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INHERITOR'S GUILT

I first realized my in-laws had money, real money, when they bought a second house — to store their boat. Fewer than two miles separate their homes, making this renovated boat house a tricky thing to explain to friends. I try not to bring it up. It raises too many questions.
PINCHING PENNIES NOT PALS

In a city as expensive as New York, I take budgeting very seriously. If I can commute by foot in less than an hour, barring a blizzard or torrential downpour, I'll skip the $2.75 subway ride and hoof it.
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