There are two kinds: the rich poor guy and the poor rich guy. Which are you?

Some rich people act like they’re poor. One guy I know jams on the brakes and pulls his car over to pick up a penny he sees glimmering in the street. And he can afford to drive right over it. He’s the poor rich man. He thinks he’s poor and acts around the premise that he has to scrounge around.

Then there’s someone like my husband, Jonny. He’s what I’d call the rich poor man. Despite being parentless—and penniless—by the age of 20, he somehow managed to always have things he’s wanted. A Harley Davidson or two. A couple of big trips. And still put one or two kids through college. He has always been generous – to others as well as to himself. That’s the key. He might not have saved a lot for his retirement fund but he’s managed to live really well.

Take this test to find out which one are you:

Do you over-budget or over-spend?

Do you deprive yourself of the little things and splurge on the big things? Or do you splurge at the 99-cent store and have a hard time buying that new refrigerator – even though it leaks?

Do you spend time cutting coupons? Or do you blaze through the supermarket?

As Laura Vanderkam wrote in her blog here, “When we know how, exactly, money buys us happiness, we can make wiser choices about what we do with our money in general.”

It’s also important to consider what our habits are and then decide what to change.

Our attitude determines abundance. We can choose how we view our money and how we spend it. Not only what we spend it on but how we approach the purchase. With fear or with faith.

Being aware of how we spend our money is important because it reflects how we spend our thoughts.

Are you a poor rich guy or a rich poor guy?