as a rough rule

one-time investments is not where you should be saving the money.

those little things you spend on everyday is what empties your bank account all the time.

you're not gonna be rich by saving on daily expenses. i think you can spend on those.

the thing is that when you happen to have more, invest in something.

a trip to visit a good friend is also an investment. buying a new instrument to explore your musical abilities is also an investment. those last a long time, so they're an investment into your happiness. any wife who doesn't get this should shut up.

this is a trait on the Big Five personality scale that psychologists use.

bit of a judgmental way of describing someone who wants to reduce conflict and get along with others. the opposite would be disagreeable, blunt or inflexible.

yes, you always know where you've got a person like that, but they will not work with you and it's always their way or the highway.

they come across as a bit contrarian and flippant to people of the more agreeable type.