Sorry I was not clear. * Compound interest in this context is ROI after inflation. * Savings in this context is defined as investment, e.g. saving the earning

Sorry I was not clear. * Compound interest in this context is ROI after inflation. * Savings in this context is defined as investment, e.g. saving the earnings of one spouse to make the down payment on a rented duplex. * Frugality in this context is defined as delayed or avoided gratification to spare discretionary funds for investment. Relative frugality (not being a spendthrift) is a necessary requirement for holding wealth. It is a key - not the only one - to gaining it.