Hey there. Welcome to issue #4 of The Frugal Rich Newsletter. 

My only goal here is to help you build real wealth without sacrificing the things that make life enjoyable. 

In this email, you’ll find: 

But first–

Most of the time, I’m pretty skeptical about taking the “easy route” to something. 

Maybe I’m a little cynical, but my spidey sense goes on high alert when something seems too good to be true.

In my experience, it’s usually just a marketing tactic to make you spend more money on something that really doesn’t make your life better.

I’m fine spending money, but I HATE spending money I’ll regret later.  

Seriously, if you see Uber Eats in my transaction history, please call my bank and report fraud.  

But there is one of these modern-day luxuries that I think is totally worth indulging in. 

You should have it, your mom should have it, your favorite neighbor, teacher, and friend should all have it. 

Because it will almost certainly save you money. 

And as someone who loves to save money AND save hours of time, 

This doesn’t sound like a marketing trap to me. 

It just sounds like making a savvy move toward building wealth. 

So what’s this luxury we all need?

Grocery delivery.

Hear me out–

We pay $98 a year for Walmart+. 

In return, we get free grocery delivery, free tire repairs, Sam's Club gas discounts, a streaming service, and more. 

But even if we didn’t use any of those additional perks, the grocery delivery would still be worth the $98.

It’s a modern-day luxury that I now can’t live without. 

And before you jump ahead, no, I’m not going to go off on a tangent about how “the hour I save of grocery shopping I can use to make money/working instead”. 

That's true for me as a business owner, but it's not true for everyone. 

And honestly, even in my case, saving time doesn't automatically mean making more money. 

Entrepreneurship isn't that cut and dry.

Instead, I want to focus on how this saves you money, no matter your circumstance. 

(If groceries are a major source of stress for you, I’ve got a meal list for 60 meals for $100, the pantry organization tip that’s saved me thousands, plus other grocery hacks here)

You can see exactly what's already in your fridge, your pantry, and your freezer. 

No more "I wonder if we still have onions?" when I’m standing in the grocery store.

That alone has helped us:

Plus, all those mid-week trips to the grocery store when you forget one item for dinner. 

But then you end up walking out having spent another $60-$80 on extra food items.

Because there is some weird hidden contract that no one can leave the grocery store with just ONE thing. 

If we do the math– 

$98 a year, divided by 52 weeks. 

That's less than $2 a week to shop smarter, waste less, and stop making those expensive "quick" return trips.

At this point, I don’t think this is even a “luxury”. 

It’s just a savvy investment.

Questions: What kind of side hustles are you guys doing to achieve your goals? 

Answer: Side hustles are the bomb! But they might not be the BEST solution when it comes to increasing income.

Here are some things to consider first:

What’s MY side hustle?

It’s my YouTube channel.

I work full-time creating content for NerdWallet, and because I’ve already built the skills like filming, storytelling, and editing… I can take that same skillset and apply it directly to my own platform.

And that’s where things start to compound.

Another side hustle I’ve been building is Facebook monetization. 

I’m not starting from scratch. I’m taking the same content I’ve already created for my job and YouTube, repurposing it into Facebook posts, and now that content is earning me money in a second place.

This is what people call a “sawdust business.”

The idea is simple: You take what you’re already producing and turn the leftovers into something valuable.

Just like a woodworker uses leftover sawdust to make something else they can sell, I’m using the “extra” content, ideas, and skills I already have and turning them into additional income streams.

So instead of asking, “What new side hustle should I start?”

 A better question might be:

“What am I already doing… that I can get paid for twice?”

If you want help identifying what “sawdust business” might work for you (or how you can get paid more for work you are already doing), I’ve got a few spots on my calendar this month. I’d be happy to look at the big picture with you.

I want to try something new.

A few times a month, I'm carving out time for free 15-minute financial check-ins with my newsletter crew. 

Think of it as your chance to finally say out loud what's been making you feel stuck and have someone sit down, kneecap to kneecap, and actually talk you through what comes next.

I honestly love having conversations about money. 

We’ll use this time to take a magnifying glass to that problem you just can’t seem to get past. 

Grab a spot now to save a time that works for you.