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Can confirm this is true
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this post was submitted on 29 Nov 2025
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This is really more about financial stress rather than adulthood. I was constantly on the verge of being broke until I became an adult and started working and (eventually) got a well paid job. Somewhat pedantic, I know, but financial stress is not an integral part of adulthood.
I have enough that I shouldn't have to worry. The issue is that I grew up poor so not having enough is a constant worry that has followed me all my life.
It's not thinking of finances because you don't have enough .... it's thinking of finances because you want to be more responsible and thoughtful of how you use your money.
I have a friend who joked with me and said ... 'You aren't cheap .... you're frugal'
I don't understand the joke part. That's sound very normal to me.
In North America ... being called 'cheap' is almost an insult as if to suggest someone is always tight with their money or doesn't want to pay for things or constantly never wants to pay full price for things
Being 'frugal' is more open meaning that just means someone wants to save money and be mindful of their spending.
Oh, cheap is definitely an insult. It has connotations of making cost the top priority , as opposed to value. Booking airline tickets for a family vacation, sorting by cost, and sending a family of four a spirit airlines personal item only back of the plane seats that don't recline next to the toilet flight with four 15 minute layovers is cheap. Booking tickets through the website for a small Icelandic airline and rooms directly through the hotel is frugal. Cheap is lowering costs above all else, while frugality is avoiding unnecessary expenses.