Originally Posted By: Andy A - USA
Frugal and Imprudent. Thrifty, economical, AND prudent, vs. rash, ill-advised and ignorant. Hmmm...


Haha....
Tis a research quagmire to be sure.

We're certainly not financially self sufficient and in the same fold as yourself regarding not carrying CC debt and owing no one.
Huh....I never received my 'tree' either. smile

Keep us informed of your success.

Back to it....