“My husband is really cheap.”

It’s a familiar complaint—and maybe one that hits a little close to home for some couples. After all, there’s nothing wrong with wanting to save money. Being thoughtful about spending can be an important part of building financial security.

But there’s a difference between being frugal and being cheap, and knowing where that line falls can have a real impact on your finances.

Sometimes, spending the least amount of money today can lead to spending much more tomorrow. Skipping needed maintenance, buying the least expensive option when quality matters, or putting off an important expense can create problems that are far more costly down the road.

On Financial Fitness with The Money Doctor, Dr. Frances Rahaim looks at this common money dilemma and asks an important question: When does trying to save money actually start costing you money?

It’s also a reminder that financial wellness isn’t simply about spending less. It’s about making choices that support your bigger financial goals.

For couples, these conversations can be especially important. One partner may see spending as wasteful while the other sees it as an investment in convenience, quality, health, or peace of mind. Finding common ground starts with understanding the difference between unnecessary spending and spending that may prevent a bigger expense later.

Because sometimes the cheapest choice isn’t actually the most affordable choice.

Watch the conversation and consider where you draw the line between smart saving and false economy.