In Dave Ramsey’s Financial Peace University, he describes two types of people as it relates to money – the nerd and the free spirit. If you are married, you have to determine which one you are and which one your spouse is so you can understand each other’s money habits. The nerd is the person who counts every penny. You practically have to pry money out of their hands. On the other hand, the free spirit allows money to literally flow freely out of their hands. Both of these personalities need each other. The nerd needs the free spirit to help them loosen up while the free spirit needs the nerd to help them with discipline.