Each of us believes certain things about money that more than likely came from our childhood. Listen in as Rick and Nancy discuss the difference between Accumulation Theory and Utilization Theory. If we are an accumulator, our security is derived by gathering things including money and just watching it. If we are a utilizer, we focus on lowering our risks but having a potential of a higher return by focusing on how fast our money can move. Nancy asks Rick some great questions so we can really understand what all of this means.