I think strategy for an investor might change as you go up the food chain on investing.

It's downtown and $10 to cover the cost of room/food. 

Just some food for thought.Bob

I give to foster children, pregnancy resource centers, impoverished children in foreign countries, fight sex trafficking, food banks, animal shelters, veteran's groups, women's shelter, local fundraisers for highschool sports, 4H activities, Christian youth ministries, and more.

So I recommend that you invest aggressively (based on your risk tolerance) to grow your money via appreciation investments (in real estate, these would be double digit annual returns such as flips or being a hard money lender) and once you attain the level of cash you need to be financially independent, then you invest into income producing assets (in real estate this would be buy and hold properties and long term Private Money lending).I hope this gives you some food for thought. 

Hopefully this "food for thought" will help you come to the right decision for you and your wife. 

The restaurant serves you food and beverages in good faith with the understanding that you will still be there to pay the tab after the dinner is over.

We will have food and drinks.

For instance, if you cheap out on food too much and pay for it with your health, that is unhealthy (pun not intended) frugality and is not good value.

Food for thought.