i think frugal would be a better word than tihik. while it may be true to some nga unreasonable na sad jud ang ilang pag spend, or lack thereof, but mostly it is about being frugal. it is understanding that every peso counts..it truly does. you cant have 1 million if you lack 1 peso. it is about investing on assets (things that put money into your pocket) while limiting your expenses (things that takes money out of your pocket)..which makes sense right?