When I was four years old, my neighbor said something that stuck with me. "Pennies add up to dimes, and dimes add up to dollars." I'm forty years old now and still pick up money whenever I find it, even if it's only a penny, because I've internalized that mentality. I'm on SSDI but I always seem to have enough money for my needs and some wants. A German proverb says "Take care of the pfennings and the farthings will take care of themselves," and it's true. But I'm preaching to the choir here.