Final answer:
Stingy has the most negative connotation when compared to other words like frugal, prudent, and thrifty.
Explanation:
Stingy has the most negative connotation among the words provided. It implies being unwilling to spend money, often associated with greed or selfishness. Frugal, prudent, and thrifty have more neutral to slightly positive connotations, focusing on being wise with money.
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