Munger understands that saving money isn't primarily about accumulation—it's a kind of moral gymnasium where restraint builds character almost as a side effect. Most financial advice treats thrift as a means to an end (retirement, security), but he's arguing the *practice itself* reshapes who you are: each small decision to defer spending becomes a vote for your future self, training you to think beyond immediate appetite. Watch someone who has genuinely cultivated this habit, and you'll notice they approach other decisions differently too—they're more patient with difficult projects, less reactive, more willing to weather discomfort for something worthwhile. That invisible discipline bleeds into everything.