.

I'd like to think I am all three, but in reality I am a spender, the grocery shopper, the gift shopper, the clothing shopper, the errand runner, and the appointment maker.  Have you ever tried to go a day or two without spending any money at all? Even if we don't leave home, we are spending money for our house, utilities, insurance, meals, pretty much everything we need. Could I be a saver or an investor? To find the answer I went to a conference called Family and Finance, Connecting the Dots. It was held at Vanguard's Headquarters one beautiful late Summer day recently. They had me at Family and Finance. I'd love to learn more about that, and so I did. It was a power packed conference and Vanguard was most hospitable and friendly. So, what did we learn? Start young. This is a terrific project to do with your kids: find four cylindrical containers with lids. Cut a slit in the top of each lid. Decorate the containers. Label each container with...