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I guess I'm a born and bred saver for the most part. I think it comes from my family having practically no money when I was growing up. When I spend, I want to get the optimum value for what I spend. I'm too frugal to pay premiums like interest and late fees, or to pay extra for solely packaging or name - I don't generally find value in those areas. I try to only spend where I find value.

It's kind of cliche, but I pay myself first. And that money that I pay myself goes into the saving bucket (I think of it as a whole, whether it's 401K, Roth, investments, cash savings, etc) where it's NOT to be touched. It's for growth. Psychologically it's just not accessible to me anymore. The temptation to spend it goes away completely.

Managing money is important for me for safety and for independence. I don't want to feel like anyone owns me. Financial freedom is my main goal.
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