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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.


Also follow us at www.facebook.com/TheFrugLife
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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. https://www.withyotta.com/ Remember to use my Referral code Richard45 for bonus tickets! Referenced  material https://www.youtube.com/watch?v=Fe1uWBSnzLw https://www.youtube.com/watch?v=466P4UPXco8 Music Credit The Purple Planet
07:59
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 https://www.frugalandthriving.com.au/ 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: https://www.youtube.com/watch?v=y24I91gNiTU http://anotherboringlifestoryblog.blogspot.com/2016/11/rickys-fried-rice.html Music Credit, the Purple Planet
10:37
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. https://ritholtz.com/2020/09/unprecedented/ https://www.youtube.com/watch?v=znIZznswGTs https://www.youtube.com/watch?v=RwSxIPfn3rA https://www.youtube.com/watch?v=aaaEy8MQOd8 https://www.youtube.com/watch?v=Vomb4G_z9lE
10:01
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
07:57
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: https://www.biglifefinancial.com/researchcredits Music Credit: The Purple Planet 
08:22
September 15, 2020
What is Zero based budgeting really?
 What is Zero based budgeting and what should you do it? Sources https://www.daveramsey.com/blog/how-to-make-a-zero-based-budget https://www.investopedia.com/terms/z/zbb.asp Music Credit the Purple Planet
07:47
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: https://www.youtube.com/watch?v=kWvs5H32Oyc Music Credit, the Purple Planet. www.suport.thefruglife.com WeBull Link: https://act.webull.com/i/TwIJ8klybvIo Disclaimer: No accounting or investment advice is provided in this show. All information is for general education. 
13:48
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. https://www.reddit.com/r/FreeGameFindings/ https://play.google.com/store/apps/details?id=com.blast.blast&hl=en_US Cash alarm App flame Rewarded Play Music Credit, the Purple Planet. www.suport.thefruglife.com WeBull Link: https://act.webull.com/i/TwIJ8klybvIo
07:57
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
08:57
August 18, 2020
My Speculation on Real Estate
In this episode I give a “stock trading idea” and speculate wildly about real estate. https://anchor.fm/thefruglife/episodes/Reading-and-the-Country-e479uv Music Credit, the Purple Planet My stock trading app of choice, Sofi! Sign up here and get $50, when you invest $1,000. https://www.sofi.com/share/invest/2588771
07:26
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 https://www.youtube.com/watch?v=DajKPbotAdo Sofi Link https://www.sofi.com/share/invest/2588771 WeBull https://act.webull.com/i/TwIJ8klybvIo Robinhood http://share.robinhood.com/richarh220 Contact me Ricky@thefruglife.com Music credit the Purple Planet
08:41
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? Ricky@thefruglife.com https://www.instagram.com/the_frug_life_podcast https://twitter.com/TheFrugLife Music credit, the Purple Planet
09:45
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.  https://www.bloomberg.com/billionaires/ https://www.youtube.com/watch?v=RrOcdnRYuo4 Music Credit, The Purple Planet Twitter @TheFruglife https://twitter.com/TheFrugLife IG https://www.instagram.com/the_frug_life_podcast/?hl=en @the_frug_life_podcast
08:04
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 https://www.thefruglife.com/ Music credit the Purple Planet
11:10
July 14, 2020
Charity
Giving away money and right might actually be a frugal thing to do! Sources: https://www.buzzfeednews.com/article/ryanmac/black-lives-matter-foundation-unrelated-blm-donations Music Credit, the Purple Planet
07:48
July 7, 2020
Scheduling Note 2
The podcast will return to full force shortly.
00:39
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: https://www.washingtonpost.com/opinions/dont-deny-the-link-between-poverty-and-single-parenthood/2018/03/18/e6b0121a-2942-11e8-b79d-f3d931db7f68_story.html https://www.pbs.org/wgbh/frontline/article/how-poverty-can-follow-children-into-adulthood/ https://www.youtube.com/watch?v=xvQ1V2WLJt0&feature=share&fbclid=IwAR3MsdnuaK8nGCrj71JeGl-GKsltUOcCM69adyAOXGrBkZOdPm7tbrYpXoQ https://www.facebook.com/watch/?v=2529359743953445 Music the Purple Planet
13:00
June 23, 2020
Scheduling Note
No Episode this week
00:40
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: https://sage.money/2020/05/5-pieces-of-dumb-financial-advice-that-most-people-believe/?fbclid=IwAR1HJD42M-jShMTERmdeTsZL4I1AfuhIX56hX8uKF5brGW-F5W0iFlXoeho Article 2 https://sage.money/2020/05/anyone-born-before-1989-should-take-advantage-of-these-5-money-tricks/ Investing advice https://www.cnbc.com/2020/05/22/warren-buffett-most-people-shouldnt-pick-single-stocks.html?fbclid=IwAR31SgAWuZF-PWJl9EtiDgJwwOgnjzovuq3kiVbOzwaYnd14dHYp2TtP0bY Link to Webull, get a free stock when to deposit $100 https://act.webull.com/i/TwIJ8klybvIo Link to Robinhood, get a free stock with sign up and deposit. http://share.robinhood.com/richarh220 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: https://www.sofi.com/share/invest/2588771 Music by the purple planet
09:09
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
06:35
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: https://www.bbc.com/news/world-us-canada-52311877 https://www.npr.org/transcripts/852861231 My Book https://amzn.to/2ABimU3 Music Credit: The purple Planet
08:26
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? https://anchor.fm/thefruglife/episodes/Futures-and-options-ecm2ie Sources: https://www.investopedia.com/terms/forex/m/majors.asp https://www.youtube.com/watch?v=uScH7xktWKM https://moneyfortherestofus.com/214-trade-currencies-forex/ https://www.investopedia.com/ask/answers/08/george-soros-bank-of-england.asp https://www.thebalance.com/black-wednesday-george-soros-bet-against-britain-1978944 Music from the purple planet
13:57
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: https://www.youtube.com/watch?v=uScH7xktWKM https://www.youtube.com/watch?v=ROXWNtoW45Y https://www.youtube.com/watch?v=OPLSrEePWm0 https://www.youtube.com/watch?v=U6Og9wtO9jE Music Credit, the Purple Planet
11:36
May 5, 2020
Mrs. Frug's Thoughts on Frugal Living
Mrs. Frug talks about her experience being frugal.  Music Credit The Purple Planet
10:37
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?
10:04
April 21, 2020
Cook What You Have
I tips on my cooking strategy and mentality.  Referenced in the show: Pat Flynn https://www.youtube.com/watch?v=B7GrvFa_erU Adam Ragusea https://www.youtube.com/watch?v=UNHtj7QtCdk Instagram https://www.instagram.com/the_frug_life_podcast/ Music from the Purple Planet
09:38
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: https://www.slickcharts.com/sp500 Music Credit the Purple Planet
17:23
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
08:01
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: https://www.irs.gov/filing/free-file-do-your-federal-taxes-for-free Routing Source: https://www.youtube.com/watch?v=1OsLESoAGg0 Resources for your business: https://www.smartpassiveincome.com/online-business-toolkit/ My book: https://amzn.to/3aaTVK4 Music Credit: The Purple Planet Sign up for your own investment account here. WeBull https://act.webull.com/i/TwIJ8klybvIo RobinHood http://share.robinhood.com/richarh220 Sofi https://www.sofi.com/share/invest/2588771 Also, if you use Taxhawk, use the promo code TAXHAWK25 for a discount
09:22
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. https://moneyfortherestofus.com/290-what-are-closed-end-funds/ Music Credit the Purple Planet
08:54
March 17, 2020
Greed
What is Greed? What is rational self interest? Does it help the economy? And thanks Daniel for the app suggestion last week! https://twitter.com/TheFrugLife www.facebook.com/TheFrugLife https://www.instagram.com/the_frug_life_podcast Music Credit, the Purple Planet
08:04
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! https://act.webull.com/i/TwIJ8klybvIo http://share.robinhood.com/richarh220 Music Credit: https://www.purple-planet.com
09:06
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
08:54
February 25, 2020
Health Savings Account
What is a health savings account? How can it help you pay less in taxes?
08:03
February 18, 2020
How To Turn $100 into $1 Million
Graham's Video https://www.youtube.com/watch?v=btJzJSgEuXo My Book Music Credit: The purple planet
10:47
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
07:04
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.
08:42
January 28, 2020
Status update from Andrew and a Real Money Book
Learn about Andrew new app, Desolate Ruins, in the google play store! https://play.google.com/store/apps/details?id=com.FaerieGameStudio.DesolateRuins&hl=en_US 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. https://amzn.to/2TJsul8 Music Credit: The purple planet
08:09
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: https://www.ftb.ca.gov/file/personal/credits/nonrefundable-renters-credit.html https://www.nerdwallet.com/blog/taxes/qualify-child-child-care-tax-credit/ My Book https://amzn.to/2FLL4kt Music Credit to Purple Planet
09:23
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
08:33
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 rickyhirschi.com My book is also available at https://amzn.to/2ZuLULw music credit to purple planet
08:08
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. https://anchor.fm/thefruglife/episodes/Investments-vs-Vehicles-for-Investment-e9b1us https://anchor.fm/thefruglife/episodes/Roth-IRA-e4r62f https://anchor.fm/thefruglife/episodes/Robinhood-and-Investing-in-US-stocks-e3s011 Music Credit to the purple planet
09:09
December 24, 2019
A Frugal Spell???
Ricky teaches how MAGIC can help you be FRUGAL!?!? What?  The Tumblr post https://themanicnami.tumblr.com/post/157181019354/simple-money-saving-spell Sign up for WeBull or Robinhood, earn some free stock! https://act.webull.com/i/TwIJ8klybvIo http://share.robinhood.com/richarh220 Music Credit: https://www.purple-planet.com
06:21
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 https://www.youtube.com/watch?v=XY5SeCl_8NE Tweet on Gurus https://twitter.com/TheFrugLife/status/1202441087106736135 My book https://amzn.to/36kWVRx Music Credit to Purple Planet
08:01
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. https://www.forbes.com/sites/jrose/2019/10/22/how-to-invest-1000-dollars/amp/ https://www.youtube.com/watch?v=1OHVzmzXA3A
06:43
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! http://refer.amex.us/RICHAHMTbb?xl=cp01 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
09:24
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: https://www.reddit.com/r/RealEstate/comments/1vzfvs/how_much_would_it_cost_to_buy_up_a_city_block_or/ https://www.youtube.com/watch?v=kW76liexoBY Music by the purple planet
14:03
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 https://www.youtube.com/watch?v=PobcKgC2QFg Link to book: https://amzn.to/2NdUvxJ https://smartasset.com/mortgage/buying-land Lighthouse listing https://realestatesales.gov/gsaauctions/aucdsclnk?sl=PEACH419003001 Work Online https://www.reddit.com/r/WorkOnline/ Music by the Purple Planet
11:35
November 12, 2019
Tips at Disneyworld and other parks
I give some tips for Disneyworld and other parks.  Link to book: https://amzn.to/2NdUvxJ Music Credit, the Purple Planet
05:19
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 https://www.youtube.com/watch?v=TPX_OTvGk9k The Contrepreneur Formula Exposed https://www.youtube.com/watch?v=vC5cmW8O3L8 Music Credit to the Purple Planet.
06:42
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 https://www.youtube.com/channel/UCA0Q5lakuMY-Md-lXWZjjjA? Capital One promo code https://capital.one/2UKURQR
04:17
October 22, 2019
Oopsy, I don't have my recording equipment with me
New episodes should resume shortly. Maybe 2-3 weeks. 
00:20
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 https://www.davidndana.com/solution For those interested in retirement, check out https://www.davidndana.com/Ideal Our Websites: http://davidndana.com – this is where you’ll find all our newest articles, videos, tips, and training. http://wishtoretire.com - retirement tips and resources On FaceBook: https://www.facebook.com/AskDavidnDana On Twitter: https://twitter.com/DavidnDana On YouTube: https://www.youtube.com/AskDavidnDana On Instagram: https://www.instagram.com/DavidnDana
32:02
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.
13:52
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 https://www.youtube.com/channel/UCA0Q5lakuMY-Md-lXWZjjjA Free postcards https://www.mypostcard.com/en/address/AnotherBoringYoutubeChannelzEnU 3 month Financial statements for the blog and podcast https://www.thefruglife.com/2019/09/the-frug-life-quick-update.html
06:31
September 17, 2019
More food tips
I share more tips on saving money on food!
08:29
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. https://www.thebalance.com/what-is-the-rule-of-55-2894280 https://www.youtube.com/channel/UCA0Q5lakuMY-Md-lXWZjjjA
10:53
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 https://anchor.fm/thefruglife/episodes/Earn-125-in-5-minute--Equifax-hack-settlement-e4onea Listing of class actions suits https://www.consumer-action.org/lawsuits/by-status/open Add we work ref code https://refer.wework.com/i/RickyHirschi NPR at WeWork https://www.npr.org/2019/06/04/729768929/all-wework-and-no-play The YouTube channel https://www.youtube.com/channel/UCA0Q5lakuMY-Md-lXWZjjjA Music by the Purple Planet
14:42
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.
06:55
August 20, 2019
The 3 Pillars of the Podcast and fruit/smoothie tips
  My dollar tree episode https://anchor.fm/thefruglife/episodes/Cleaning-and-Dollar-Tree-e416mp Investing episodes https://anchor.fm/thefruglife/episodes/Should-I-invest-in-two-stocks-e4bn32 https://anchor.fm/thefruglife/episodes/Robinhood-and-Investing-in-US-stocks-e3s011 My ebook  https://www.amazon.com/Real-Money-Book-Beginners-Passive-ebook/dp/B07L23SGSV/ref=pd_ybh_a_3?_encoding=UTF8&psc=1&refRID=5S5KTBAX89E5CX2XEXQC  Here are some of the resources used in the show, enjoy! Sign up here! https://act.webull.com/i/TwIJ8klybvIo http://share.robinhood.com/richarh220 Music Credit: https://www.purple-planet.com 
12:40
August 13, 2019
Roth IRA
I talk about a Roth IRA, employing a child, and tax avoidance vs evasion.   https://www.schwab.com/public/schwab/nn/refer-prospect.html   Music Credit: https://www.purple-planet.com
11:34
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.   https://eligibility.equifaxbreachsettlement.com/en/eligibility    Music Credit: https://www.purple-planet.com    Robinhood http://share.robinhood.com/richarh220 Audible link
08:12
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.  http://anotherboringlifestoryblog.blogspot.com   http://btcplus.blogspot.com   https://www.thefruglife.com/   https://mindsalivation.blogspot.com/  Ricky@thefruglife.com   Music Credit: https://www.purple-planet.com 
11:05
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  https://www.taxhawk.com   http://share.robinhood.com/richarh220   Music Credit: https://www.purple-planet.com 
12:59
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.
16:31
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:  https://old.reddit.com/r/YourFreedomLifestyle/  Like the episode says, follow me on Social Media  https://twitter.com/TheFrugLife   https://www.facebook.com/TheFrugLife/    https://www.instagram.com/the_frug_life_podcast/ My Email thefruglife@rickyhirschi.com Music Credit: https://www.purple-planet.com
08:12
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 thefruglife@rickyhirschi.com Music Credit: https://www.purple-planet.com 
10:51
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. http://share.robinhood.com/richarh220 Audible link get two free audio books! Music Credit: https://www.purple-planet.com 
07:20
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: morningbrew.com/?kid=9479a7 http://ambassadors.thehustle.co/?ref=95291ae44f https://anchor.fm/thefruglife/episodes/Robinhood-and-Investing-in-US-stocks-e3s011 http://share.robinhood.com/richarh220 Music Credit: https://www.purple-planet.com
07:19
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. ricky@thefruglife.com Leave my a recording here! https://anchor.fm/thefruglife/message Support the show here https://anchor.fm/thefruglife/support Music Credit: https://www.purple-planet.com
10:07
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! https://capital.one/2UKURQR Survey https://docs.google.com/forms/d/e/1FAIpQLSeZ-RvVTsqCete_lbmtVlVW8rFx5edJG3k_dmL5oYwsUFc3Cw/viewform?usp=sf_link Music Credit: https://www.purple-planet.com Leave me a message! https://anchor.fm/thefruglife/message Email Ricky@thefruglife.com
07:29
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: https://www.buybitcoinworldwide.com/anonymity/ https://www.cnbc.com/2014/03/14/buffett-blasts-bitcoin-as-mirage-stay-away.html Bitcoin blog: http://btcplus.blogspot.com/ Link to Ebook https://payhip.com/b/oh7a Survey https://docs.google.com/forms/d/e/1FAIpQLSeZ-RvVTsqCete_lbmtVlVW8rFx5edJG3k_dmL5oYwsUFc3Cw/viewform?usp=sf_link Music Credit: https://www.purple-planet.com
09:02
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  https://www.thefruglife.com/2019/05/best-dollar-tree-foods.html  for my full dollar store food review. Survey https://docs.google.com/forms/d/e/1FAIpQLSeZ-RvVTsqCete_lbmtVlVW8rFx5edJG3k_dmL5oYwsUFc3Cw/viewform?usp=sf_link My Email thefruglife@rickyhirschi.com Music Credit: https://www.purple-planet.com Chicken Adobo recipe  http://www.thecookingguy.com/stcg-online-stcgo-episodes/2018/1/9/easy-chicken-adobo
07:14
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 https://docs.google.com/forms/d/e/1FAIpQLSeZ-RvVTsqCete_lbmtVlVW8rFx5edJG3k_dmL5oYwsUFc3Cw/viewform?usp=sf_link My Email ricky@thefruglife.com Music Credit: https://www.purple-planet.com https://www.bradsdeals.com/blog/free-birthday-meals Btcplus.blogspot.com
07:23
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! https://act.webull.com/i/TwIJ8klybvIo http://share.robinhood.com/richarh220 Survey https://docs.google.com/forms/d/e/1FAIpQLSeZ-RvVTsqCete_lbmtVlVW8rFx5edJG3k_dmL5oYwsUFc3Cw/viewform?usp=sf_link My Email thefruglife@rickyhirschi.com Music Credit: https://www.purple-planet.com Sponsor of the show, BTC+ btcplus.blogspot.com Sources: https://www.daveramsey.com/blog/the-12-reality https://www.investopedia.com/ask/answers/042415/what-average-annual-return-sp-500.asp https://ycharts.com/indicators/sandp_500_1_year_return
12:00
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:  https://play.google.com/store/apps/details?id=com.olioex.android&hl=en_US  LunchBox:  https://play.google.com/store/apps/details?id=com.roberts.lunchbox    Survey https://docs.google.com/forms/d/e/1FAIpQLSeZ-RvVTsqCete_lbmtVlVW8rFx5edJG3k_dmL5oYwsUFc3Cw/viewform?usp=sf_link My Email thefruglife@rickyhirschi.com Music Credit: https://www.purple-planet.com
06:37
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 https://thefruglife.blogspot.com/2018/11/welcome-to-blog-lemonade.html Music Credit: https://www.purple-planet.com My Book: https://amzn.to/2Z6dFs7 Questions or other thoughts? Email: thefruglife@rickyhirschi.com Trade your skills for services! Offer a service using my link —> https://simbi.com/ricky-h/welcome to start with 75 credits which can be exchanged for any service on Simbi — the world’s largest service-trading network!
06:21
April 17, 2019