Financial Freedom

Guy and Tom are two friends who work together in a similar capacity under the same company.

They both are alike and different, alike in the sense they share the same responsibilities and duties, but different in their reactions and willingness to perform these duties.

Guy is always simply always prepared. However, Tom is the direct opposite; he is in a constant state of panic and crisis based on the complaint that he does not have enough funds to support these situations.

The subject of concern is, what create this significant difference between these colleagues?