Question

what is the benefit (effect) of adhering to the virtues of frugality and industry?
financial freedom
freedom from work
more time

Explanation:

Frugality helps in saving money and avoiding wasteful spending, while industry (hard - work) leads to earning more. Together, they can lead to financial freedom by building wealth and having control over one's finances. Freedom from work is not directly a guaranteed result as one may still work for personal fulfillment or other reasons even with frugality and industry. More time is not an inherent direct benefit; hard - work may actually take up more time.

Answer:

Financial freedom