[segmondy]

They might also be lying to you. ;-) I know savers that pretend that they have none. They cry with everyone about how they are broke, but are actually saving great. They don't want folks asking to borrow money, and they don't want to be the odd one out, so part of socializing is acting like everyone in public, but doing otherwise behind the scenes. I knew a few such folks in college, party animals on the outside, but quiet studious when everyone else is asleep.