I`m a little of both. But in
EU I`m afraid I am mostly just a spender. I try to save but the damn ped runs out too fast so stuff just ends up going into the tt. Sure I have reinvested profit into armor and gear but it`s the little stuff, the tt fodder that kills me. I`m sure I could save up enough to actually get the miniscule markup and make a few pec. But rather than deposit alot more just to save a little I tt it eventually. Those extractors and stuff are a pain in the ass. The more low markup and low value stuff they introduce the harder it is to save, collect markup and get ahead unless you have a good backing of ped that keeps you from having to liquidate all the time. Just too many little items to have sitting idle.