Frugalocity - Where our motto is Do more! Spend Less! And Live Abundantly!

Richard Raby
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  • Self-Improvement
  • Updated Weekly

Community gathering of fellow savers trying to have fun and save money at the same time. Our mission is to encourage frugal behavior in individuals so they can build momentum towards financial freedom and have fun at the same time. Check out our website www.frugalocity.org!

  1. #77 - "No body" does it better -- Arby's has the meats and so much more

    5d ago

    #77 - "No body" does it better -- Arby's has the meats and so much more

    This episode is pure fast‑food chaos, nostalgia, and unapologetic Arby’s advocacy. Richard and the incomparable Dave Wall dive headfirst into the cultural meme‑storm surrounding Arby’s, arguing—loudly, proudly, and hilariously—that the hate is completely undeserved. What follows is a 40‑minute defense of the most ridiculed restaurant in America, delivered with roast‑beef‑fueled passion and the kind of banter only two longtime friends can pull off. 🔥 The Core Vibe This is an ode to Arby’s: the meats, the myths, the memes, the misunderstood magic. Richard and Dave push back on decades of pop‑culture slander—from The Simpsons to Reddit threads—by walking listeners through the real Arby’s experience: the roast beef sliced on site, the underrated sides, the forgotten deals, and the sheer variety that no other fast‑food chain even attempts. 🍖 Key Themes & Moments Arby’s Reputation War The guys tackle the “Nickelback of fast food” stigma head‑on. They argue it’s trendy to hate Arby’s, not logical. As Richard puts it, “It’s a myth.” The Meats Are Real, Folks Richard debunks the old “liquid meat” rumor, explaining how Arby’s actually roasts compressed beef chunks on site. Taste Test Time Richard eats the new Philly cheesesteak live on air—sharp Cooper cheddar, Angus beef, onions—and gives it a thumbs‑up. Dave reviews the pecan chicken salad sandwich, comparing it to Chicken Salad Chick but at 30% less cost. Nostalgia Bombs The legendary 5 for $5, the 25‑cent supers, coupon buddies, glove‑box coupon stashes, and the fiscal discipline Arby’s taught every broke teenager in the 90s. Sides That Deserve Respect Curly fries, potato cakes, mozzarella sticks, fruit turnovers, Jamocha shakes, seasonal turkey gobblers, and even the ghost‑pepper “Diablo Dare” challenge. The Meat Mountain The mythical off‑menu monstrosity: chicken tenders, turkey, ham, corned beef, brisket, Angus steak, roast beef, bacon—stacked between two buns. Dave is stunned this exists. Fast‑Food Philosophy The guys compare sauce policies, lament shrinkflation, and roast restaurants that charge 25 cents for extra sauce. Arby’s, they argue, still understands generosity. Cultural Tangents - (The fellas digress here a bit) World Cup visitors discovering ranch dressing. Europeans losing their minds over Waffle House. The “trade school” jokes about Auburn. The Honda Fit. The bourbon detour. It’s all here. 🎧 The Essence This episode is a love letter to Arby’s wrapped in comedy, nostalgia, and genuine appreciation. Richard and Dave make the case that Arby’s isn’t just a fast‑food joint—it’s an institution that shaped their youth, their budgets, and their taste buds. It’s comfort food, it’s variety, it’s value, and above all… It’s the only place bold enough to say: “We have the meats.” And according to these two? Nobody does it better. Sites we follow and support: Drink Choffy, use Richard15 for a discount of brewed Cacao! Frugalocity Instagram sites Snoophoggyhawg and Frugalocity2 Frugalocity Favorite Podcasts Frugal Friends Shampoochie

    1h 5m
  2. #76 BallHawgs Coming in Hot and Smelling like Freedom

    Jun 12

    #76 BallHawgs Coming in Hot and Smelling like Freedom

    This episode of the World Famous BallHawgs Podcast fires on all cylinders as Richard, Aiden, Connor, Tristan, and Finn break down a packed sports weekend — from Omaha to the Octagon to Madison Square Garden. The crew opens by celebrating their prediction that Georgia would reach the College World Series, reminding listeners, “we called the Bulldogs in the College World Series last week”. They dive into the full CWS bracket: SEC dominance, dramatic comebacks, underdog stories, and why Troy might be this year’s Coastal Carolina. Georgia’s resilience becomes a theme, especially after “they were down seven to nothing and came back to win the game” . From there, the show shifts into a spirited debate on NIL, player motivation, and how the landscape of college sports has changed. The crew compares it to UFC prelim fighters grinding for survival, noting that many college athletes “already made it once they get into college… they’re not hungry anymore” . Then the boys go full throttle into the Freedom 250 UFC card on the White House lawn — a setting they describe as smelling like “patriotism and freedom”. They break down every major fight: Ilya Topuria vs. Justin Gaethje — with Finn calling a bold upset and the group roasting Ilya’s theatrics. Alex Pereira vs. Ciryl Gane — including the revelation that Gane is “a white belt in jiu-jitsu… he’s gonna die” . Sugar Sean O’Malley, Josh Hokit vs. Derrick Lewis, and more — complete with signature BallHawgs humor, including the infamous “my balls was hot punch” reference. The crew also detours into NBA Finals chaos, ripping Knicks fans after a viral street fight and debating whether today’s NBA is too soft. They even wander into movie talk, shaming anyone who hasn’t seen Rocky or Rambo. The episode wraps with quick hits on the World Cup, more college baseball picks, and a reminder that BallHawgs will be back for the McGregor–Holloway card in July. Why This Episode Hits? It’s classic BallHawgs: Big opinions Big laughs Real sports insight Zero fear of controversy And the perfect blend of college baseball nerdiness and UFC fanaticism A fast, funny, high‑energy ride from start to finish. Instagram sites Snoophoggyhawg and Frugalocity2, https://www.instagram.com/snoophoggyhawg/ https://www.instagram.com/frugalocity2/ Drink Choffy, use Richard15… https://509be2.myshopify.com/?bg_ref=G92KlrFDuT Shampoochie https://shampoochie.com/ Encourage Wellness and Performance https://www.encouragewellnessandperformance.com/ Georgia Real Estate Depot https://garedepot.com/about/ Robert Byrd

    45 min

  3. Jun 3

    #75 - BallHawgs breakdown the Road to Omaha

    In this episode of Frugalocity’s BallHawgs, Richard and Conner dive head first into the glorious chaos of the NCAA baseball tournament — a bracket so busted that, as they put it, “the College World Series bracket looks like it was designed by a genuine Dawg with a UGA collar on.” With UCLA and Georgia Tech both knocked out early, the path has unexpectedly cleared, leaving Georgia as the highest seed left standing and giving the Dawgs a very real shot at Omaha. The guys break down why this team is dangerous: elite momentum, a nation leading home run machine, SEC dominance, and immaculate vibes powered by sour candy celebrations and the legendary “White Rhino,” Daniel Jackson. They also tackle the controversial Trey Phelps suspension, calling out the umpire who tossed him for simply waving to his aunt — a moment that might actually fuel the team’s fire heading into the Super Regional against Mississippi State. From there, the episode zooms out to the rest of the tournament: upsets everywhere, sleeper teams like Troy and Cal-Poly making noise, SEC squads cannibalizing each other, and the pure joy of college baseball — suicide squeezes, beach balls in the stands, and fans singing “Country Roads” in Morgantown. The show closes with the official BallHawgs stance: “the Dawgs are the highest seed left standing” and Omaha is calling — but no jinxes allowed. In addition, they reference the local Oconee/Athens connection the last time UGA won a national championship. Plus, a reminder to vote Daniel Jackson for the Golden Spikes Award and a PSA about the legendary Omaha Jell O Shot Challenge. It’s high energy, chaotic, deeply biased toward the Dawgs, and everything college baseball fans love. Links we follow: Frugalocity Instagram sites Snoophoggyhawg and Frugalocity2 Drink choffy, the original brewed cacoa. Shampoochie Georgia Real Estate Depot

    31 min

  4. May 23

    #74 - Riding the Leopard and Living Abundantly

    “Riding the Leopard… and Living Abundantly” This episode takes the Frugalocity mantra — Do more. Spend less. Live abundantly. — and stretches it into the age of AI, meaning, and what it actually means to be human when machines can do almost everything except live. Richard and Conner dive into Packy McCormick’s viral talk “Riding the Leopard,” a philosophy-heavy exploration of how to stay fully alive in a world of abundance. Instead of asking whether AI will save us or destroy us, the episode reframes the real question: What’s left for humans to do that actually matters? AI Isn’t the Point — Experience Is The hosts push back on the idea that AI’s purpose is productivity. As the episode puts it, “Doing more doesn’t mean doing more tasks — it means doing more living.” AI should expand human experience, not flatten it into sameness or “compress mediocrity.” Packy’s core claim — quoted directly in the episode — is that the meaning of life is to expand the range of conscious experience. Ease alone can make life smaller. Abundance should make life more vivid. Viktor Frankl Enters the Chat Richard brings in Viktor Frankl, whose philosophy from Man’s Search for Meaning fits perfectly with Packy’s argument. The episode quotes and paraphrases Frankl’s central ideas, including: “Life isn’t about what we want from it — it’s about what it asks of us.” (from the transcript) Frankl’s message is that meaning comes from responsibility, choice, and how we respond to life — even in suffering. As the episode explains, Frankl believed: “If you had meaning in your life, you could survive anything.” (from the transcript) And the hosts connect this directly to AI anxiety: when people ask “What am I for?” Frankl’s answer still applies — you are for responsibility, for responding to life, for choosing meaning. The Moral Obligation to Be Yourself One of the sharpest ideas from Packy’s talk — highlighted in the episode — is the danger of sameness. If AI makes everything generic, the world loses the unique “slice of the universe” each person represents. As the episode quotes: “Differentiation is a moral obligation.” Doing more means doing more of what only you can do. That’s the heart of abundance. What the Future Should Look Like The hosts paint a picture of a future where AI clears away busywork so humans can focus on: • Real relationships • Curiosity • Wonder • Creation • Being fully alive Not a future where convenience replaces meaning. As the episode puts it: “AI should free you to do what only a human can do.” Riding the Leopard, the Frugalocity Way The episode closes by merging Packy’s and Frankl’s philosophies into a single Frugalocity thesis: Do more — expand your experience. Spend less — waste less of your life on the trivial. Live abundantly — be the fullest version of yourself. And the mic drop line: “Use the tools. Don’t become the tool.” The hosts also highlight a favorite quote from Sherry Ning’s essay "I Need Whimsy but Also Need to Be Taken Seriously": “The loser mentality is an insult to God because you’re handed a singular, unrepeatable flame of consciousness… and you are choosing to let it gutter out in self-pity.” It’s the perfect capstone to an episode about meaning, responsibility, and living vividly in an age of abundance. Sites we like and follow: Frugalocity Instagram sites Snoophoggyhawg and Frugalocity2 Drink Choffy, use Richard15 Shampoochie Georgia Real Estate Depot Not Boring by Packy McCormick

    15 min

  5. May 7

    #73 - The Car Debt Trap and the Frugal Way Out – Dare we say Trade Schools?

    This episode dives into one of the most painful financialhangovers of the pandemic era: the car debt trap. As Amanda and Richard put it, “about one in three Americans trading in a car owes more than that car is worth.” And the numbers are brutal — long loans, inflated prices, androlled‑over balances have left many drivers thousands underwater. But the show doesn’t stop at the headlines. The realmessage is that this isn’t just a car story — it’s a knowledge story. Why Americans Are Stuck The hosts break down how buyers got trapped: Cars bought and peak pandemic pricesNegative equity rolled into the next loans6-8 loans that have low payments but enormous total costsPanic trading when a warning light pops up. As Richard says, “A cheap payment is not the samething as a cheap car.” The Frugal Escape Route: Skills Instead of preaching “don’t buy cars,” the episodereframes the problem: Skills change the math. Knowing how cars work — even at a basic level — givesyou: Confidence to buy older, cheaper cars. Ability to diagnose simple issues. Leverage to negotiate better deals. Freedom from overpriced labor. The hosts share real stories of buying $500–$2,500 cars,fixing minor issues, and driving them for years — sometimes even selling them for what they paid. They then pivot to a solution hiding in plain sight: Trade Schools Trade Schools as a Financial Strategy-- A major theme: trade skills aren’t just a career path —they’re a money path. The episode highlights: Georgia’s Technical College System (22 campuses, hands on automotive programs)How mechanics, HVAC techs, welders, and plumbers routinely earn $60K–$100K+How a 5 semester automotive program can pay for itself with one avoided bad car purchaseWhy society undervalues trades — and why that needs to changeThe message is clear: Understanding machines gives youleverage — in your budget, your decisions, and your life and that can provide a better path to travel. Two Paths: Debt vs. Capability The hosts lay out the contrast: Path 1: Debt‑Driven • Frequent trade ins• Rolling negative equity• Long loans• Constant depreciationPath 2: Skills‑Driven • Older, cheaper cars• Selective repairs• Longer ownership• Less panic• More confidence• Optional side incomeCapability wins. Fun, Frugal, Fabulous The episode closes with its Fun, Frugal, Fabulous Section: • Alex Karnal’s interview on the Invest Like the Best podcast on preventive healthcare• A new Elin Hilderbrand book• A lake trip• A grocery store misadventure that perfectly illustrates the difference between frugal and cheap. Final Takeaway The car bubble isn’t just about bad timing — it’s aboutvulnerability. The way out is knowledge, habits, and skills. The most frugal car upgrade isn’t always newer model. Moreimportantly, it’s knowing how the car you already own actually works. Sites we like and follow: Frugalocity Instagram sites Snoophoggyhawg and Frugalocity Spotify, Frugalocity Favorite Podcasts Drink Choffy, use Richard15 Shampoochie Georgia Real Estate Depot Technical College System of Georgia MikeRoweWorks

    28 min

  6. May 2

    #72 - The Ultimate Fighting Championship, aka, the Most Entertaining Sport in the World (UFC 328 Preview (with Bain & Finn)

    A wild, unfiltered ride through one of the most chaoticcards of the year. Frugalocity’s Episode 72 delivers a wild, unfiltered UFC 328 preview as Bain and Finn break down the Newark card with full‑throttle chaos, roasting the Chimaev vs. Strickland main event as a likely 25‑minute hugfest, hyping the high‑stakes Van vs. Taira flyweight showdown, and laughing through heavyweight unpredictability with Volkov vs. Waldo. They debate the striker‑vs‑grappler madness of Buckley vs. Brady, shrug at the “rent money fight” between King Green and Jeremy Stephens, and admit the early prelims are mostly a mystery outside of the Ngannou‑sized Gokeyev. Classic Ballhawgs detours erupt as they argue JDM’s future, Paddy’s allergy to real contenders, whether Ilia is dodging Arman, who actually pulled out of Islam vs. Ilia, the true MMA GOAT, the best base for fighting, and why Michael Chandler is pure entertainment and zero strategy. GOAT talk wraps the show with love for GSP, respect for Mighty Mouse, complications around Jon Jones, Volk’s rise, and the eternal circus that is Conor McGregor.Links we follow and you should too: Frugalocity #Drink Choffy, use Richard15 Shampoochie Instagram sites Snoophoggyhawg and Frugalocity2 Encourage Wellness and Performance Georgia Real Estate Depot Parrish Myers, Realtor

    45 min

  7. Apr 18

    #71 - Charity Starts at Home: A Conversation with realtor Parrish Myers

    This episode of Frugalocity dives deep into the life,mission, and heart of Parrish Myers —  pastor, former teacher and hospice chaplain, and now a real estate agent with a purpose. From the opening blues‑music banterto the final laughs about pickleball and guacamole, the conversation reveals a man whose entire career has been shaped by service. Parrish shares how his journey from Watkinsville to thepulpit to the classroom prepared him for real estate in ways most agents never experience. As he puts it, buying or selling a home is “your most expensive asset… your entire retirement” and people deserve someone who treats thatresponsibility with integrity and compassion. His pastoral and teaching background gives him a unique ability to guide, support, and genuinely care for clients during one of life’s most emotional financial decisions. But the heart of the episode — and the reason Richardbrought him on — is Parrish’s extraordinary commitment to giving away 10% of his net commission to local charities. Not national organizations with vague overhead, but vetted, boots‑on‑the‑ground ministries he personally tours,reviews, and believes in. As he explains, “I will take that 10% amount… and slide it across the desk to them… and here is a list of charities that I have personally vetted. You choose from this list.” He even invites clients to join him when he delivers thedonation so they can see exactly where the money goes. One of the most powerful moments comes when Parrish recounts watching a hungry student tear into a backpack of donated food — “his cheeks puffed out like a squirrel” — because he knew it would be divided among hisfamily when he got home. That moment shaped his lifelong commitment to supporting organizations like iServe, which distributes food boxes and thousands of weekend backpacks to kids in Jackson and Madison counties. The episode also tackles the big question: How are youngbuyers supposed to afford a home in 2026? Parrish breaks down FHA loans, VA loans, credit pitfalls, and the biggest mistake first‑time buyers make — falling in love with a house before knowing what they can actually afford. Ashe puts it, “Stop thinking you should have everything your parents have right now… they worked a lifetime for that.” The conversation winds through the Athens‑area market, therealities of renting vs. owning, and the importance of building generational wealth — all delivered with the signature Frugalocity mix of humor, honesty, and practical wisdom. To wrap things up, Parrish shares the fun side of his life:Harlan Coben novels, retro TV binges, pickleball misadventures, and the guacamole that nearly stole Amanda’s heart. Sites we like and follow: Frugalocity Drink Choffy, use Richard15 Instagram sites Snoophoggyhawg and Frugalocity2 Parrish Myers, Realtor Keller Williams Greater Athens Realty iServe Ministries

    56 min

  8. Apr 16

    #70 - The Boston Trip That Proved the System Works

    In this episode of Frugalocity, Richard and Amandabreak down how the Raby family pulled off a dream Boston senior trip — packed with history, cannoli, and even courtside Celtics seats — without torching the budget. As Richard puts it, they “saved money on the boring stuff so we couldsplurge on the fun stuff,” and this trip became the perfect case study. They kick things off with the stealth move that saved thetrip before it even began: a simple IHG credit‑card bonus that knocked roughly $2,000 off the hotel bill. No spreadsheets, no 47‑card churn strategy — just one well‑timed signup and free breakfasts that quietly saved the family hundreds more. With the essentials covered, the Raby’s went big where itmattered. They grabbed great seats at Fenway, then fulfilled Conner’s dream with courtside Celtics tickets — the kind of once‑in‑a‑lifetime moment that frugal choices made possible. As Amanda says, “We didn’t have to say no because we saved in the right places.” The episode also celebrates the best of Boston on a budget:walking the Freedom Trail, exploring historic neighborhoods, wandering bookstores, enjoying Boston Common, and of course, grabbing cannoli from Mike’s— “a rite of passage,” as Amanda puts it. They wrap with the early‑morning Delta flight home (“upbefore the birds”), proving that sometimes the frugal choice is the one that gets you out of airport purgatory fastest. The big takeaway: you don’t need to hack the system totravel well. Be frugal where it doesn’t matter, intentional where it does, and you can create memories that outlast any points balance. And in their “Fun, Frugal, and Fabulous” segment, the hostscatch listeners up on what they’re watching, loving, and laughing about beyond the Boston adventure — from Shrinking to The Pitt still doing its thing. Frugalocity Drink Choffy, use Richard15 Instagram sites Snoophoggyhawg and Frugalocity2 Georgia Real Estate Depot Shampoochie

    25 min
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Community gathering of fellow savers trying to have fun and save money at the same time. Our mission is to encourage frugal behavior in individuals so they can build momentum towards financial freedom and have fun at the same time. Check out our website www.frugalocity.org!

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