How would you define a "miser"?

A "miser" is defined as an individual who saves money or resources greedily and hoards them, often to the detriment of their own well-being and enjoyment. This term is typically associated with a negative connotation, suggesting an excessive or unhealthy fixation on accumulating wealth without the intention of using it for practical purposes or sharing it with others. The key idea here revolves around the contrast between wise saving for future needs and an obsessive tendency to cling to wealth.

The other options reflect different attitudes toward money that do not align with the essence of a miser. Someone who spends freely and generously exhibits the opposite behavior of a miser, while an individual who invests wisely may be prudent with their finances but does not imply greed or hoarding. Additionally, a person who borrows often would not inherently fit the definition of a miser, which focuses more on accumulating wealth rather than obtaining it through borrowing.