Our Podcasts
Ep. 65 Why Planning Beats Hype!!
This week on Frugalocity, Amanda and Richard break down why smart planning consistently beats internet hype — whether you’re grocery shopping, chasing deals, or buying a used car.
They kick things off with Costco, the rare retailer that actually acts like it values its customers. From effortless 30‑day price adjustments to an unsolicited $20 refund Costco mailed after negotiating a better price, the hosts highlight how Costco quietly delivers real savings without the drama other stores put you through.
Then they turn to Aldi — not to bash it, but to cut through the myth that it’s always the cheapest option. Sometimes the ad isn’t competitive and the “Aldi Finds” are more “Aldi Maybe’s.” The message is simple: shop prices, not hype.
Publix gets its moment next. Yes, it’s pricey… unless you shop it like a pro. With BOGOs, coupons, and the Southern Savers list, Publix transforms from “too expensive” to “absolute steal.” The episode highlights real deals from the Southern Savers Website, proving that strategy turns Publix into a powerhouse (like most shopping experiences).
The show wraps with a quick but crucial reminder about used cars: never buy without a prepurchase inspection. A $100 checkup can save you from a $2,000 disaster.
The takeaway:
A plan beats hype every time. Costco rewards you, Aldi isn’t magic, Publix becomes a gold mine with strategy, and preparation protects your wallet — whether you’re shopping groceries or cars.
Richard and Amanda then finish with their signature Fun,Frugal, Fabulous section where they talk about The Pitt, trips to Boston, the Caverns, Beer festivals, Chili Cookoffs, and “Love Story” the JFK, Jr and Carolyn Bessette show on Hulu.
Sites we follow or mention:
Our favorite energy drink: Drink Choffy use code Richard15
Encourage Wellness and Performance
Love Story on Hulu
Instagram sites: Snoophoggyhawg and Frugalocity2
Spotify Playlists: What he had said and Frugalocity Favorite Podcasts
Ep. 64 THE UNDIVA TESTTM
In this special Ballhawgs breakdown, Conner and Richard unveil their latest gift to the NFL: The UNDIVA Test™ — the Ballhawgs’ trademarked psychological evaluation designed to help GMs finally stop whiffing on wide receiver draft picks. With their signature blend of data driven insights, football nerdery, and clinical‑level WR psychology, the guys walk listeners through the most chaotic, revealing, and absolutely necessary questions every team should be asking before handing a rookie millions.
From the infamous “Happy Hookers” question, to diagnosing trade‑request tendencies, to evaluating whether a prospect will punch a water cooler or start a cable channel named after themselves, the UNDIVA Test™ exposes the diva DNA hiding inside every WR room. Bonus scoring rules include Samoan toughness points, childhood brick‑catching, ballet training, and the prestigious AJ Green Financial Literacy Bump.
The episode peaks with the Rorschach section, where prospects must identify inkblots, high‑point footballs thrown at their heads, and choose between touchdowns and wins — a moment that reliably separates future Hall of Famers from future Hard Knocks storylines.
Conner and Richard wrap with a message to NFL front offices:
Draft weekend consultations, WR therapy sessions, and crisis‑level GM interventions are available.
Save this episode — your franchise might depend on it.
Websites we follow:
Our favorite energy drink: Drink Choffy use code Richard15
Encourage Wellness and Performance
Instagram sites: Snoophoggyhawg and Frugalocity2
Spotify Playlists: What he had said and Frugalocity Favorite Podcasts
Ep. 63 – Elder Care – “Taking Care of One’s Family and Yourself”
This episode of Frugalocity is one of your most honest,grounded, and emotionally resonant conversations yet. Richard and Amanda step away from checklists, hacks, and logistics to confront the part of caregiving that rarely gets airtime—the moment you realize you can’t fix what’s happening, no matter how hard you try.
What the Episode Delivers
• A raw look at the emotional truth of caregiving
The hosts unpack the shift from “doing” to “being”—from trying to control outcomes to learning how to simply show up. They explore the grief, frustration, guilt, and fear that accompany caring for aging parents, and they name these emotions not as failures, but as normal parts of the journey.
• Personal stories that ground the conversation
Amanda shares a fresh, vulnerable moment from helping her parents—how something seemingly simple became emotionally complex, and how hard it is to balance worry with respecting their independence.
Richard opens up about navigating his mother’s wishes around housing, the painful tension between safety and autonomy, and the judgment caregivers often face from the outside.
• The unpredictability of caregiving
A fall, a diagnosis, a sudden shift in personality—plans unravel overnight. The episode emphasizes that doing everything “right” doesn’t guarantee stability, and that self-blame is a trap many caregivers fall into.
• The transition from fixing to presence
The hosts highlight the power of small, human moments—holding hands, listening, sitting quietly. They revisit a story from the WSJ article where a caregiver clings to five simple words: “You’re a good man.” These moments don’t come from solving; they come from showing up.
• Choosing joy without pretending everything is fine.
Richard and Amanda explore how joy can coexist with grief. A couple dancing during cancer treatment becomes a symbol of choosing light even when life is heavy.
• The necessity of caring for yourself
The episode closes with a reminder that caregivers often lose their own health first. Rest, support, therapy, movement—these aren’t luxuries. They’re survival tools. Giving yourself grace is not indulgent; it’s essential.
• Closing Vibe
The episode ends with warmth, solidarity, and a gentle reminder: caregivers are not alone. Richard and Amanda meet listeners exactly where they are—tired, hopeful, grieving, trying—and offer a space to breathe.
And of course, the episode ends with the signature Frugalocity breather, the “Fun, Frugal and Fabulous” section where they share recent: books, rituals, axe throwing with friends, and a nod to Amanda’s birthday.
Websites we follow:
Our favorite energy drink: Drink Choffy use code Richard15
Encourage Wellness and Performance
The Key to Caring for Aging Parents: Accept That You Can’t fix Everything – WSJ article
Instagram sites: Snoophoggyhawg and Frugalocity2
Spotify Playlists: What he had said and Frugalocity Favorite Podcasts
This Ballhawgs episode is peak Conner‑and‑Richard energy: fast, funny, and ruthlessly honest about the chaos that was last fantasy season — and the even wilder one coming.
The Ballhawgs kick things off with the theme of the year: Alpha Wide Receivers are running the league, and 2026 looks no different. Conner plants his flag on Jaxon Smith‑Njigba as the breakout WR1, while Richard co‑signs with zero hesitation. From there, they run through the elite tier — Chase, Puka, CeeDee, Amon‑Ra — and warn listeners about the landmines lurking beneath the surface, including Justin Jefferson’s QB disaster and the eternal mystery of DK Metcalf’s “Tarzan/Jane” energy.
The RB segment brings its own drama. Richard insists the position isn’t dead, just “dramatic,” and the duo highlights a refreshed list of targets: CMC, Bijan, James Cook, Omarian Hampton, Jonathan Taylor, Josh Jacobs. They also remind listeners that committee backfields are still emotional terrorism.
Tight ends get their moment too, with a cleaner, heartbreak‑free list led by Trey McBride, Brock Bowers, and Tyler Warren.The QB board gets a full overhaul — Josh Allen remains the cheat code, Burrow is back if healthy, and Conner is already eyeing Jayden Daniels like a man who refuses to learn moderation.
Then comes the annual tradition: The Landmine List, featuring players who will absolutely ruin your season. Najee, Deebo, Waddle, and Collins, with Jefferson hovering in the danger zone thanks to his “war crime” QB situation.
Finally, the guys dive into the 2026 rookie class, which they call “sneaky loaded.” They spotlight future stars like Carnell Tate, Omari Cooper, Germie Bernard,Zachariah Branch, KC Concepcion, Makai Lemon, Jeremiyah Love, and Jonah Coleman — the kind of names that win leagues in the playoffs.
The show wraps with Richard reminding everyone that Fantasy season is always right around the corner… and Conner is proudly preparing to take Jayden Daniels int he fourth because “dual‑threat QBs win leagues.” Maybe? Or is he messing with us?
It’s sharp, hilarious, and packed with actionable insight — classic Ballhawgs from start to finish.
Websites we follow:
Our favorite energy drink: Drink Choffy use code Richard15
Encourage Wellness and Performance
Instagram sites: Snoophoggyhawg and Frugalocity2
Spotify Playlists: What he had said and Frugalocity Favorite Podcasts
Ep. 61 Capitalism for the Win!
In this episode of Frugalocity, Amanda and Richard dive into the latest financial experiment:
Newborns becoming accidental capitalists thanks to $1,000 government‑seeded investment accounts. They unpack how these “baby brokerage accounts” work, why companies and philanthropists are piling on, and whether this is the 21st‑century replacement for the old Levittown dream of stabilizing society through home ownership.
Along the way, they explore the tension between rising economic frustration and the historical track record of collectivist systems, arguing that even a tiny slice of ownership can shape how people feel about the broader economic system. Is $1,000 enough to revive the ownership society? Maybe or maybe not — but it sparks a conversation about what ownership means when starter homes cost more than starter salaries.
The episode also brings the classic Frugalocity flavor:
- A real‑life frugality saga involving the death of their beloved Volt, a $19k repair quote, and the rescue advice of their friend Chip Geppi at Hybrid and Electric Car Sales
- A reminder that being good to your neighbors can literally save you thousands.
- Travel wins, including a Boston trip booked on points.
- Upcoming adventures like Big Head Todd at The Caverns.
- And Amanda’s eternal popcorn‑smuggling movie hack.
It’s part economics, part history, part personal finance,and all the irreverent, practical, fun‑loving energy that defines Amanda and Richard’s world.
Sites we follow:
Our favorite energy drink: Drink Choffy use code Richard15
Encourage Wellness and Performance
Instagram sites: Snoophoggyhawg and Frugalocity2
Spotify Playlists: What he had said and Frugalocity Favorite Podcasts
Ep. 60 The Annual Financial Checklist
In this essential — and surprisingly entertaining — episode of Frugalocity, Amanda and Richard tackle one of the least glamorous but most important parts of adulting:the Annual Financial Checklist. With their signature mix of humor, real‑life stories, and practical frugal wisdom, they break down the six must‑do tasks every household should review once a year to stay protected, organized, and financially healthy.
Amanda kicks things off by reminding listeners that financial housekeeping may not be sexy, but it is a love language. Richard doubles down with jokes, but also with the truth: a yearly checkup is the difference between calm preparedness and full‑blown crisis mode.
Together, they walk through the Five Point Annual Checklist — plus a bonus sixth step —covering everything from maintaining individual credit profiles, adding each other as authorized users, updating wills and beneficiaries, recording a home inventory, and securely storing key documents. They also highlight the importance of freezing your credit and locking down brokerage accounts, especially after Amanda’s recent brush with attempted identity theft.
But this is Frugalocity — so they don’t leave listeners drowning in seriousness. In the “Frugalocity Spin,” Amanda and Richard show how to turn this checklist into a date night, complete with wine, pizza, or even a lakeside tribute band. They encourage listeners to gamify the process, pair it with subscription clean‑outs, and make it a yearly ritual that feels rewarding instead of dreadful.
The episode wraps with a listener challenge and a “Fun, Frugal, Fabulous” segment featuring their recent adventures at Rabun Beach, Angel Falls, and a legendary meatloaf sandwich in Lakemont at Open Door at Alley’s Ol Store.
It’s practical. It’s funny. It’s frugal. And it might just be the most important episode you listen to this year.
Links worth checking out: Drink Choffy use Richard15.
- Snoophoggyhawg and Frugalocity2
- Shampoochie
- Georgia Real Estate Depot
- Enourage Wellness and Performance
Ep. 59 Even the cool kids are Frugalites
Frugality isn’t just for penny‑pinchers anymore—it’s officially cool!
In this episode of Frugalocity, Amanda and Richard break down why saving smart has become the new status symbol.
The Dollar Store Revolution: Inflation may have pushed Dollar Tree past the $1 price point, but that hasn’t slowed shoppers down. In fact, millions of new households—including those earning over $100K—are flocking to Dollar Tree,Dollar General, and even Walmart. When CEOs admit that higher‑income families are trading down, you know frugality has gone mainstream.
Amanda and Richard discuss Extreme Savings Hacks:
• From diluting hand soap and tearing dryer sheets in half to reusing Ziploc bags and saving washing machine water to flush toilets, listeners share their quirky, creative, and sometimes outrageous money‑saving habits. Some hacks are genius, some are borderline wild—but all prove that frugality is about ingenuity, not deprivation.
• Cultural Shift: Saving money is no longer seen as “cheap.” It’s intentional, strategic, and even stylish. Whether it’s foraging berries, cutting coffee costs, or repurposing junk mail envelopes, people are proudly flexing their frugal side.
Fun, Frugal & Fabulous Section:
The hosts keep it light with shoutouts, playful banter, and a reminder that frugality doesn’t mean missing out on good times—whether that’s a Def Leppard tribute band by the lake or just enjoying tap water over pricey canned water.
Takeaway: Being frugal isn’t about sacrifice—it’s about strategy, creativity, and control. And right now, it’s what the cool kids are doing.
Sites we follow:
Our favorite energy drink: Drink Choffy use code Richard15
Encourage Wellness and Performance
Instagram sites: Snoophoggyhawg and Frugalocity2
Spotify Playlists: What he had said and Frugalocity Favorite Podcasts
Ep. 57 The Luck of The Irish runs Out and Turns Into the Sulk of The Irish
This special crossover dives headfirst into Notre Dame’sstunning decision to decline a bowl bid after being snubbed from the new 12‑team College Football Playoff. The BallHawgs break it down with sharp banter, irreverent humor, and plenty of receipts:
Setting the Stage:
Notre Dame went 10–2 but stayed independent, missing out on CFP spots to Alabama and Miami. Within hours, they announced they’d skip bowl season entirely—a move framed as protest, not practicality.
• The Résumé Reality: Despite a flashy 10‑game win streak, their best win was USC. Losses to Miami and Texas A&M left analysts asking, “What’s their signature victory?”
Comparisons That Sting:
- Texas: Steve Sarkisian lobbied hard after a 9–3 grind, then still suited up for the Citrus Bowl.
- Georgia: Kirby Smart, after a crushing SEC title loss, praised opponents and doubled down on culture.
- Finebaum & Media Reaction: Paul Finebaum blasted the Irish as “crybabies” and a “laughingstock,” while others called the boycott “cowardly” and “pathetic.” The episode explores how this damages recruiting, fan trust, and the brand’s supposed ideals.
- Finebaum & Media Reaction: Paul Finebaum blasted the Irish as “crybabies” and a “laughingstock,” while others called the boycott “cowardly” and “pathetic.” The episode explores how this damages recruiting, fan trust, and the brand’s supposed ideals.
🔥 Tone: Fast‑paced, irreverent, and built for listener engagement. The episode mixes sharp analysiswith playful roasting, inviting fans to weigh in on whether Notre Dame’s move was principled protest or pure entitlement.
Drink Choffy, Use Richard15
Ep. 56 College Football Playoff Talk With the Ball Hawgs
College Football Playoff talk with the BallHawgs!
The first-ever 12-team College Football Playoff bracket is set, and the BallHawgs—Conner, Aidan, and Alex—joined hostRichard on the Frugalocity podcast to break down every explosive detail !
Blending sharp analysis with playful banter, the episode dives deep into the top seeds, potential upsets, andquarterfinal projections for the new format
Segment 1: The Top Four Byes
The hosts dissected the top four teams who earned a first-round bye: (1) Indiana, (2) Ohio State, (3) Georgia, and (4)Texas Tech.
- Conner argued that Georgia deserved the No. 2 spot over Ohio State, citing the Bulldogs’ “definitive and dominant” win over Alabama. He also suggested Texas Tech at No. 4 was the “MaHOMIES MONEY EFFECT”.Aidan contended that Georgia might be the “most dangerous team” in the playoff, noting the way the SEC champion finished the season. Of course, being named the number three seemed like a slight but the draw against Ole Miss or Tulane (who are distracted by coaching drama) might actually be a positivedevelopment.
- Alex pointed out that the committee likely rewarded Indiana for their 13-0 record and highlighted the inclusion of two Big Ten Teams in the byes shows how dominant the league was this year. Of course, Conner and Aidan countered that the depth of the SEC undermines that argument as only Indiana and Ohio State were solid in the Big Ten so how impressive were their wins?
Segment 2: First Round Knockouts
The discussion moved to the first-roundmatchups:No. 12 JMU versus Oregon
No. 11 Tulane at No. 6 Ole MissNo. 10 Miami at No. 7 Texas A&M
No.9 Alabama at No. 8 Oklahoma
With the Hawgs pointing to the Miama/A&M matchup and Alabama/Oklahoma being ones of intense competition with winners/losers being of significant interest.
Listen in to find out what the Hawgs said.
Segment 3: Quarterfinal Projections
Next the Hawgs gave their predictions thatlead to the Final Four prediction with all three leaning towards: (Indiana/UGA/Ohio State/ and Oregon).
However, things to watch were:
Oklahoma more than likely playing superiordefense against Indiana even though Indiana and Alabama’s defense has been stellar this season. However, Indiana seems to be a team of destiny this year.
Conclusion:
Richard thanked the BallHawgs for breaking down the first-ever 12-team CFP bracket. Listeners were encouraged to follow the Frugalocity podcast.
Drink Choffy, use Richard15
Ep. 55 Keep On Sippin Georgia Wine on a Budget
In this lively and frugal‑minded episode of Frugalocity, Richard and Amanda prove that world‑class wine experiences don’t require Napa airfare or Tuscanprice tags. Fresh off their visits to Serenity Cellars and The Cottage Vineyard & Winery in North Georgia, they share stories of Tuscan‑style courtyards, sweeping mountain views, and wallet‑friendly wine flights that make “sip local” the ultimate budget hack.
• Serenity Cellars: Tuscan vibes, stone courtyards, live music, and the standout olce Bello dessert wine.
• The Cottage Vineyard: Relaxed tasting room, friendly staff, and panoramic views of Yonah Mountain—proof that frugality can still feel luxurious.
• Wine Facts: Georgia’s AVA designations (Dahlonega Plateau & Upper Hiwassee Highlands) give the region legit terroir comparable to Italy.
• Frugal Tips: Wine tours for groups, picnics to balance tastings, and even a shout‑out to the Georgia Wine Passport idea.
• Bonus Stop: Richard confesses his true vice—Mountain Fresh Creamery’s chocolate milk and ice cream, a frugal detour worth every sip.
The episode blends humor, local flavor, and practicaladvice, reminding listeners that frugality isn’t about sacrifice—it’s about finding joy in hidden gems. From Tuscan‑style courtyards to mountain‑top tastings, Richard and Amanda show that sipping local is fabulous, fun, and budget‑friendly.
They wrap with their signature banter—recapping recentadventures like the Bears/Steelers game, a future trip to a Def Leppard tribute band in Hartwell, and Thanksgiving leftovers (four days strong!)—all under themantra:
“Stay frugal, stay fabulous—and sip local.”
Sites mentioned included: Frugalocity
Drink Choffy, Use Richard15
Ep. 54 Rent Or Own? A frank discussion about renting or owning your home
What if the smartest financial move in 2025 isn’t buying a home—but renting one?
This episode flips the script on traditional homeownership, spotlighting Jill Sirianni from the Frugal Friends podcast. Jill bought a house in 2020 for $225K, sold it five years later for $575K, and walked away with a $120K profit after all costs. Sounds like a win—until she ran the numbers and realized that investing her down payment in the stock market might’ve earned her even more.
But this isn’t just Jill’s story—it’s a wake-up call. With mortgage rates now hovering around 6–7%, monthly ownership costs averaging $2,700, and affordability ratios at historic lows, the gap between renting and owning has never been wider. Renting now costs about $850/month less than owning, freeing up cash flow for investing, travel, or breathing room.
The episode dives deep into:
• 📉 Why today’s housing market is tougher than ever
• 💸 The hidden costs of ownership (insurance, taxes, maintenance)
• 📊 Real-world math that challenges the “buy vs. rent” narrative
• 🧠 How flexibility and liquidity can be smarter than equity
Whether you’re a renter, buyer, or somewhere in between, this episode urges you to rethink the default and run your own numbers. Because in 2025, the American Dream might look a lot more like freedom than a front porch.
Additionally, Richard and Amanda swap thoughts on the shows they’re currently watching—The Diplomat and Nobody Wants This—before sharing plans to catch a Prince tribute band live in Athens on November 7th. They wrap up with a colorful recap of their fall getaway to Tiger and Lakemont, Georgia, where they soaked in the Autumn leaves around Lake Rabun and explored local gems like Max’s Place, The Swing Bar, and the GOAT (Great, Old, and Trendy) store.
Links we think you will like:
Drink Choffy, use Richard15
Instagram sites: Snoophoggyhawg and Frugalocity2
Ep. 53 “Google Me, Homie”- 2nd Quarter College Football Observations
Second Quarter College Football Observations – “Google Me, Homie” Edition
This week, Richard, Conner, and Aiden dive headfirst into the madness of midseason rankings, Heisman hype, and coaching meltdowns. From Indiana’s shocking rise to No. 2 to Florida finally firing Billy Napier, it’s a rollercoaster of stats, sarcasm, and savage takes.
🏆 Heisman Watch:Gunner Stockton goes full Gunna with five touchdowns and ice in his veins. Marcel Reed, Ty Simpson, and Fernando Mendoza are all striking the pose, but Stockton’s fourth quarter has entered a Dawg into the picture? Maybe?
🔥 Indiana Is HIM:The Hoosiers are undefeated, humiliating ranked teams, and Fernando Mendoza is cooking like a Michelin-starred QB. Curt Cignetti’s squad has swagger, stingy defense, and a fanbase yelling “Google Me.”
🐯 LSU’s Collapse:One-dimensional offense, no separation, and a loss to Vanderbilt. Brian Kelly’s playbook might need a reboot—and maybe a new accent. (And after the recording of our podcast, it looks he also needs a new job. But don’t worry he has several million reasons to be okay about it.)
🐶 Georgia’s Dawg Mode:Gunner Stockton leads a no-punt beatdown of Ole Miss. Lawson Luckie’s catching touchdowns like he’s auditioning for the NFL, but the defense? Should Glen Schuman be applying for the Gator or the Tiger job?
Bama’s Redemption Arc: Ty Simpson’s leading the nation in efficiency, and Kalen DeBoer’s got the Tide rolling again. But that near-loss to Carolina? Still not Saban.
🎭 Drama Rankings:Notre Dame’s two “quality losses” might sneak them into the playoff. Texas Tech looks good but has a bad loss. Miami’s QB is throwing teammates under the Lambo. And BYU? Good record, but trust issues remain.
🧹 Florida Fires Napier:After a historically bad run, Billy Napier is out. Florida fans booed like he stole their tailgate.
🎤 Closing Rant:Indiana’s elite, Gunner’s a star, LSU needs therapy, and Florida needs a coach—and maybe a therapist too.
Links worth checking out:
Drink Choffy use Richard15.
Snoophoggyhawg and Frugalocity2 on Instagram.
Spotify playlists: What He Had Said and Frugalocity Favorite Podcasts and #Snoophoggyhawg
Ep. 52 Show Us the Money with the CakeClub App
In this sweet and savory episode of Frugalocity, host Richard welcomes financial planning heavyweight Al Zdenek to talk about CakeClub—a gamified budgeting app that’s turning financial wellness into a treat. From his storied career in wealth advising, Al brings decades of insight and a cash-flow-first philosophy to the table.
🍰 What’s CakeClub?
It’s not your average budgeting tool. Picture cupcake stacks instead of spreadsheets, goal-based saving with frosting-like progress, and behavior nudges that guide without guilt. It’s budgeting with sprinkles—and it’s built on the real-world wisdom of a successful wealth advisor.
AI Meets Frugality
CakeClub’s “Ask Albert” feature lets users tap into AI-powered financial advice, with plans to integrate it directly into the app. It’s like having a co-pilot for your cash decisions—smart, simple, and always on your side.
Real-Life Wins & Frugal Tips
From guilt-free “Treat Yourself” spending to minimalist goal tracking, CakeClub makes financial freedom feel achievable. Al and Richard also swap stories—from Muscle Shoals music legends to future app iterations—and wrap with a frugal tip: gamify your goals to make saving stick.
💬 Final Thought
Budgeting doesn’t have to be boring. Sometimes, it just needs frosting.
Support those who support us:
Drink Choffy use Richard15.
Snoophoggyhawg and Frugalocity2 on Instagram.
Spotify playlists: What He Had Said and Frugalocity Favorite Podcasts and #Snoophoggyhawg
Ep. 51 Sam’s Club, BJ’s and Costco – Warehouse Wars
Amanda and Richard dive deep into the warehouse wars, comparing Costco, Sam’s Club, and BJ’s Wholesale with frugal flair and plenty of sass. From bulk toilet paper to gold bars (yes, really), they break down the perks, quirks, and pain points of each club.
- Costco: Cult-like following with the lowest markup (~14%), but crowded aisles and Visa-only payments might cramp your style.
- Sam’s Club: Richard’s ride-or-die. Tech-forward with Scan & Go, curbside pickup, and 5% gas cashback. Lower membership cost and fewer crowds = win.
- BJ’s: The East Coast underdog. Accepts manufacturer coupons (unlike the others), offers digital deals, and caters to smaller households—but limited locations in Georgia.
They also unpack membership tiers, cashback limits (up to $1250 at Costco), and why Clark Howard swears by Costco’s value—even if Richard swears off the chaos. Amanda plays devil’s advocate, reminding listeners that bulk only saves money if you actually use it (no one needs 10 gallons of mayo).
The episode wraps with shoutouts to Kroger’s frozen turkey deals and a reference to episode 46, book and TV show recs (including Alien Earth and Regretting You), and a reminder to stay frugal, stay fabulous, and follow the crew on socials and Spotify.
Drink Choffy use Richard15.
Snoophoggyhawg and Frugalocity2 on Instagram.
Spotify playlists: What He Had Said and Frugalocity Favorite Podcasts and #Snoophoggyhawg
Ep. 50 First Quarter Football Observations – Southern Gameday Style
College football’s first quarter didn’t tiptoe in—it cannonballed.
This episode dives headfirst into the chaos: from pre-season darlings faceplanting to unexpected juggernauts flexing early. We roast the media experts, spotlight the teams that are either cooking or cooked, and highlight “Dawgs”!
Expect spicy takes on:
- Overhyped programs getting reality-checked!
- Coaches who talk big but deliver small!
- Media experts we should put a “lockdown” corner on!
It’s irreverent, insightful, and built for fans who love reality more than drama. If you’re here for clarity, comedy, and a little chaos—this one’s for you.
P.S.- There even some High School Ball talk about FloweryBranch Falcons!!
Drink Choffy use Richard15.
Snoophoggyhawg and Frugalocity2 on Instagram.
Spotify playlists: What He Had Said and Frugalocity Favorite Podcasts and #Snoophoggyhawg
Ep. 49 The Frugalite Tales – Tales from a Skinny Wallet
This episode is a joyful return to frugal fundamentals, packed with real-life wins and wallet-friendly wisdom. The hosts share five everyday triumphs that prove frugality isn’t just practical—it’s empowering and even a little fun.
• DIY Headlight Heroics – Garrett’s Volvo gets a glow-up for just $20, thanks to a YouTube tutorial and a little elbow grease. A reminder that small repairs can lead to big savings—and big confidence boosts.
• Fuel Point Frenzy – Kroger’s 4x fuel points help listeners slash gas prices to $1.99/gallon. One family fills up both cars and earns a shoutout (and maybe a Frugalocity sticker, if swag ever returns!).
• Roadside Reality Check – A PSA to skip insurance-based roadside assistance. The hosts explain why AAA is the smarter choice, with a warning about how insurers track claims that could cost you later.
• Rockin’ on a Budget – A Tom Petty cover band at Station Café in Hartwell delivers big vibes for a small price. Proof that great entertainment doesn’t have to break the bank.
• Yard Sale Gold – Neighborhood yard sales offer treasure troves for college dorms, man caves, and budget-conscious home projects. The hosts tease a future episode dedicated to their favorite yardsale stories.
On the Fun, Frugal & Fabulous Section – Amanda shares her blissful massage experience with Lyndzey Dare at Encourage Wellness and Performance, first featured in Episode 44. Plus, a Netflix gem—Man on the Inside—gets a nod for its humor and heart, especially for those navigating aging parents.
Listeners are reminded to stay frugal, stay fabulous, and follow the fun at Frugalocity.org, on Instagram, and via curated Spotify playlists.
It’s a warm, witty, and practical episode that celebrates the everyday victories of living well on less.
Drink Choffy use Richard15.
Snoophoggyhawg and Frugalocity2 on Instagram.
Spotify playlists: What He Had Said and Frugalocity Favorite Podcasts and #Snoophoggyhawg
Encourage Wellness and Peformance
Ep. 48 Stay Frugal, Stay Fabulous, and Sip Local: Georgia Wine on a Budget
In this upbeat and budget-savvy episode of Frugalocity, hosts Richard and Amanda invite listeners to trade pricey wine vacations for a scenic, wallet-friendly adventure through North Georgia’s wine country. Inspired by a recent visit to Cenita Winery in Cleveland, GA, they share how stunning views, delicious wines, and a relaxed vibe can be found just a short drive from Atlanta—no passport required.
The episode highlights Cenita as a hidden gem, perfect for frugal travelers who want a world-class wine experience without the world-class price tag. Along the way, listeners get a rundown of the location of 25 North Georgia wineries and a promise to review additional wineries in great detail.
With a mix of practical tips, local flavor, and a touch of humor, the hosts remind us that great wine doesn’t have to come with a great expense. Whether you’re sipping on a porch or planning a weekend getaway, this episode proves that frugality and fabulousness can go hand in hand.
Sites mentioned included: Cenita, JumpingGoat and Roastery, Tesnatee River Winery and Meadery
Drink Choffy use Richard15.
Snoophoggyhawg and Frugalocity2 on Instagram.
Spotify playlists: What He Had Said and Frugalocity Favorite Podcasts and #Snoophoggyhawg
Ep. 47 “Southern Laughs & Arena Magic”
In this heartwarming episode, Richard and Amanda take listeners behind the scenes of one of their favorite “frugal” entertainment havens—Akins Ford Arena in Athens, Georgia. Known for its electric atmosphere and intimate charm, the arena sets the stage for unforgettable nights, and none the more so than their recent outing to see the unstoppable Leanne Morgan.
The couple recounts their evening at Morgan’s Just GettingStarted tour, where the Southern comedy queen lit up the stage with her signature blend of sass, storytelling, and relatable hilarity. From tales of menopause to motherhood, Leanne’s performance had the crowd roaring, and Richard and Amanda laughing until their sides hurt. They reflect on how Morgan’s rise—from small-town Tennessee to Netflix stardom and sold-out arenas—mirrors the kind of grit and grace they admire.
Between bites of local Athens fare, like Redstone Market and Butcher, and the buzz of a packed house, this episode captures the joy of shared laughter, the magic of live performance, and why Akins Ford Arena remains their go-to spot for a night out that feels like home.
Akins Ford Arena
Drink Choffy use Richard15.
Snoophoggyhawg and Frugalocity2 on Instagram.
Spotify playlists: What He Had Said and Frugalocity Favorite Podcasts and #Snoophoggyhawg
Ep.46 Frozen Turkeys aren’t just for bowling (and Sim cards can fly, if not frozen)
This episode targets budget-conscious listeners interested in saving money, side hustles, and practical tips.
The podcast highlights the need to celebrate people who save money and invest for the future, rather than those who chase after flashy, expensive trends. The host shares examples of people who achieved financial stability through smart investments and budgeting, allowing them to retire early or live comfortably without being a “Kardashian or Wall Street Bigwig”.
The episode also introduces a new segment idea called “Frugalocity’s Real Men of Cheapness,” which celebrates simple ways to save money. This week’s focus is on being a “Mr. Frozen Turkey Enthusiast”. The host explains that a frozen turkey purchased after Thanksgiving for a low price is significantly cheaper than store-bought deli meat. He calculates that cooking your own turkey can be 85% to 90% cheaper than the store brand and 92% cheaper than Boar’s Head deli meat. Even when factoring in the cost of a stick of butter, olive oil, and the weight lost to bone, the savings are still substantial, around 68% when buying at current Walmart prices. The host also addresses common counter arguments, such as having to eat turkey sandwiches for multiple days and not eating dark meat, which his co-host Amanda brought up.
Another important topic covered is SIM swapping, a type of identity theft where criminals trick your cell phone provider into transferring your number to a new SIM card. This allows them to intercept two-factor authentication codes and access your financial accounts. The podcast emphasizes that most people are vulnerable and unaware of this threat. The solution is to lock your SIM card, a simple step offered by every major cell phone provider, which prevents unauthorized number transfers and protects your digital accounts.
The episode finishes off with their “Fun, Frugal and Fabulous” section, where they recommend the Billy Joel documentary “And So it goes” for its humor and stories behind the music. The episode concludes by reinforcing the message that frugality is not about deprivation but about empowerment, whether through cooking your own turkey or securing your SIM card.
Please support those who support us:
Drink Choffy use Richard15.
Snoophoggyhawg and Frugalocity2 on Instagram.
Spotify playlists: What He Had Said and Frugalocity Favorite Podcasts and #Snoophoggyhawg
Ep. 45 Over the Top – The Wild Art of Overacting
Where saving money meets dramatic flair — this week, we go “over the top,” and not just with our frugality.
In this theatrical detour from budget-savvy tips, the hosts deliver a riotous breakdown of Hollywood’s most flamboyant performers. From actors who dramatically overdo it — cue David Caruso’s sunglasses pause and Beth Dutton’s verbal thunder — to those who elevate exaggeration into pure art like Al Pacino and Nicolas Cage, this episode is equal parts roast and reverence.
What’s Inside:
Segment 1 – When Extra Goes Off the Rails: A sarcastic celebration of those whose intensity spirals into unintentional comedy. Think: Shatner’s underwater soliloquies and Titus Welliver’s chair-sitting philosophy.
Segment 2 – Go Big or Go Home: A tribute to the icons who make drama delicious — Walken’s haiku-like pauses, Cage’s Southern-fried declarations, and Farley’s hurricane energy.
Frugalocity’s Signature Touch:
A charming detour from the usual frugality, showing that once you save enough money you can sit around and make fun of goofy actors given your stress-reduced lifestyle. Who says being Frugal can’t be fun?
Link to the best/worst David Caruso one-liners, as promised:
Caruso on Youtube
Please support those who support us:
Drink Choffy use Richard15.
Snoophoggyhawg and Frugalocity2 on Instagram.
Spotify playlists: What He Had Said and Frugalocity Favorite Podcasts and #Snoophoggyhawg
Ep. 44 Healing Hands at Encourage Wellness and Performance
In this heartfelt and illuminating conversation, Richard sits down with Lyndzey, a bodywork practitioner who turned personal pain into professional purpose. From the moment she shares how injury led her to explore the depths of physical and emotional healing, listeners are drawn into a world where massage therapy isn’t just about muscle relief—it’s about transformation.
Lyndzey opens up about the intuitive techniques she uses—like scraping, cupping, and neurokinetic therapy—and how each method serves not only the body but the psyche. With a deep respect for the mind-body connection, she unpacks how understanding a client’s stress, anxiety, or trauma is integral to truly helping them heal.
Beyond the table, Lyndzey champions education for fellow therapists through certified courses that fill gaps in traditional training. She’s candid about the challenges of running a values-driven wellness business, and how she balances growth with staying grounded in care.
Whether you’re a curious client, a wellness professional, or just someone who believes healing is more than skin deep, this episode will leave you inspired, informed, and renewed.
Please support those that support us:
Drink Choffy use Richard15.
The Cancer Foundation of NEGA’s Sip ‘N Shuck
Visit Lyndzey’s Website
Snoophoggyhawg and Frugalocity2 on Instagram.
Spotify playlists: What He Had Said and Frugalocity Favorite Podcasts and #Snoophoggyhawg
Ep. 43 Real Estate, Real Talk: Robert Byrd on Service Over Sales
In this episode of Frugalocity, we sit down with Robert Byrd, a Georgia-based real estate pro who’s flipping the script on what it means to be a Realtor. Forget AI and Digital Disruptors–Robert is all about service, trust, and showing up for his clients long after the closing papers are signed.
With over 14 years in the industry, Robert shares how he’s built a business on relationships, not transactions. From helping single moms with home repairs to navigating a market flooded with corporate buyers and digital disruptors, he offers a refreshingly human take on real estate in a tech-heavy world.
We dig into:
• Why the housing market in GA isn’t following the national doom and gloom narrative.
• How Robert competes with big firms and AI-powered platforms by being radically personal.
• What buyers need to know about today’s market—and why skipping an agent could cost you more than you think.
• The surprising reason he hasn’t changed his process in a year—and why that’s a good thing.
Whether you’re buying, selling, or just curious about how real estate is evolving, this episode is packed with insights, honesty, and a whole lot of heart.
Drink Choffy and use code Richard15.
Chapman Hall and Robert Byrd.
Snoophoggyhawg and Frugalocity2 on Instagram.
Spotify playlists: What He Had Said and Frugalocity Favorite Podcasts and #Snoophoggyhawg
Ep. 42 The Land of Waterfalls
Join us for a breezy and heartfelt journey through NorthCarolina’s lush mountain charm, as we swap the typical beach vacation for a frugal adventure full of natural beauty, historical intrigue, and unexpected gems. From the opulent halls of the Biltmore Estate to a misty mountain top into Pisgah National Forest and Dupont State Park, this episode takes listeners through a refreshingly real family road trip that balanced affordability with unforgettable experiences.
• Biltmore Estate
- A deep dive into Gilded Age grandeur, sustainable land practices, and remarkable female leadership
- Takeaways on frugality and vision from Edith and Cornelia Vanderbilt’s legacy
- Wine tasting and stable café eats—not cheap, but worth the splurge
• Hiking Highlights
Quick stops at Moore’s Cove and Looking Glass Falls - A triumphant trek to High Falls, Triple Falls, and Hooker Falls (featured in Last of the Mohicans)
- Family swim spots, scenic views, and movie-worthy moments
• Where We Stayed - Rustic lakeside VRBO in Hendersonville
- Downtown surprises, including lunch at Mike’s Sandwich Shop
- Frugal feasts and fast-food fun with shoutouts to Pizza Hut and Binion’s
• Bonus Stops &Local Flavor - Fireworks and sunset from Jump-off Rock
- Sierra Nevada Brewery—great food, live music, and relaxed vibes
- Community spirit and local chats that shaped their itinerary
• Fun, Frugal & Fabulous Finale - Fourth of July playlist nods
- Reflections on travel, simplicity, and the beauty of small-town adventure
- A celebration of memory-making that doesn’t break the bank.
Whether you’re into history, hiking, or hopping from one quirky stop to the next, this episode wraps it all in a cozy, humorous, and down-to-earth tone. Ideal for anyone seeking a budget-friendly mountain escape—with a little splash of personality and a lot of love for the Carolinas.
Drink Choffy… use Richard15 for a discount.
Snoophoggyhawg and Frugalocity2 on Instagram.
Spotify playlists: What He Had Said and Frugalocity Favorite Podcasts and #Snoophoggyhawg
Ep. 41 A little extra credit? Where smart habits meet savvy credit moves…
A Little Extra Credit Work?
Where smart habits meet savvy credit moves…
Welcome back to Frugalocity, where today we roll up our sleeves for a little “extra credit” work—financially speaking. In this episode, we break down what makes up your credit score, why it matters, and how small, consistent actions can make a big impact over time.
In Credit 101, we compare your credit score to a financial GPA, explore the role of payment history and credit utilization, and tackle the age-old debate: Are credit cards friend or foe? (Spoiler: They’re tools—powerful, but only if used wisely.)
Then in Smart Habits for Strong Credit, we talk practical tips—keeping balances low, spacing out applications, checking reports regularly, and standing your ground against unfair medical billing.
Finally, in Credit Defense Mode, we look ahead to 2025’s best protective tools: freezing your credit, opting out of pre-approved offers, and layering in security with ChexSystems and smart alerts.
We wrap things up with some fun in the “Frugal and Fabulous” lane—touching on mystery shows, hidden gems in Georgia like Dahlonega and Sautee Nacoochee, and how to make small-town escapes feel like big wins.
It’s all about empowering listeners to stay curious, stayprotected, and enjoy the journey—without breaking the bank!
Drink Choffy… use Richard15 for a discount. Snoophoggyhawg and Frugalocity2 on Instagram.
Spotify playlists: What He Had Said and Frugalocity Favorite Podcasts and #Snoophoggyhawg
Ep 40 Get the Funk out with Shampoochie
Welcome back, Frugalocity fam! Today we’re lathering up some good clean fun with two special guests—Adam and Megan Reed, the owners behind Shampoochie, the all-natural, dog-loving, budget-friendly shampoo line your pups didn’t know they needed. We first met the Reed’s at the Cornelia Apple Festival and haven’t looked back since—because our muddy mutts, Snoophoggyhawg and Poppi, are living their best, freshest lives thanks to Shampoochie.
But here’s the twist: Shampoochie isn’t just for the furry ones. Their larger brand, From the Reedhive, brings handmade soaps and soothing salves to people too. We’ll dig into their origin story, talk about what sets their products apart (hint: no sulfates, dyes, or fake fragrances), and how they’re making wellness affordable for pets and people. Stick around for a behind-the-scenes peek in our “Fun, Frugal and Fabulous” segment—complete with hiking tips, book recs, and possibly a “What He Had Said” surprise.
Stay fresh, stay frugal, and let’s get into it.
As always please support our friends and share our podcast with others if you like it.
Drink Choffy… use Richard15 for a discount.
Shampoochie
Fromthereedhive
Snoophoggyhawg and Frugalocity2 on Instagram.
Spotify playlists: What He Had Said and Frugalocity Favorite Podcasts and #Snoophoggyhawg
Beyond the Battle Brunch with The Cancer Foundation
Step into an inspiring conversation with Amanda and Richard as they relive the highlights of The Cancer Foundation’s second-annual Beyond the Battle Brunch—a heartfelt gathering for cancer patients, their families, caregivers, and the community. They’ll take you behind the scenes of this special event, sharing the impact of charitable giving, the power of community, and what makes The Cancer Foundation truly stand out.
But that’s not all! They’ll shine a spotlight on the incredible vendors and sponsors who made the brunch possible and invite listeners to share their expertise on elder care. And to wrap things up, they’ll dish on their latest must-watch shows and favorite activities.
Join the journey and be part of the conversation!
Please follow us on instagram at Frugalocity and Snoophoggyhawg.
Please check out our website, Frugalocity.org.
Drink choffy at our affiliate link and use Richard15 for a discount.
Support The Cancer Foundation
Wealthy, Healthy and Wise – Millionaire Next Door?
Welcome to another insightful episode of Frugalocity!
This week, we’re diving into The Millionaire Next Door, a classic book that reveals surprising truths about how everyday individuals build lasting wealth.
We break down the seven key habits of self-made millionaires—ranging from living below their means to strategically choosing the right occupation. Plus, we add a 8th valuable insight from Charlie Munger: selecting a supportive spouse plays a bigger role in financial success than you might think.
But that’s not all—our “Fun, Frugal, and Fabulous” segment introduces two standout businesses that can save you money while enhancing your life:
✨ GetRiddy.com—A smart, budget-friendly approach to DIY pest control
✨ EncourageWellness & Performance—Customized massage therapy to keep you active and pain-free.
And of course, we close things out with “What He Had Said”, featuring a head-to-head match with Conner andRichard.
Stay frugal, stay fabulous,and don’t forget to follow us at Frugalocity.org and on Instagram at @snoophoggyhawg and @frugalocity2. And support our affiliates like Choffy.com (use Richard15) for a discount.
In this engaging podcast episode, Richard Raby and Carlos Pimenta discuss the evolution and impact of AI on everyday life, particularly for small and medium-sized businesses. Carlos (Charlie), CEO and Co-founder of Aethova, shares insights on how AI can demystify technology, enhance shopping experiences, and assist in budgeting. The conversation highlights the benefits of AI tools, the importance of adapting to technological changes, and the proactive measures individuals can take to leverage AI for financial savings and efficiency. In this conversation, Richard Raby and Charlie Pimenta explore the evolving landscape of AI tools and their implications for programming, legal insights, entrepreneurship, and personal finance. They discuss the comparative effectiveness of various AI models, the potential for AI to assist in financial matters, and how it can empower individuals to start businesses more easily than ever before. The conversation emphasizes the importance of AI literacy and practical engagement with these technologies to enhance productivity and career longevity.
Takeaways
- AI has a long history dating back to the 1950s.
- AI can help save households money through smart recommendations.
- AI is already integrated into everyday tools like online shopping and banking.
- Smart shopping assistants can find the best deals for consumers.
- AI budgeting apps help users manage subscriptions and expenses.
- Facing challenges with AI is essential for adaptation.
- AI tools can enhance convenience in daily tasks.
- The shift from traditional search engines to AI models is growing.
- Using AI can lead to smarter financial decisions. Copilot is lagging behind ChatGPT and Claude in programming assistance.
- AI tools can summarize complex documents like insurance policies.
- AI can help generate legal documents but should not replace legal advice.
- Entrepreneurs can leverage AI to identify viable business ideas.
- AI can simulate market tests to validate business concepts quickly.
- Using AI, individuals can draft business plans and marketing strategies.
- AI can assist in creating websites and branding materials.
- Learning to prompt AI effectively is crucial for maximizing its potential.
- AI literacy is essential for career growth in today’s job market.
- Engaging with AI tools can lead to significant cost savings and increased income opportunities.
Follow our link to Choffy for a 15% discount (use Richard15) and to support Frugalocity
Aethova’s Charlie Pimenta
Snoophoggyhawg on Instagram
Frugalocity2 on Instagram
Your HVAC Guys + Property Taxes + What he had said
Discover the power of truly exceptional customer service in this episode, as Richard highlights two local gems: Your HVAC Guys and Commercial Property Tax Professionals. You’ll hear the incredible stories of how these businesses didn’t just meet expectations, they shattered them, providing unforgettable experiences. If you’re curious to learn more about navigating the complexities of property taxes, be sure to check out Richard’s deep dive with the owner of Commercial Property Tax Professionals in Episode 33Drink Choffy, use Richard15 for 15% off.
Commercial Property Tax Professionals
Follow our link to Choffy for a 15% discount (use Richard15) and to support Frugalocity
Snoophoggyhawg on Instagram
Frugalocity2 on Instagram
Mouth Breathers, Vit-a-men’s and Oral Hygiene
This episode centers on practical health tips, focusing on supplements and oral care as part of a broader effort to enhance long-term well-being. Drawing insights from trusted sources like Dr. Peter Attia and Dr. Mark Burhenne of Ask the Dentist, the host shares distilled information to help listeners make smarter choices without needing a medical degree. With a clear disclaimer that he’s not a doctor—just someone aiming to avoid hospitals later in life—the conversation emphasizes proactive, accessible steps anyone can take to support both internal and dental health.
Links mentioned: Peter Attia’s Website and Ask the Dentist
Something Fishy? Fish oil, Creative, and Caffeine and Healthy Choices
This installment of Frugalocity dives into the world of health supplements, focusing on how everyday choices can lead to a longer, more fulfilling life. The host shares personal experiences and lessons learned from respected health experts like Peter Attia, Jordan Syatt, Gary Brecka, and Mark Hyman. Emphasizing balance over extremes, the conversation explores how small, consistent efforts—such as smarter supplement use and less self-indulgent habits—can enhance both healthspan and lifespan. It’s an honest, motivational look at aging well without needing to become a hardcore fitness fanatic.
Links mentioned: Peter Attia’s Website
Shh… Property Tax Appeal Secrets with Commercial Property Tax Professionals
In this engaging episode, the host welcomes Art Prizbyl from Commercial Property Tax Professionals for a candid and informative conversation about navigating the complexities of property tax appeals. Art shares insights into how his firm helps clients save money by challenging commercial property tax assessments, highlighting the surprising strategies and common pitfalls property owners should be aware of. With a lighthearted tone and practical advice, the discussion emphasizes the importance of being proactive with taxes and offers valuable tips that could lead to significant financial benefits for property owners.
Links mentioned: cptaxpro.com and, boetaxappeals.com
Snoophoggyhawg on Instagram
Frugalocity2 on Instagram
Author J.E. Dickens discusses Middle School Days – A Picture of Change
In this conversation, Richard sits down with J. E. Dickens, author of Middle School Days, to explore the importance of reading and storytelling in a well-rounded, abundant life. While not directly about frugal spending, the discussion emphasizes how reading can enrich lives by expanding knowledge, deepening empathy, and offering tools for navigating challenges. The hosts highlight the value of fostering a reading habit, especially in a digital age dominated by quick content, and applaud Dickens’ efforts to engage young readers with relatable stories and meaningful themes. The dialogue blends inspiration with a gentle reminder that personal growth is a key part of living well.
Links mentioned: govx.com
This laid-back episode takes place on the back porch, where Amanda and Richard reflect on their recent trip to Pensacola Beach and tie it into their broader message of living well without financial strain. They discuss how vacations, while valuable for rest and connection, can often lead to unnecessary debt—citing that nearly three-quarters of Americans go into debt to fund travel, with a significant portion still paying it off a year later. To help with the cost of their trip they found that sometimes checking the bookings sites of hotels/condos in the area instead of just booking through VRBO can actually save you more money. Through personal anecdotes and financial insight, they highlight the importance of planning trips that fit your budget, emphasizing that memorable experiences don’t have to come with long-term financial consequences. Lastly, they recommended some of their favorite places in Pensacola like Peg Leg Pete’s, McGuire’s Irish Pub, and The Blue Wahoos Stadium.
All things Cacoa with Choffy founder, Jason Vanderhoven
In this episode, Jason Vanderhoven, founder of Choffy, shares the story behind his innovative product made from 100% roasted and ground cacao beans. Designed to be brewed like coffee or tea, Choffy offers a unique, healthier alternative to traditional caffeinated drinks. Jason explains how he launched the company in 2006 and developed a proprietary process to bring out the rich flavor and natural benefits of cacao. The discussion touches on the product’s origins, health advantages, and how it fits into a frugal and intentional lifestyle, offering listeners an intriguing look at a beverage that bridges the gap between indulgence and wellness.
Reverse Mortgages with Todd Sheppard of Inspired Mortgage Brokers
In this episode, Richard has an eye-opening discussion with Todd Sheppard of Inspired Mortgage Brokers about the often-misunderstood world of reverse mortgages. Todd breaks down the key features, potential benefits, and common misconceptions surrounding these financial tools, offering a balanced perspective that challenges the stigma they sometimes carry. The conversation serves as a helpful primer for listeners who may be considering a reverse mortgage or simply want to better understand their options. Todd also shares four important questions consumers should ask lenders before moving forward, emphasizing informed decision-making. To end the episode Todd and Richard mention some of the things they’ve been reading and watching lately. These include, Premonition by Michael Lewis, The Generosity Mindset by John Ray and The Pit streaming on Max.
Frugalocity endorsed Chip Geppi of Hybrid and Electric Car Sales
In this episode, Richard engages in a lively and informative conversation with Chip Geppi, an expert in hybrid and electric vehicle ownership. Chip shares insights into how his shop supports these technologies and offers practical advice for those considering the switch to more energy-efficient cars. Beyond his technical know-how, Chip’s passion for helping others comes through, adding a personal and authentic touch to the discussion. The episode also highlights Chip’s upcoming podcast, The Breakdown, and clears up a minor error about Rivian’s manufacturing presence in Georgia. If you want more information about Chip and his business visit his website hybridandelectriccarsales.com.
Richard talks with the Four Stooges Conner Raby, Jackson McCloskey, Jason Galasso, and Baine City about all things March Madness. The group speaks about ways to find the Cinderellas and the Blue Bloods of the tournament. In Addition, they mention their Dark Horses, St. Peter’s Peacock picks, and The High-end Heartbreakers.
The Setzer Group talks Turf Management
In this episode, Richard sits down with Robert Setzer of The Setzer Group to discuss the ins and outs of turf management and running a growing service-based business. Robert shares the geographic reach of his operations across Georgia—including Buford, Flowery Branch, Marietta, and beyond—as well as upcoming expansion plans into Tennessee. The conversation highlights the challenges and strategies involved in managing a successful turf care company, offering insights for both homeowners interested in lawn care and entrepreneurs looking to grow a local business.
The Plumb Truth with Joe Pond of Pond Plumbing & Drain
In this episode of Frugalocity, Richard welcomes plumbing expert Joe Pond ,owner of Pond Plumbing and Drain, for a practical and insightful conversation about home plumbing. Joe, a trusted professional in the Flowery Branch and Gainesville area, shares his background, values, and key advice on how to avoid costly plumbing disasters. The episode highlights the importance of preventative maintenance, knowing when to call in a pro, and how having a reliable plumber can save both money and stress. True to Frugalocity’s mission, the discussion blends expertise with humor and a focus on living abundantly without overspending.
With a little help from TJ & Friends
Richard and Amanda talk with Darren and Michelle Scarborough about their cancer foundation “TJ and Friends”. During the episode Darren and Michelle tell amazing heart-warming stories about their journey creating a successful foundation. They also mention the foundations milestones and accomplishments such as raising 1.4 million dollars in donations distributed to over 2800 people. In addition, Darren talks about all the interesting ways they raise money for the foundation. We would love it if you would take a listen into this amazing episode. TJ & Friends Foundation, TJ & Friends Events
Conner and Richard discuss haircuts. Specifically, not taking a haircut (losing value) on bad draft picks in their “Way too Early Fantasy Football Draft Picks”. Somehow this also meanders into saving money on haircuts and a recommendation for Royal Lakes (RL) Hair Salon (ask for Ainsley) as Richard has yet to find an “Aight Clips” that meets his definition of a good, cheap haircut. RL Hair Salon
Valentine’s Day On A Budget? Can It Be?
Richard and Amanda tell stories about previous dates and ways they found to save money but still have fun on dates in preparation for one of the most dangerous days on the calendar for many… Valentine’s Day. The moral of the story is, of course, Valentine’s Day can be executed on a budget, but showing affection throughout the year is more important than grand gestures on one day. As expected, somehow Mix Tapes versus Spotify playlists, Two-buckchuck, Waffle House, Mexican food and Margaritas work their way into the conversation as well. Also, There is a strange conversation about a “glove of carlic”. What is a “glove of carlic”, by the way?
The Cancer Foundation + Tina Laseter +Non-Profit work
The Raby family and good friend Tina Laseter talk about The Cancer Foundation and how they’ve grown over the years. As well as talking about career paths through the non-profit industry. They also mention The Clute Barrow Nelson Life Foundation, Atlantacancercare, and The TJ and Friends Foundation.
Todd Sheppard of Inspired Mortgage Brokers and Richard have an in-depth conversation regarding mortgages and real estate. Highlights include Optoutprescreen, discussion of credit scores, types of mortgage solutions, property taxes, and credit monitoring. Todd’s 25+ years of experience and knowledge are evident in all of the specialized solutions he has available for clients. Todd and Richard finish up talking about hiking trips and what they are watching and reading. They also mention Gary Nix from https://garedepot.com/about/
It rhymes with Trucks and Logs- Playoff and Fantasy Football Predictions and Recaps
Richard and Conner talk all things College Football Playoff and their predictions. As well as breakdowns of do’s and don’ts of fantasy football. Along with predictions for next year.
Richard and Amanda break down movies youngsters need to watch from Amanda’s perspective instead of the guy perspective referenced in Episode 17 with Shane Higgins. Shows range from Princess Bride to 10 things I hate about You while Richard lobbies for Coming to America and Braveheart. Additionally, they bring up books and music they are listening to such as Peter Gabriel/Jason Isbell/Patterson Hood and Kristen Hannah. Finally, Richard mentions the All the Hacks podcast, Top 10 Takeaways from 2024:
Career Advice + Blind Squirrels + Total Consciousness
Richard and good friend Shane Higgins talk about career choices outside the traditional college path, in particular, the healthcare industry. Additionally they delve into what classic movies and TV shows younger workers should watch in order to achieve “total consciousness”.
It’s about to get ‘Real’ – Real estate wisdom with expert Gary Nix of Garedepot.com
Richard and Conner Raby discuss the value proposition of a good real estate agent with real estate agent Gary Nix from Georgia Real Estate Agent Depot. As they talk about Gary’s journey from corporate job to a very successful real estate agent. In addition, the crew delves into questions fellow frugalites should ask and things they should look for when shopping for real estate. Local vendors were mentioned that are Frugalite approved and Gary Nix approved: Sean Pogue of Yourhvacguysllc.com, Gainesville Flooring, Mainstay Construction and Pond Plumbing and Drain
PHD in Mickeynomics from Frugalocity
This episode dives into how we saved money during our recent trip by making breakfast and lunch at the hotel—a simple trick that helped us enjoy our vacation without overspending. We then took a visit to St. Augustine, where we explored the stunning Flagler College and the Lightner museum, soaking up history and architecture.
Next, we discuss some of our favorite Disney rides and the fascinating way Disney gets you to spend money—from irresistible souvenirs to the whole “Disney experience.” We also learned that now staying at a Disney resort comes with perks like the FastPass, a nice bonus for skipping the lines. That said, while Disney’s mindset doesn’t exactly align with the frugal approach, it was still an unforgettable experience.
In our Reading, Watching, and Doing segment, Conner shares his excitement about the Georgia basketball team looking promising this season and his latest watch, the Starting 5. Meanwhile, Amanda, Richard, and Kenzie are all getting into Dune Prophecy, diving into the epic saga. We also talk about recent movie nights with classics like The Bourne Identity and Lethal Weapon 3, and of course, Amanda and Richard are still hooked on Yellowstone, soaking up the drama.
Frugalocity makes good,good sense/cent!?
In this episode Richard & Amanda break down essential tips for navigating Black Friday and maximizing your shopping experience. We recommend using price comparison tools and websites like blackfriday.com to ensure you’re getting the best deals. Don’t forget to read return policies carefully, as some retailers ease their restrictions for Black Friday shoppers. And while it’s tempting to splurge, consider using credit to spread out payments, but make sure to bookmark deals for Cyber Monday too, so you’re ready for the online discounts. For even more savings, check out allthehacks.com, a great resource for life-hacking tips, including shopping strategies. But beyond all the discounts, the best advice? Spend more time with family than focusing on spending money—Black Friday doesn’t have to be all about the hustle.Also, keep an eye out for some of our favorite discounts, like Walmart Prime deals or NFL Sunday Ticket at half price. On that note, Richard and Amanda shared some of their favorites tv shows and books including: The Diplomat, Yellowstone, Smokehouse Divided, and Bad Sisters. Richard also mentioned he’d been watching Penguin, Tulsa King, and trying to push through the Lioness whilst Amanda is watching a television classic: Grey’s Anatomy.
An Un-bear-ably good road Trip
In this episode, Amanda, Richard, and #Snoophoggyhawg embarked on a frugal yet scenic road trip to Cashiers and Highlands, North Carolina, exploring the stunning mountain landscapes and hidden gems of the region. Their adventure begins in the Highlands, where they visit the gorgeous Dry Falls and take in the beauty of Bridal Veil Falls, followed by the majestic Whitewater Falls and the iconic Shadow of the Bear in Cashiers, NC. Along the way, they also reflect on how the small town charm of Highlands, which was hit by Hurricane Helene, has bounced back and retained its welcoming, Hallmark movie-esque atmosphere. From breathtaking waterfalls to cozy small-town vibes, this episode captures the essence of a perfect autumnal road trip.
In this episode, the Raby family celebrates Halloween through the lens of frugality and fun. Amanda, Richard and their son Conner explore why Halloween is a favorite among “Frugalites”—you dress up, put in effort, and get a tax-free reward: candy. The episode mixes humor with a light-hearted commentary on effort and reward, using Halloween as a playful metaphor for capitalism. Specifically, they get into a long discussion of their favorite candies leading into a bit of a debate and reminiscence about trading candy back in the good ol’ days. The hosts also share personal anecdotes and tips on how frugal families can enjoy the holiday without overspending, all while keeping the spirit of joy and laughter alive.
Savin ‘Dat Money Old School Style – Car Talk
In this episode of Frugalocity, Richard hosts longtime friend and car expert Corey Doster for a practical discussion on saving money through smart car maintenance. Corey, whose father ran the well-respected Doster’s Garage for over 40 years, shares insights from a lifetime around cars, emphasizing the value of trustworthy local auto shops. Building on Episode 6’s focus on buying and selling vehicles, this episode shifts to maintaining them affordably and responsibly. With humor, personal stories, and hands-on advice, the episode highlights how old-school wisdom still pays off in car care today.
In this episode of Frugalocity, Amanda and Richard dive into the world of couponing and smart shopping strategies to combat rising grocery costs. While they admit they’re not extreme couponers who slash $100 bills down to $5, they share their practical approach to saving money on everyday essentials. The episode spotlights resources like Southern Savers and offers tips on forming sustainable shopping habits. With humor and honesty, the Rabys reflect on their own grocery spending and savings, aiming to help listeners shop smarter without getting overwhelmed. Lastly they mention some of their favorites they have been watching recently including The Penguin, Nobody Wants This, The Way, and Shrinking.
Car Purchases: Knowledge is Power
The Raby Family welcomes Bart Gadlage, car aficionado, to discuss how a fellow frugalite saves money when buying a car. Discussions range from things like Curb rash (hope that doesn’t spread), Lipstick on a Pig, and Knowing who the sucker is to helpful sites and services like Lemon Squad, Carfax, Autocheck, Wholesalechad.com, Givemethevin.com, Vinwiki, Carvana, Autonation, Carwizard, Hoovies, and Everydaydriver. Also, thanks to our sponsor, JPC Sticker Shop.
Scattered, Smothered and Covered- All Star Special
Richard, Conner and #Snoophoggyhawg welcomed Sam Canales and Daniel McKenzie to have in depth discussion of the art of the order and frugality at Waffle House (AKA- Southern Style Hibachi). In depth discussions about Hash Brown bowl hacks/Steak and Eggs hacks (Sirloin or T-bone)/Texas Sausage/Capped Hash Browns/Chocolate Milk/”To go” orders/Tipflation and much more were had. FEMA Waffle House Index, Fantasy football challenges at Waffle House, Georgia Museum of Art exhibit on Waffle House. Life hacks around Amazon Prime and plant shopping this time of year. Businesses mentioned in the podcast were: Setzer Landscaping, Waffle House, Home Depot and Lowes. Favorites mentioned were Nobody Wants This, The Penguin, Taylor Pearson Essay “How to Improve your mindset”, Band of Brothers, Hootie and the Blowfish “Scattered, smothered and covered”, NFL Films Football Life, The Express (The Ernie Davis Story), Kinchafoonee Cowboys, Allman Brothers and Jimmy Carter story. Keep Laughin, everyone!
Notes from the Festival and Apple Orchard recap: Big Red Apple Festival and Georgia Apple Festival are great. Lots to see with many vendors. We visited with many entrepreneurs putting forth lots of fantastic, unique items for everyone who attended. So many talented people there putting for their best effort. The Apple Festivals might be a little cheaper than all of the Apple Orchards we mentioned but the Orchards are a lot of fun. Businesses mentioned in the podcast were: SpungePossible, The Humble Gnome, Shampoochie, Farmhouse Poundcakes, Aussome Design, Setzer Landscaping, Red Apple Barn, Mercier Orchards, and BJ Reece Orchards. Favorites mentioned were: Greenlights by Matthew McConaughey, Chef’s Table Pizza on Netflix, Kristen Hannah’s The Nightingale, and Podcast “Classic City Crimes”.
Notes from our discussion with Cornelia’s Noah Hamlin about the Big Red Apple Festival: Richard and Conner are Joined by the Mainstreet Media Manager in Cornelia, Noah Hammel. This episode discusses the 36th Annual Big Red Apple Festival in Cornelia Georgia. This festival is used to promote business and crafts from around the area. The episode also went into the history and influence of Cornelia in Georgia. Businesses mentioned: The Ax Armory, Fender’s Diner, Piedmont University, Big Daddy’s, Farmacia, FWS Bakery, Marley Spoon, Atlantaonthecheap, . Favorites mentioned: Greenlights by Matthew McConaughey, The Old Man on FX, The Perfect Couple and Daredevil on Netflix. Follow Cornelia at Cornelia.city.
Fantasy Wranglers – “If you can feel it, draft it”
Richard and Conner discussed Fantasy Football strategies for Frugalites. Sites and apps associated with The Fantasy Footballers, The Draft Wizard and Fantasy Pros, along with the Sleeper app for tracking under-the-radar players. For favorites, Sam gives a shout out to the sports page Secret Base, while Richard shares his love for the book Richer, Wiser, Happier by William Green.
Richard and Amanda welcomed in the Beautiful Barista, Mckenzie to talk about the many ways to try and save money on morning drinks. We run through the costs associated with different drinks at Starbucks, Jittery Joes, Dunkin Donuts and Caribou Coffee. We discuss CrioBru and other energy drinks and their cost along with brewing at home versus on the road. We also discuss markups on different additions to the drinks. Finally, some favorite picks from Amanda & Richard that come highly recommended are the books and shows Bad Monkey, Bloodline, Gilmore Girls, and Alien: Romulus, as well as the popular novel It Ends With Us by Colleen Hoover. In addition, some favorites from McKenzie include Cafe Racer and the book White Noise by Don Delillo.