In my memory, there were two people I knew whose families squeezed out all the money they could just to buy and stay in condominiums. One person was a schoolmate in junior college and another was a colleague during my stint in National Service. I remember both as being extremely frugal and I always wondered why being people who stayed in condominiums were they so poor. Of course, those were days when I was a financial ignoramus. Now, although I think that frugality is a virtue, it is a virtue when we are so without being forced to be so. If we had a choice and we chose to be frugal, good. However, if we are frugal because we don't have a choice, that is misery on earth! I remember when I talked to both of them, they gave me almost identical answers. Yes, I was a nosey kid. Their ......