You are working hard now to prepare for a life of leisure later. Your goal is to be able to someday kick back and watch your money work for you. You are cautious and thrifty, but you still appreciate life's finer things. You know you won't reach your goals unless you start pinching your pennies now. You keep your social circle to a minimum, to avoid being put in situations where you may be taken advantage of. It takes a lot for others to earn your trust, but once they have you are a lifetime friend.