I generally deny offers from banks' financial planners thinking that I could probably teach them a thing or 2 about money. When growing up poor, one usually learns how to stretch a dollar. There are a few popular books on living frugally and I could probably have written them... nothing I didn't already know in any I read.
Most of my life people considered me a cheapskate, yet those same people are still chasing the almighty dollar. I'm chasing quality of life! I worked hard and now its time to work on relationships and enjoy the fruits of my labours.