canny
KAN-eeadjMeaning careful and shrewd, especially with money or business
Memory hook she CAN’T lose it all: CAN-ny. Nana Lou keeps her savings in three different piggy banks, so if one breaks, the rest are safe: she is canny with money.
The canny farmer sold her peaches in the city, where they fetched twice the price.
In context A canny saver, Lou kept her money in three different places, so that no single mishap could ever wipe out everything she had.
Similar shrewd, careful, sharp, astute
Opposite careless, naive
From Scots, from can in its old sense of “to know how.”