Carnaggio graduated Ramsay High School and enlisted with the U. S. Air Force on January 1, 1943. He served as an airplane mechanic during World War II and the Korean War. Between the wars he began studying engineering at the Georgia Institute of Technology, then transferred to the University of Alabama where he earned his bachelor's degree in journalism. He worked briefly for the West Point-Valley Daily News-Times, then worked as a technical writer for the Hayes Aircraft Corporation, and spent three years working at Redstone Arsenal in Huntsville.
Carnaggio moved back to Birmingham and bought into the family restaurant after his father's death in 1959. He owned it until 2004, except for a period in the late 1980s when he sold it to woman from Cullman who later defaulted on her loan.
In the mid 1990s Carnaggio began editing the quarterly magazine for the national 9th Air Force Association.
Carnaggio suffered from Parkinson's disease. He died at home in 2009. He was survived by his wife, Peggy, two children, two step-children, and nine grandchildren.
- Plott, Bill (October 14, 1996) "Editing for WWII colleagues, Carnaggio's newsletter serves veterans of 9th Air Force." Birmingham News
- "Carnaggio, Frank Michael Sr" obituary (October 12, 2009) Birmingham News