<prompt> Human: Situation: Im around 30 and finishing finally my last year of residency. I am used to being very frugal due to my cultural background, family, and lived close to the poverty line during med school. Like 12k a yrEven in residency I had roommates my first few yrs and lived on roughly 20k a year net. I really lived on less since our program pays for health insurance This year Ive finally gotten my own place and even then Im living on 23k net a yr. My friends poke fun at me sometimes for my lifestyle. Im NOT cheap since I treat friends to dinner and spend money on things I care about like trips abroad, etc. But Im frugal enough that I still buy groceries on sale for example. I dont spend much money on myself.I have a bit more than the average 200k debt that most residents have due to med school tuition and 80k in roth iraroth 401k accounts as well as a few thousand in my emergency fund, no credit cardcar debt, and a credit score of 775. Perfect payment record for 10 yrs of credit card use but lower than the expected 800 due to student loans My friends that had 0 family help have 300k in debt since they also lived on a lot more than me and have zero investments in retirement accounts. Currently I make low 50s gross and in 9 months Ill be making 210k gross about 140k net. Likely 220-240k gross after a few yrs then rise with inflation. Ill pay off my loans in 2.5 yrs while maxing out my 401kHSA next yr.Only material thing I really will get is a used luxury sedan that is about 25-30k used. 9k for annual operating costQuestions:1. Is it wrong to be so frugal? I really dont care much about material things. I just want to save money and invest to have a lot of money to donate in the future for a merit based scholarship fund. Even as an attending I was going to live on 35k for a few yrs then 55k net once my loans are paid off. When I have kids I know future wifey may want us to spend more haha.2. I still think its valid to buy food on sale even though it saves 500 bucks or so a year. Its the principle and how I was raised. What are your thoughts PF? I really dont care much about material things. I may spring for a first class ticket if going on a 15 hr flight in the future or expensive martial arts classes. Mostly experiences.  <response>: Non-financial advice:What other people think about how you spend your money is their problem, not yours. 