due to the Equifax hack.) I talk briefly about the book Crush it by Gary Vee. Lastly I talk about my adventure getting a smog check and harvesting berries.    Music Credit:    Robinhood Audible link
July 30, 2019
Why I am podcasting
In this episode I cover why I am podcasting vs just blogging. I use a clip ( with permission) from the Smart Passive Income podcast, which I recommend listening to. I also talk a little about some of my other projects, like my blogs. Check them all out here.   Music Credit: 
July 23, 2019
Taxes on investments and Tolls
Are you worried about your taxes regarding your investments? I cover some of the basic principles regarding taxes on investments. I also share some thoughts of tolls. Some of the services I recommend in the episode   Music Credit: 
July 16, 2019
Travel tips for the Philippines
Ricky has a discussion with his friend Andrew. They cover travel tips to the Philippines and check in on Andrew's status as a software developer as well as current passive income earnings.
July 9, 2019
Frugality on Reddit and Spousal Spending Habits
In this episode, I talk about some of my favorite subreddits that help me be frugal. Also, I answer a listener question about how to deal with a spouse's spending habits.  Join the community I mention in the episode here:  Like the episode says, follow me on Social Media My Email Music Credit:
July 2, 2019
My college and savings
In this episode, I talk about my story going to college,  and which savings accounts to use. Links: We bull Robinhood Charles swcab My Email Music Credit: 
June 25, 2019
Should I invest in two stocks?
In this episode I discuss a listener question, should I invest in just two specific stocks? The short answer is no.  Robinhood, join today, get some free stock. Audible link get two free audio books! Music Credit: 
June 18, 2019
Step Zero to Investing, Reading the News
  In this episode I talk about the benefits to being informed. I recommend two services, The Brew, and The Hustle. Referral links and other references: Music Credit:
June 11, 2019
Reading and the Country
In this episode, I talk about the joys of reading and speculate about which Elon Musk Project will revolutionize the world first.  I also talk about my predictions about the changes in population dynamics surrounding cities.  These are all just my opinions and shouldn’t be construed as advice. Leave my a recording here! Support the show here Music Credit:
June 4, 2019
Budgeting Advice and Credit Cards
In this episode I share my thoughts on budgeting and using credit cards. Most budgeting advice is total nonsense, splitting money between a food fund, a laundry fund, a fun fund, etc. I have a much simpler system.  I personally use a Quicksilver cash back card and you can get one too.  Capital one:  Sign up for Capital one card yourself! If you are approved I get $100. This is a great way to support the show! Survey Music Credit: Leave me a message! Email
May 27, 2019
Bitcoin as an investment
  In this Episode I discuss bitcoin and other cryptocurrency as an investment, and ways to actually invest cryptocurrency to generate a return on investment.  Sources: Bitcoin blog: Link to Ebook Survey Music Credit:
May 21, 2019
Cleaning and Dollar Tree
 I talk about tips for cleaning your house cheap, frugal laundry tips,  and shopping at the dollar store. Go to  for my full dollar store food review. Survey My Email Music Credit: Chicken Adobo recipe
May 18, 2019
Birthdays and San Francisco on the cheap
 Want to learn a few tricks to get free stuff on your birthday? And no, not from your parents! Well take a listen. Also in today's episode are a few tips for a vacation in San Francisco, all part my  most recent frugal life adventures.  Show notes Survey My Email Music Credit:
May 7, 2019
Robinhood and Investing in US stocks
Should you invest in US equities? Short answer, yes! I go through some of the ways you can and should invest. Note, this is not personalized investment advice and is for general education purposes only. Here are some of the resources used in the show, enjoy! Sign up here! Survey My Email Music Credit: Sponsor of the show, BTC+ Sources:
April 30, 2019
Apps to find free food
 In this episode, I go over tips on how I spent less than $20 on food for two people. I also talk about some apps that can help you get free food! I am running a survey looking for feedback on the blog and the podcast, link will be in the show notes ( right here!). It will be super short and the survey will guide you through the steps and you will have a chance to win an Amazon gift card. Probably not a huge gift card, as I’m not making too much on this podcast yet, but something. Olio:  LunchBox:    Survey My Email Music Credit:
April 23, 2019
Welcome to The Frug Life
 An introduction to me and the podcast. I am almost a CPA, a big 4 auditor, a blogger, and now a podcaster.  I managed to get out of grad school not only debt free, but with some savings as well! This podcast is my tips and tricks to living frugally as well as investing. In this episode we discuss the mindset of always looking for a deal, and I give a few service recommendations. Related blog post Music Credit: My Book: Questions or other thoughts? Email: Trade your skills for services! Offer a service using my link —> to start with 75 credits which can be exchanged for any service on Simbi — the world’s largest service-trading network!
April 17, 2019