By Jennifer Thompson


June 23, 2021

5 Money Personality Types

Your money personality type influences your relationship with money. That, along with your beliefs around money and your experiences with money make up your financial blueprint. There are essentially 5 Money Personality Types. Take the quiz below to find out what is your money personality type.


1. Saver


Money and Mid-Life


While it’s good that you know where it is going, it pays to question your motives for saving as much as you do. Is it out of fear? And a sense of lack?

If you have saved enough for a rainy day (equivalent to 3 to 6 months income) and are investing some towards your long-term goals (like retirement), maybe look at how money can add to the quality of your life.

Are there things or experiences you are denying yourself out of this sense of lack? Fear of running out of money? Seek balance in your approach to money.


2. Spender


Shopper Money Personality Types


You enjoy using your money for your immediate pleasure. Spending money on gifts for others gives you satisfaction. You find it difficult to save money and prioritize how you use your money. It may be difficult for you to put aside enough money for future-oriented purchases and long-term financial goals.

You may spend most or all the money you earn, and you may even be in debt. Compulsive in your spending? Emotional shopper? Ask yourself what need you are trying to meet in your spending habits. Dealing with loneliness? Or the need for approval and acceptance? Can you find different ways of meeting these needs, so they don’t cost as much?


3. Accumulator


Money Personality


Motivated by the adage, “Go Big or Go Home”, you like the prestige that comes with money and quality items. You take risks to see the money grow.

Your motto is “Go Big or Go Home!” Ask yourself if your relationship with money is closely tied to your self-worth. Remember, your net-worth is not equal to your self-worth.




4. Money Averse

Money Personality Type

You see money as the root of evil and the cause of many social problems in this world. You may not even be aware of this.

Your subconscious mind may be communicating that “rich people are entitled” or “money is what causes problems in our society.

Money is merely a tool. It’s the meaning we ascribe to it that causes the issues we face in regard to money.





5. Money Avoider


Money Personality Type

You avoid the subject of money like the plague, not because you think money is the root of all evil but because it scares you. You worry about it but prefer to keep your head in the sand.

Start dealing with your fear of what appears like a daunting subject. Closely look at your bank and credit card statements. Become clear about where your money is going and what’s coming in.

Make a list of financial goals. Make regular appointments to talk to your banker.

Educate yourself on all aspects of money.




Money Personality Quiz

For a greater understanding of your money blueprint, sign up for the Money Mastery Course.

This blog post contains affiliate links. I may receive a commission for purchases made (at no extra cost to you).

Through one on one coaching, webinars, and public speaking Jennifer helps individuals and businesses achieve the values-driven outcomes they desire. She has written numerous books on money: Women and Money: 7 Principles Every Woman Needs to Know to Be Financially Prepared in Any Economy and Growing Up With Money: Raising Financially Resilient Kids in an Age of Uncertainty. Jennifer can be reached at jenniferthompson@compelling365.com

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