"One extreme is that a hoarder can shop compulsively, spend a lot of money, get into debt because of buying so many things and get into real financial trouble because of the hoarding.

"But the other extreme is people who hoard money. And I'm not talking particularly about the billionaires, although obviously they hoard money. That's not really what I'm talking about. I'm talking about everyday people who you hear about it don't you? Somebody dies and then it turns out, they had millions of pounds in the bank. And often they lived a really frugal life.

"They wanted to save money the whole time. And yet, unbeknownst to everybody, they had a lot of money in the bank, often refusing to spend even when they really really needed to."

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