You don't spend money unless you absolutely have to.
And when you do spend, you try to go for the cheapest option possible.
You're not a penny pincher because you're poor. In fact, you may have the most...
You have a good relationship with money.
You don't spend wildly, but you're not opposed to treating yourself on occasion.
In general, you save some of what you earn.
You know the importance of a nest egg.
You aren't afraid of being financially literate...