[rob62521]

That's where cheapness costs more in the long run. I have a friend like that. He hardly ever buys anything new unless he absolutely has to. He won't go out with friends because it might cost him something whether it is money or time. I'm not talking fancy restaurant or bar -- I'm talking a cup of coffee. His shoes have holes in the bottom of them so he just puts cardboard inside. He makes decent money and always talks about retiring early. But I don't think he invests. He did penny stocks a few times and lost his shirt! I think he's going to wind up a lonely old man because he's so cheap with his time and his money.