Every day I meet people, existing clients and new clients that will fall into one of the above categories. True savers never think they are savers and always struggle with the question, 'knowing' they should save more, when in fact they are usually doing a great job. It's the spenders that are more interesting however. And I wonder if Justin Trudeau is a saver or a spender? With prospects of a $10 billion deficit looming, or more, I think he's a spender. The problem with spen