Gregory Baumer was a 25-year-old analyst at a Boston private equity firm pulling down $250,000 a year. Why not drop $1,000 a month for dinners out with his wife? Greg was a Spender.

John Cortines was earning six figures as a petroleum engineer for a major oil company in Louisiana. He so delighted in the prospect of shoring up wealth for his young family that his online banking password was "retire_at_40!" John was a Saver.