Whether you’re aware of it or not, you have a money temperament. Everyone does. It’s the way you naturally think about money, behave with money or react to money. To loosely assess your money temperament, and to have a little fun with it, consider the following scenario and choose the response that’s closest to what you would do. Your rich uncle learns that you are in desperate need of transportation. In a surprise move, he comes to your rescue with a gift of $15,000 and the instruction to buy a car. What do you do? A) Make a $15,000 down payment on your dream car. B) Pay cash for a $15,000 car. C) Exercise extreme patience, flexibility, consumer savvy and negotiating skills to find a dandy used, late-model, low-mileage, well-maintained car for $7,500 and then stash $7,500 into a savings account. Putting aside your humble columnist’s obvious bias, let’s analyze …