Many Americans have embraced frugality in recent years, but sometimes money-saving strategies backfire when taken to extremes. Manisha Thakor, author of "On My Own Two Feet: A Modern Girl's Guide to Personal Finance" and founder and CEO of Santa Fe-based investment advisory firm MoneyZen Wealth Management, says this can occur among Americans across all income levels. "It's a mindset that comes from a healthy desire to not live beyond your means, but it crosses the line when it cuts into joy," she says.
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