I think that frugality is taught and learned especially by children being in the home of a frugal parent.
My husband was not brought up by frugal parents and he is not frugal today even though I am. He has watched me over the years at the different ways I have acquired more money but he still hasn't gotten it. It is as the poster above says; it has to be a position of the person to want to be frugal or maybe for a light bulb to come on.
Frugality can mean the difference between a decent retirement or one with a lousy retirement if the money saved from frugality was invested and not spent again.
Some people are frugal but then reinvest the money into other household items calling that a savings.
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