The wide-eyed Dreamer floats through life financially oblivious, preferring rose-colored fantasies over money realities. Budgets and retirement plans perplex them, so they shrug it all off. Bills & bank balances elicit more annoyance than alarm. Someone else handles the stressful stuff, right? They breeze through buying sprees figuring things will just work out, ignorant to compounding debt dangers. Financial fluency may as well be a foreign language. But hey - who needs savings or stability when you can indulge happy dreams of riches magically appearing someday? For now, blissful denial will do just fine.