Savers can amass quite a lot in savings and yet still have an enviable quality of life on a tiny salary. Other types can't quite figure out how they do it. Savers are very good at spotting money-wasting activities and avoiding them--often to the point that other people consider them cheap. These are not impulsive people, and they're often very organized. Savers can have a bit of trouble parting with their money. Some are good investors, but some don't want to risk anything and prefer cash. For peace of mind they need savings as a cushion.

Danger zones: Savers can be too conservative with their investments so their money doesn't grow as much as it could. And they sometimes postpone enjoying their money until it's too late to do the things they've always wanted to do.