Fox falls into a category of people that the University of Michigan marketing professor Scott Rick has spent years studying: “tightwads,” or people who have trouble spending their money. In various studies that he’s conducted, Rick has found that tightwads do not scrimp because they lack money. They are not any poorer than spendthrifts (people who overspend); tightwads actually have better credit scores and more money in savings. (Perhaps because they never spend it.) Instead, they’re afraid to spend money that they do have. Tightwads’ issues reveal how our financial choices can be more psychological than economic. If you feel anxiety about your finances, it might not be relieved by making more money.