 Yeah, I think absolutely. You've got to put some thought into these big purchases. And I bring up the conversation, are you frugal? Are you just kind of loosey-goosey with your money? University of Michigan marketing professor Scott Rick, he wrote a book about it. It's called Tightwads and Spending Thrifts, if you want to check that out. Morningstar asked him for a way to show tightwads that it's okay to spend, and here's what he says.