I think this is what separates successful people from those living in poverty. I'm not belittling the poor. However, those who don't understand the value of money tend to only think of it as a means of exchange they use for shopping. The more money they earn, the more they spend. This is different from people with good financial management. They view money as a seed that, if planted properly, will yield returns. Such people tend to limit their spending and allocate their money to investment instruments or businesses. I have a friend who could be described as very stingy and lives a very simple life. He doesn't like fancy restaurants or branded goods. However, he owns many assets in stocks, crypto, and gold. Interestingly, when I asked him why he lives so simply, he said he initially wanted to live a luxurious life, but found that frugality is much more comfortable and enjoyable, and he doesn't want to change his habits.