Are you a trendsetter, always on the cutting edge of fashion, fads or cultural developments? Are you the type of person who abandons a style as soon as others begin adopting it en masse? Do you shudder when people begin copying your look, your purchases or your ideas?

If these descriptions sound familiar, you might be considered a contrarian.

You’re stylish. You’re affluent. You’ve got a fabulous house, fashionable clothes, and lots of fun toys. Life is luxurious.

While we are bombarded with media messages that spending is the only way to stimulate the economy, most Americans are showing restraint. In addition to taking a “wait and see” attitude about the economy in general, many individuals are rethinking the amount of savings they should maintain at all times. A healthy trend towards saving coupled with responsible consumption is a more realistic and sustainable track for economic health than we have been on.