Paise paise pe marta hai, Ketu bara wala khud pe bohat kam kharch karta hai.
He dies for every single penny; the one with Ketu in the 12th spends very little on himself.
The 12th house is the house of expenses, luxury, and Moksha (liberation). Ketu is the planet of detachment and restriction.
When Ketu sits in the 12th house, it creates a very strange financial psychology. Dr. Sharma explains that this person might be a millionaire, but they will act like they are broke. They obsess over every single penny ("paise paise pe marta hai").
While they might spend money on their family or charity, they are incredibly miserly when it comes to their own comfort. They will refuse to buy good clothes or eat good food for themselves ("khud pe bohat kam kharch karta hai"), living like a monk despite having wealth.