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frugality investment budgeting thrift wealth-building finance retirement nest egg assets capital financial planning saving strategy fiscal responsibility compound interest emergency fund portfolio economic security bargain couponing literacy money management saver#39aph39#s mindset cost-cutting wise spending debt reduction independence value investing investments return sustainable savings smart frugal living wealth accumulation vehicle tax efficiency account strategic wellness asset allocation secure future thrifty habits preservation goals compounding returns money-saving tips cash flow diversification