The Millionaire Next Door by Thomas Stanleyby Parker on TwosThe affluent tend to answer "yes" to three questions we include in our surveys:Were your parents very frugal?Are you frugal?Is your spouse more frugal than you are?Millionaires play both quality offense and quality defense. And quite often their great defense helps them outscore/outaccumulate those who outearn/have superior offenses. The foundation stone of wealth accumulation is defense, and this defense should be anchored by budgeting and planning.Have you ever noticed those people whom you see jogging day after day? They are the ones who seem not to need to jog. But that's why they are fit. Those who are wealthy work at staying financially fit. But those who are not financially fit do little to change their status.