Every dollar does count, but being reckless with dollar bills is going to get you in a lot less trouble than being reckless with twenties. For what it's worth,

Every dollar does count, but being reckless with dollar bills is going to get you in a lot less trouble than being reckless with twenties. For what it's worth, we have a family of five, my wife stays home, and I believe we currently save somewhere in the ballpark of 35% of our income. I think that counts as being pretty frugal compared to most of the people I know.