I live in a multi-cultural neighborhood, and work in an extremely diverse office. My immediate neighbors, and the ones I have the closest relationships with are Chinese immigrants and Chinese-Americans. I noticed that they work hard, save money, and get by on living below their means. I give their children and grandchildren red envelopes during Ginger and Egg parties, birthdays, and Chinese New Year. On the other hand my recent immigrant Chinese co-workers (we all work in IT) earn more money than my neighbors, and they spend money much more frequently than I and my neighbors do. I also noticed that they are very brand conscious, and will spend more money on a "sale" item because of the label. For example, my closest co-worker told me how she went to Macy's at lunch to buy 3 Ralph Lauren shirts for $49 each to send back home to her brother in China. Another co-work purchased $700 worth of make-up to give to his sister-in-law for his trip back to China. The reason they gave for doing this is, because the same items cost more in China. (They buy these brands for themselves, too, and say that it's not considered good quality unless there is a well publicized name on the product). Many Mondays, they will talk about how they got such a great bargain at an outlet or department store. I am pretty sure they pay the bill off every month, but to me that is ridiculous!