The Frug Life

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ricky@thefruglife.com

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HSA vs FSA

August 06, 2026

In this episode, Ricky breaks down the difference between Flexible Spending Accounts (FSAs) and Health Savings Accounts (HSAs) in a simple, practical way. He explains when each account is useful, how they affect your taxes, and why they can be valuable parts of a personal finance strategy.What you’ll learnWhat FSAs and HSAs areHow FSAs and HSAs differWhy an HSA can be especially powerful for long-term savingsWhen an FSA might make sense for youA few common rules and quirks to know before choo...

The Psychology of Frugal Living

July 07, 2026

Why Knowing Isn’t Doing: The Real Frugal Living ProblemIn this episode of The Frug Life, Ricky explores a common personal finance mystery: why do so many people know what they should do with money, yet still struggle to follow through? The answer, according to the episode, isn’t a lack of information — it’s behavior. From present bias to mental accounting to lifestyle creep, the discussion breaks down the psychological patterns that keep people from making frugal choices consistently.In this ...

Crosspost: The Iced Frugal Hour Week 4

May 05, 2026

Crossposting the 4th episode on my new Podcast, The Iced Frugal Hour In this episode of The Iced Frugal Hour, Ricky and Jackie explore the often overlooked realities of inflation rates, the rapid rise of AI and its implications for society, and the questionable use of emerging technology in everyday life. Tune in for a spirited discussion that breaks down complex topics into relatable insights, with practical takeaways on how these trends affect you.https://open.spotify.com/show/1RAXoL0fdw962...