Frugal means sparing or economical with regard to money or food. Reckless means without thinking or caring about the consequences of an action. How can you be frugally reckless? It seems impossible. A perfect oxymoron.
Your goal should be “to be as efficient as possible with your time and money while maximizing your happiness.”
Recklessness NEVER applies to large purchases or commitments – homes, vehicles, pets, etc. These purchases must be made thoughtfully and be based on your needs. The truth is that if you get the big things right, then in the end the little things don’t matter.