Your money tendency is like your financial personality. There’s no right or wrong—it’s simply how you naturally think and feel about money. Understanding your tendencies can help you make faster, more confident progress toward your financial goals.

Most people fall somewhere in the middle of these categories, not all the way on one side or the other. That’s perfectly normal. The key is to recognize your patterns and use that insight to make intentional choices.

Core Tendencies*

Here are some common money tendencies, along with tips to help you stay balanced:

• Spender
  You love shopping and giving generously, and you find creative ways to make your budget work.
  Watch out for: Forgetting to save for the future.
• Saver
  You’re patient, responsible, and willing to wait for what you want.
  Watch out for: Missing out on meaningful experiences.
• Nerd
  You thrive on spreadsheets, budgets, and calendars. They give you a sense of control.
  Watch out for: Burning yourself (or your family) out with too much structure.
• Free Spirit
  You live in the moment and enjoy life.
  Watch out for: Losing track of where your money goes.
• Experiences vs. Things
  Do you prefer spending on memories or material goods?
  Tip: Neither is better. Just make sure your spending reflects what truly matters to you.
• Quality vs. Quantity
  Do you save for fewer, high-quality items or enjoy variety and bargain hunting?
  Tip: Be mindful of whether you're buying for yourself or for appearances. Avoid shopping as emotional escape.
• Safety vs. Status
  Do you seek financial security or measure success through possessions?
  Tip: Both are valid. Don’t let fear or comparison drive your decisions.
• Abundance vs. Scarcity
  Do you believe there’s always enough, or do you prepare for limited resources?
  Tip: Optimism is powerful. Just make sure you count the cost. Preparation is wise, but don’t let fear hold you back.
• Planned Giving vs. Spontaneous Giving
  Do you research causes before donating, or give from the heart in the moment?
  Tip: Both approaches can be generous and meaningful. Make sure your giving is thoughtful and sustainable.

Why This Matters

If managing money is 80 percent behavior and only 20 percent book knowledge, then understanding what drives your behavior is essential—especially if you’re trying to make a change.

By recognizing your money tendencies, you can build habits that support your goals and reflect your values. It’s not about changing who you are. It’s about making your financial life work for you.

*These tendencies are adapted from the book Know Yourself, Know Your Money by Rachel Cruze.

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