A Suze Orman exclusive

Financial traits: Aggressive "charge ahead" approach to all monetary matters. Goes for broke investing in risky stocks, and usually bets on one stock rather than diversifying. Trades a ton. Runs the risk of an adjustable rate mortgage rather than locking into a fixed rate loan.

Advice: Curb your bullish bravado.

The problem with the Bull moneyscope sign is that you take on far too much risk in your life. You're always going for broke, and unfortunately that's often just where you land. Remember the internet bubble? Throwing all your money into a super-hot tech stock in 1998 and then not selling when you were way ahead ended up costing you big time when your winner slid into the basement in 2002. Nowadays you've got more than half of your 401(k) riding on your company stock—and, speaking of which, when you exercised your stock options you didn't sell and book the profit. You still own the stock! You think diversification is a dirty word. This jackpot mentality is your great financial weakness, and could be your downfall if you don't get it under control.

There is a difference between being rationally optimistic and overly aggressive. You, my dear Bull, need to curb your enthusiasm a bit. Sure, stocks are a good investment to meet your long-term goals, but spread your money around rather than betting the house on just one or two stocks. Check out low-cost index funds tied to the Wilshire 5,000, or Exchange Traded Funds tied to the S&P 500, for some smart—and cheap—diversification.

And my goodness, stop taking on those unnecessary risks outside the market too. For example, if you are in a home you love and intend to stay in, why are you trying to "save" a few bucks with a low rate adjustable mortgage? Come on, there's no need for taking on that risk when fixed rate mortgages remain near historical lows. A 30-year fixed rate below 6 percent is still an incredible deal; don't be so bull-headed!