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 am created a structured podcast where I can share my thoughts about Frugal living, the economy, and business.

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More places to listen
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 am created a structured podcast where I can share my thoughts about Frugal living, the economy, and business.

Also follow us at

More places to listen

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 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
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