[David]

No, my friends are not frugal as a rule. At work, I am the one people don't regularly ask if I want to get on the lunch list, because they know I always bring leftovers to eat at work. They spend about $6.00 a day eating lunch. I'm not sure what my meals at work cost, but they are less than that and its a good way to get rid of leftovers.
A story I think is kinda funny is that in 2004, my wife bought a Ford Explorer. Well, we had a dinner at my Mothers and my sister, a college degreed accountant drove up in a new 2004 Lexus SUV. Boy, that thing was fine. The two SUVs where parked side by side and my sister was showing off her new upscale ride and with a wave of her hand toward the Ford Explorer, told a person, "yea, we didn't want one of those". The wife and I just kinda smiled at each other about that. That's my sister, I love her, but she has that consumerism bug really bad. Our Explorer was paid for from the start, my sister likely had trouble getting a loan for such an excessive vehicle. Anyway, about a year later, my sister is at dinner at Moms and complaining about how rough it rides. I'm thinking I can't wait to inherit my wife's SUV once my truck wears out. Different strokes for different folks, but you would think an accountant would know a little bit about how to manage money.