BOB WEIDNER likes to play a game when he goes to a high-end outlet store like Brooks Brothers or Ralph Lauren: How many things can he buy and not spend more than $100? On his last visit, the answer was seven.

“Every year, we go up to the outlets and find a deal,” he said. “It’s worth it.”

His wife, Angela Marchi, who chides him for darning his socks (just the toes, not the heels, he said), prefers to buy her clothes twice a year when her favorite stores put last year’s styles on sale. But she recently made an exception and bought her husband a Tommy Bahama shirt he had wanted — on a website that sells slightly worn clothes.

“He refused to pay full price,” she said.

You wouldn’t know it from their shopping habits, but Ms. Marchi, 56, a senior health care executive who has run hospital chains, and Mr. Weidner, 57, a senior researcher at a large nonprofit company, are worth millions of dollars. And while they own three homes — condominiums in Naples and Boca Raton, Fla., and a house in Lebanon, Pa., where they grew up, none of them are huge. One splurge is an annual trip to Italy.

The couple are the face of the self-made millionaire who has the financial security of true wealth, not the fleeting rush of sudden riches. While the popular perception of millionaires is that they are more ostentatious than frugal, recent research shows that single-digit millionaires, at least, are generally far more mindful about how they save, spend and invest their money.