For builders, money is a tool. They use it--and sometimes risk it--to turn their plans and dreams into reality. The joy is in the creating. The self-made millionaire is the most obvious example of this type, but builders might also work at mindless jobs and pour all their money and energy into restoring cars or painting watercolours. Most entrepreneurs, corporate leaders and ardent hobbyists are builders. These people make fantastic mentors (if they have the time). They may or may not have all the trappings of success, even if they can afford them.

Danger zones: Builders can get into trouble when they're so intent on building that they miscalculate the risks involved or fail to leave themselves a margin of error. The entrepreneur who keeps expanding the business without creating a cushion in case of failure, the collector who spends the mortgage money on a case of '82 Mouton Rothschild, the freelance consultant who buys a computer powerful enough to run the Navy and spends more time checking out what it can do than getting work--these are builders who could be headed for trouble. There can also be a tendency to start projects and not finish them. Often that leads to selling things at a loss, maybe from the last burning fascination, in order to get on with the Next Big Thing.