
The Frug Life
By Ricky Hirschi
Also follow us at www.facebook.com/TheFrugLife


How to Price Anything
In this episode I talk about three ways to value anything.
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You Have to Want to
In this episode I talk about how you can only teach the willing and talk about some of the basics of personal finance.
Sponsor Link, Leaf Bound Review
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2025 State of the Podcast
I give an update on the state of the podcast.
Thank you to our friends at Leaf Bound Review for Sponsoring this episode of the show. Get a free book review at https://leafboundreview.blogspot.com/
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Mangus Carlson and Passive Investing
In this episode I talk about the best chess player of all time Mangus Carlson and how the world has become more competitive. I relate this to the rise of passive investing
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New Dollar tree Crosspost from Ricky Rambles
See more of Ricky Rambles
https://shows.acast.com/ricky-rambles
I visit a Dollar tree converted from a 99 cent only store.
Music by the purple planet.

Should you Shop on Temu? (xpost Ricky Rambles)
A crosspost from my other podcast, Ricky Rambles.
https://feeds.acast.com/public/shows/63cc3e8b36308100109086aa
Ricky rambles about Temu
🔥 Hot deals just a click away! Get free gifts at https://temu.to/k/unp50gd9sd7! Experience the joy of free shipping and free returns within 90 days!✅
Another surprise for you! Click https://temu.to/k/uv24rv0vvpk to earn with me together🤝!
Music By the Purple Planet

"How I Became A Millionaire On Low Income"
I talk about the video, How I Became A Millionaire On Low Income. https://www.youtube.com/watch?v=Fpkm3Ceoj_g
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First Investing Steps
In this episode I talk about taking your first investment steps. I think I wrote the script in 2019, so it was interesting to see how some of my opinions have changed over time.
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Sofi
https://www.sofi.com/share/invest/2588771
Robinhood
https://join.robinhood.com/richarh220/?
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Dave Ramsey Cruise Xpost from Ricky Rambles
I talk about an ad I saw for a Dave Ramsey Cruise
Watch my other Podcast, Ricky Rambles
https://feeds.acast.com/public/shows/ricky-rambles
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Retirement
I talk about retirement plans.
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DINKWAD: Woof or Woof-Woof for Your Wallet?
Summary:
Ever heard of a DINKWAD? This episode dives into the world of Dual Income, No Kids, With a Dog – a lifestyle trend gaining traction. We explore the financial pros and cons of being a DINKWAD couple, discuss how to stay frugal with a furry friend, and offer tips to make this lifestyle work for you.
Listen to the episode to learn:
- What is a DINKWAD lifestyle?
- How can being a DINKWAD be frugal?
- What are the financial considerations for DINKWADs?
- Tips for staying frugal as a DINKWAD couple with a dog.
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No More Sports Betting Mario
I tell my co worker Mario to stop doing sports betting and why!
Related topic on zero sum games
https://podcasters.spotify.com/pod/show/thefruglife/episodes/Dumb-Stuff-I-saw-on-the-internet-e1go46t
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Trump: The Way to The Top
I talk about Donald Trump's Book The Way to The Top.
The blog referenced
https://mindsalivation.blogspot.com/
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Investing in a 401k
In this episode I talk about investing in a 401k and how I invest in my own 401k.
Ricky Rambles:
https://feeds.acast.com/public/shows/63cc3e8b36308100109086aa
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Donald Crowhurt's Voyage
I talk about Donald Crowhurt's ill fated Voyage.
Works cited:
https://www.youtube.com/watch?v=zhpYCxiI-4U
https://en.wikipedia.org/wiki/Donald_Crowhurst
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The Illusion of Money
I talk about Kyle Cease's book "The Illusion of Money"
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My 3 largest stock holdings
I talk about my investments including my 3 largest stock holdings.
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This show is not investing, tax, or advice of any kind.

Rules vs Principles
A cross post from my other Podcast, Ricky Rambles
Link to the podcast
https://feeds.acast.com/public/shows/ricky-rambles
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15k daily return
Someone on twitter gave me an crazy investment idea. Here is what I think.
Referenced episode:
https://open.spotify.com/show/0A79TK3jA0n90eTIkF0HZ2
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Leaving Robinhood
In this episode I talk about why Robinhood isn't my primary trading app anymore.
Join Robinhood
join.robinhood.com/richarh220
Join Sofi
https://www.sofi.com/invite/invest?gcp=ec4101e6-1a01-4ef8-9f86-6fe3dbbca2e1&isAliasGcp=false
Sources and references
https://www.sec.gov/Archives/edgar/data/1321655/000119312520230013/d904406ds1.htm#rom904406_25
https://old.reddit.com/r/stocks/comments/k21qbk/newer_investors_be_careful_about_chasing_hype/
https://www.youtube.com/watch?v=bi2HCaoKi7Q
https://www.youtube.com/watch?v=PnSC2BY4e7c
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Rich Dad Poor Dad
In this episode I talk about the Book Rich Dad Poor Dad. Is it a good book? Do I enjoy it?
For the most part, yes, it's amusing. I don’t agree 100% with all the principles, but it does teach some interesting ideas.
What happens when I get paid - The Frug Life | Podcast on Spotify
Think and Grow Rich by The Frug Life (spotify.com)
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Frugality is Freedom
In this episode I talk about how being Frugal can make you more free.
Referenced materials:
You were born rich
https://podcasters.spotify.com/pod/pod/show/thefruglife/episodes/You-Were-Born-Rich-Chapter-1-e1vs9k8
Think and Grow Rich
https://podcasters.spotify.com/pod/show/thefruglife/episodes/Think-and-Grow-Rich-e19u5pk
Quote from
323. Henry David Thoreau, ‘Walden’ in Carl Bode (ed), The Portable Thoreau (1982) 271.
http://simplicitycollective.com/thoreau/thoreau-on-working-hours
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What is FDIC Insurance
Is your money safe in the bank?
What keeps you from losing all your money if a bank fails?
In this episode I talk about what the FDIC insurance is and how it can help protect your cash.
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High Pressure Sales
In this episode I talk about high pressure sales. Why you shouldn't buy coolwall from a door to door salesman and more.
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Spend it all
Are you hoarding all of your money just to die and never actually use it?
Let's discuss!
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Earning on the SoFi app
In this episode I talk about earning money on the SoFi app, where I have made over $700.
Sign up and fund an Active Investing account with $10 or more to earn $25 in stock
https://www.sofi.com/invite/invest?gcp=ec4101e6-1a01-4ef8-9f86-6fe3dbbca2e1&isAliasGcp=false
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You Were Born Rich Chapter 1
In this episode I talk about the first chapter of Bob Proctor's book You Were Born Rich
https://www.weforum.org/agenda/2020/09/social-mobility-upwards-decline-usa-us-america-economics/
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Income Sources
In this episode I talk about sources of income from side hustles to content creation to full time employment.
Zero based budgeting:
https://spotifyanchor-web.app.link/e/dg7zTZljHxb
"This Is How You Ask For a Raise" | Ramit Sethi
My Book:
https://www.amazon.com/Real-Money-Book-Beginners-Passive-ebook/dp/B07L23SGSV
Freelancing and Fiverr:
https://anchor.fm/thefruglife/episodes/Freelancing-and-Fiverr-ed8i7p
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Rock Paper Scissors Trading
In this episode I talk about the game rock paper scissors, my "winning" strategy and how it related to technical analysis.
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Blog quote from:
https://www.legacyadvisor.net/blog/i-am-not-great-fool-investing-lessons-princess-bride

Needs vs wants, happiness, and the secret to wealth.
This episode I talk about the secret to wealth and happiness. I also discuss needs vs wants.
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Not your Keys, not your Crypto and Bank Runs
In this episode I talk about private keys and what makes Crypto yours. I also talk about Bank runs. Lastly, I discuss content creators and sponsorships.
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Status Update
All of my written work will be linked here probably:
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Investing tips debunked
In this episode, I discuss some investing tips I saw on another podcast.
Interesting in sharing your own investment thoughts? Here is how you can appear on the show.
https://www.thefruglife.com/p/be-guest-on-podcast.html
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Dumb Stuff I saw on the internet
In this episode, I talk about a tik tok video and another podcast that I didn't love. I talk about zero sum games as well as my newest project.
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Think and Grow Rich
My thoughts on Think and Grow Rich by Napoleon Hill.
is the Secret to wealth contained in your thoughts?
MLM episode refenced by me:
https://anchor.fm/thefruglife/episodes/Should-you-avoid-MLMs-eporh8/a-a10199r
Sources/ refences used:
Coffeezilla https://www.youtube.com/watch?v=iEDzb9ZplX0
Graham mentioning the book https://www.youtube.com/watch?v=CGOyAsbe1H8
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Inflation is coming or is it?
Inflation is coming? or is it here and over?
Well, here are my thoughts. But the TLDR is, the market expects a 5 year inflation rate of 2.8% and the Federal reserve has given similar guidance.
Sources:
https://www.treasurydirect.gov/indiv/products/prod_tips_glance.htm
https://www.federalreserve.gov/newsevents/pressreleases/monetary20211215a.htm
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5 things to do in 2022
In this Episode I talk about 5 things to do in 2021
1 Start a budget
2 Run a surplus in your budget
3 Pay Debt
4 invest your Money
5 Start a retirement account
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Links to other episodes
https://www.stitcher.com/show/the-frug-life/episode/what-is-zero-based-budgeting-really-77541780
https://www.podchaser.com/podcasts/the-frug-life-902300/episodes/roth-ira-43687515

Trading Lessons I learned from Runescape
How did I make money on Runescape? Well this is how! The short answer is by becoming a market maker and buying and selling steel longswords. I've been banned now for nearly a year, so I can share that.
As always, this isn't financial advice, just sharing some of my personal experiences.
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The Rebirth of the Eagle
I talk about a Facebook post I saw and how it is not true.
https://www.snopes.com/fact-check/rebirth-of-the-eagle/
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Wait a second, didn't I say I didn't want to use social media as much... oh bother.
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Invested, The History of Charles Schwab
I share my thoughts on the book Invested, by Charles Schwab.
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What is happening to the OCC?
Who is Joe Biden’s Nominee for the OCC?
Should the FED provide bank accounts to individuals?
What is NIA?
Sources:
https://www.economist.com/finance-and-economics/2021/10/02/two-fed-presidents-resign-after-criticism-of-their-investment-activities
https://kalshi.com/markets/FEDNOM-001
https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3715735
https://prospect.org/economy/nicky-mac-a-public-option-for-workers-capital/
https://www.youtube.com/watch?v=WkP0Esyfh54
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I bought a property!
I bought my first piece of real estate, this was my experience!
1- Get a good deal on your mortgage
2- Get a good deal on the property
3- Use friends to help you move
Plus the stuff I didn't do so well.
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Tips for getting a job
These are my tips for getting a job.
Look early for a job, it may take a while to find one that is the right fit. You are in a better position to get a new job if you have a job. Negotiate you salary. Interview with confidence and know the lingo. If you want me to have a look at your resume, email me at ricky@thefruglife.com! I will look at it for free, and give my thoughts. I may close this offer in the future, but if you are reading this it should be open still.
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Set to 11: Is the World More Competitive?
Has the world become more competitive?
Well, here is one idea, yes it is.
Why did the stock market correct so quickly after this most recent crash?
Retail investors did it! Or at least that is one explanation.
Are the times of big prolonged dips in the stock market yet to come? Well, here are some of my thoughts on it.
References
https://www.youtube.com/watch?v=lr7wTuzIkAM
As always, the show is general information and not specific investment advice.
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Saving money on housing
In this episode I share a bunch of tips for renters and homeowners to save on housing!
1- Shop around, check out deals
2- downside to a smaller place (that is cheaper)
3- rent out extra space
4- negotiate a better lease
5- moving to another city?
6- House Hack
7- Family
8- Pets
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What Should I Invest In?
In this episode of the show I discuss investing, what you should invest in and give some ideas.
Some of the Tickers I mention are
VTI and VOO
you can also use other similar index funds with Charles Schwab or Fidelity.
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This is not personalized investment advice.

The Fisherman
Mr. Frug shares the story of a fisherman. What are your goals in life, and is there a way you can reach them more quickly?
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Mrs. Frug Reacts! What is your Money Script?
In this episode, Mrs. Frug reacts to my episode about Money Scripts and shares her thoughts.
Here is the survey I used
https://www.yourmentalwealthadvisors.com/our-process/your-money-script/s
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What is your Money Script?
In this episode, I talk about Money Scripts, which are personality profiles regarding money.
Here is the survey I used
https://www.yourmentalwealthadvisors.com/our-process/your-money-script/s
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Appreciate What You Have
In this episode, I share a clip from a YouTube channel, Bush Radical, about appreciating what you have.
Original Video https://www.youtube.com/watch?v=BH15Kua5P1Y
References
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