A miser, cheapskate, curmudgeon, niggard, penny pincher, piker, scrooge, skinflint or tightwad is a person who is reluctant to spend money, sometimes to the point of forgoing even basic comforts and some necessities. Old people were commonly thought to be miserly but this stereotype is less common since support programs such as Social Security have resulted in less poverty in old age. Freud attributed the development of miserly behaviour to toilet training in childhood.
