I want to spend a few days dealing with a single theme about how we can broadly categorise ourselves as one of two types.  So, today’s theme: are you a saver or an earner?  If you need some additional funds to buy, say, a new watch, that you have wanted for a long time, do you say to yourself “I will save up for that” or do you say “I’m going to work harder and earn more so that I can buy that watch”?  The response will put you in one category, saver, or another, earner! So, what? Well, the consequence is that you should learn the other way around, to extend your behavioural ability!