I prefer the term 'frugal' 😎 Slow and steady wins the race. Problem is that most folks can't control their impulse buying. Not ever being a smoker and not a big coffee drinker it is baffling to me the money people just throw away. I don't know many smokers at all anymore, most have quit. But do know quite a few that have to have their $7 Star Bucks coffee at least once a day, if not more. Just think the amount of silver you can stack overtime. Nothing against coffee, by the way, just don't see the value of paying a premium for it.