Pretty much this. When I was a kid I used to be friends with and race pigeons with this guy who’s owned a contracting and other companies. He was a millionaire over and over and you’d never know it looking at him or his car. When we went to get breakfast he was such a stingy tipper. I was young but even I noticed how stingy he was and called him out on it. He pretty much explained that to me starting with “you don’t get money by giving it away”. I thought and still think that was shitty, but yeah I got the shpeel on frugality.