First, let me be clear: Ann is not a turtle. She’s a camera-avoidant reader who requested that I use a photo she snapped of a turtle sunning itself.
There’s another reason for the turtle, though: Its slow-and-steady approach to life is analogous to Ann’s brand of frugality.
She’s in no rush to get the latest anything, has lived in the same house for more than three decades, and knows all the best thrift stores. Recently, Ann met a friend for lunch at a hospital snack bar, which she says has a “spa-like” vibe: “It’s got a skylight, it’s very sunny, they’ve got healthy food, it’s inexpensive, it’s fast.”
She drives a car “that no one will steal,” and specifically chose a job with a pension. Ann is lucky to live in a city where supermarkets “compete,” and she can turn those deals into comfort foods that cost way less than takeout. “I feel rich if I’ve got cooked ground beef in the freezer…a perfect start for tacos, spaghetti, chili or nachos.”
Ann has been a reader since the MSN Money days, so it was great fun to attach a voice to the history. Please join me in congratulating her on her end-of-December retirement, at age 57. And enjoy the following conversation, which has been lightly edited for brevity and clarity.