The Frugals and the Spenders earn the same amount, but they use their
money in different ways.
| Items | Frugals | Spenders |
| Food, clothing, miscellaneous |
24%
|
29%
|
| Housing |
24%
|
36%
|
| Transportation |
11%
|
24%
|
| Health care |
5%
|
7%
|
| Pension |
4%
|
4%
|
| Non-mortgage debt |
0%
|
17%
|
| Early retirement plan |
4%
|
0%
|
| College fund |
4%
|
0%
|
| Savings |
7%
|
0%
|
| Charitable gifts |
10%
|
0%
|
| Vacation |
7%
|
0%
|