Well, first of all, I’ve decided to stop smoking. It’s not that I’m pinching pennies or anything, it’s just that I’ve been smoking since I was sixteen, and I think it’s time to stop.

好的，首先，我决定戒烟。并不是因为我想省钱或别的，而是从16岁我就开始抽烟，我想是时候戒烟了。

If my husband is the one good at pinching pennies and researching new hacks, I'm the one good at planning for the future and taking appropriate action fast.

如果我的丈夫是善于节省开支和研究新技巧的人，那么我就是善于规划未来并迅速采取适当行动的人。