In this radio talk, Ayn Rand identifies two types of business personality: Money-Makers (innovators and entrepreneurs who take calculated risks and succeed on free markets) and Money-Appropriators (those who become rich illegitimately, by “cutting corners” or political favoritism). Along the way she describes the qualities of the real-life money-makers such as steamship and railroad tycoon Cornelius Vanderbilt, steel industrialist Andrew Carnegie, automobile innovator Henry Ford and banking magnate J. P. Morgan.