There's a fascinating segment of investors emerging in the retirement space - call them the "comfortable but cautious" crowd. These 401(k) holders sit on portfolios worth anywhere from $1 million up to $5 million. You'd think that kind of wealth means lavish spending, right? Not quite. Many still hunt for deals and clip coupons like they're stretching every dollar. It's a curious blend: millionaire status on paper, middle-class habits in practice. This growing group proves that hitting seven figures doesn't automatically flip a switch in spending psychology. Old habits die hard, even when the bank account says you've made it.