LiveFrugaLee Monthly Newsletter #14, August 2025


Issue #14: August 2025

Congratulations to this month's sponsored giveaway winners:
Yuri K., Stephen K., Hyun K., and Joshua C.

Life

The kids are officially back in school, so I finally have some time to write. These summers are going by faster and faster as I get older.

We took a few small trips this summer: Virginia Beach, Kent Island, and Dewey Beach.

I think we've been to Virginia Beach every year now for the past 4-5 years. We stay at the Hyatt right on the beach and use our Hyatt points. It's so convenient, and we've got the routine down now.

Kent Island (near Annapolis) was a quick day trip with friends. We went to ride go-karts in Crofton on the way, walked around the park/beach there, and ended with a nice dinner at Fisherman's Crab Deck. I wouldn't really recommend going to Kent Island for the beach. I would highly recommend Harris Crab House for oysters (we did that last year) if you like oysters.

Dewey Beach was nice. I had never been to any Delaware beaches before. The Hyatt there was a slightly longer walk to the beach but still very convenient. We drove up to the Rehoboth Beach Boardwalk (about a 5 minute drive) a couple nights since it was nearby. One thing I noticed was that the food was pretty good everywhere we went. And no tax in Delaware!

Personal Finance

Why Your Workout Might Be the Best Investment You Ever Make

At first glance, exercise and wealth don’t seem connected. One builds muscle; the other builds money. But look closer, and you’ll see they’re fueled by the same engine: discipline.

1. Discipline Is a Transferable Skill

Showing up for workouts teaches consistency. You don’t get strong by lifting weights once, and you don’t build wealth by saving once. Both require small, repeated actions over time.

If you can commit to 30 minutes of exercise daily, you can commit to 15 minutes of budgeting or investing monthly.

2. Delayed Gratification Pays Off

Skipping the couch for the gym is hard — but future-you thanks you. The same is true when you skip impulse spending in favor of saving.

Fitness → strength, energy, confidence

Finances → freedom, security, options

The muscle you’re really building is patience.

3. Energy Boost = Productivity Boost

Regular exercise improves focus, mood, and stamina. More energy at work often translates into promotions, raises, or side hustle success. Simply put: a healthy body can earn more.

4. Lower Healthcare Costs

The average American spends thousands each year on preventable health issues. Staying fit doesn’t guarantee perfect health, but it reduces risks — saving you money on medical bills and insurance over the long run.

5. The Compounding Effect

Just like investing, fitness progress compounds. A little effort today builds momentum tomorrow. The discipline, confidence, and habits carry over into how you manage money.

FrugaLee Takeaway: Exercise won’t magically make you rich. But the discipline, energy, and mindset it builds are the same traits that create financial independence.

Set a goal and track it. Do a little work consistently, and you'll be amazed at what you accomplish in 10 years if you stick with it.

Some things I've stuck with for more than 10 years at some point in my life: running (ran marathons and ultramarathons), tennis (intramural doubles champ in college), working as a patent examiner (became primary examiner), working as a realtor (helped dozens of people buy/sell), my marriage (loving family), tracking net worth (hit goal of net worth millionaire and paid off mortgage), being a parent (3 kids). It doesn't get easier. In fact, it usually just gets harder. Just show up every day and do the best you can.

If you have any personal finance questions or a suggestion for a future topic, please submit them to mrfrugalee@gmail.com.

Real Estate

Radon: The Invisible Home Risk Every Buyer Should Know About

When you’re buying a home, you probably think about location, schools, and square footage. But there’s another factor that too many buyers overlook: radon.

What Is Radon?

Radon is a colorless, odorless gas that comes from the natural breakdown of uranium in soil and rock. It seeps into homes through foundation cracks, sump pumps, and even well water.

The problem? Radon is the second leading cause of lung cancer in the U.S., after smoking.

Why It Matters for Homebuyers

It’s common in certain areas of Northern Virginia. Our soil composition means many homes test above the EPA’s “action level” of 4.0 pCi/L. I see it more often in homes with basements below grade (as opposed to on-grade slabs). I've also seen higher levels in the Chantilly area (South Riding / Pleasant Valley - 2 tests that came back high).

It’s invisible. You won’t know it’s there unless you test.

It’s fixable. The good news is, radon problems can be solved with mitigation systems that typically cost $1,000–$2,000. I owned a home in Chantilly which tested over 11 pCi/L. I had a radon mitigation system installed for $960, and that fixed the issue.

They look something like this:

Should You Test for Radon?

Some buyers add a radon test as part of their standard inspection. It’s relatively inexpensive ($150–$200) and gives peace of mind. If you have to waive the radon inspection contingency to get your offer accepted, you can still test for radon after you close.

What If Radon Is Found?

If levels are high, buyers can often negotiate with sellers to install a mitigation system before closing. These systems vent radon safely outside, reducing levels immediately.

FrugaLee Takeaway

Radon isn’t something to panic about, but it is something to take seriously. Testing is easy, mitigation is effective, and protecting your family’s health is priceless.

If you have any real estate questions, reach out to me at RealtorDannyLee@gmail.com.
Follow me on Instagram
@RealtorDannyLee

Travel

Why Alaska Might Be the Perfect First Cruise Destination

When people think of their first cruise, the Caribbean often comes to mind: sunny beaches, palm trees, and turquoise water. But if you’re looking for a truly unforgettable introduction to cruising, Alaska may actually be the perfect first trip.

1. The Scenery Is Unlike Anywhere Else

From towering snow-capped mountains to massive glaciers that calve into the sea, Alaska delivers a level of natural beauty you can’t get in the Caribbean. First-time cruisers often say they spent entire days on their balcony or deck, just soaking in the views.

2. Adventure Beyond the Ship

In Alaska, the excursions are part of the magic. Think:

Dog sledding on a glacier

Whale watching in Juneau

Hiking through rainforests in Ketchikan

Riding the White Pass & Yukon Route railway in Skagway

Instead of just lounging on beaches, you’re stepping into once-in-a-lifetime experiences.

3. The Perfect Balance of Comfort and Wilderness

For first-time cruisers, Alaska strikes the ideal balance:

Onboard, you have the comfort of modern cruise ships with world-class dining and entertainment.

Onshore, you’re immersed in wild landscapes and wildlife — eagles, bears, and humpback whales.

It’s adventure with a safety net.

4. Cooler Weather (No Sweltering Seasickness)

Caribbean cruises can feel overwhelming for new travelers — crowded beaches, humid weather, and sometimes rough seas. Alaska’s summer climate is mild (50s–70s), and sailings are typically smooth, making it easier on first-time cruisers.

5. A Teachable Moment: Mendenhall Glacier Flooding

Recently, Mendenhall Glacier near Juneau has made headlines for flooding events caused by melting ice. While this highlights the very real impact of climate change, it also makes visiting Alaska now more meaningful. You’re not just sightseeing — you’re witnessing a landscape in transition.

Cruise lines and local tour operators have adapted excursions to keep travelers safe, and visiting responsibly helps support the Alaskan communities facing these changes. For many, seeing these glaciers up close is a powerful reminder of why travel matters: it connects us to the world while there’s still time to experience it.

FrugaLee Takeaway

If you want your first cruise to be more than a vacation — if you want it to be an adventure, a classroom, and a lifelong memory all in one — Alaska may be the perfect place to start.

Alaskan cruises run late April to early October. Most cruises sail the Inside Passage which is the southeastern part of Alaska, adjacent to Canada. You usually won't go as far north as Anchorage.

The water is super calm since you're usually traveling between land on both sides, so seasickness is usually not an issue. The weather is usually in the 50s and 60s, and Juneau has rain about 60% of the year (home to the largest temperate rain forest in the world - Tongass National Forest).

We sailed the Disney Wonder for our Alaskan cruise in September 2024 (just under a year ago) when our toddler was only 15 months. We flew into Vancouver a day early and left a day after we disembarked because my wife always wanted to visit Vancouver. We had a group of 12 (wife's parents, her brothers, and her sister's family).

Pro tip: For first-time cruisers, a 7-night Inside Passage itinerary out of Seattle or Vancouver is often the most accessible and rewarding option. Many cruise lines sail Alaska, including Disney Cruise Line, Princess, Royal Caribbean, Celebrity, NCL, Carnival, etc.

If you're interested in booking travel with me, reach out to me at DannyL@fairygodmothertravel.com.
Follow me on Instagram
@Danny_FairyGodmotherTravel.

Sponsored Giveaway

Sponsored by Sylvia Bae, CrossCountry Mortgage

This month's giveaway is four $25 Amazon Gift Cards.

There are currently 125 subscribers, and there have now been 56 winners (14 months of winners).

Congratulations to this month's winners!

Yuri K.

Stephen K.

Hyun K.

Joshua C.

If you're one of this month's winners, you should be receiving your prize soon. Thanks for subscribing! Please let me know if you do not get it.

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This newsletter is intended for informational purposes and should not be considered legal or financial advice.

Danny Lee

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