What’s Your Money Personality? A Simple Guide

What’s Your Money Personality? A Simple Guide

Ever wonder why handling money feels easy for some people, but for others, it’s a constant struggle? A lot of it comes down to your money personality—basically, the way you naturally think about and deal with cash.

It’s like your money habits in a nutshell. Maybe you’re a saver, always tucking money away. Maybe you’re a spender who loves treating yourself and friends. Or maybe you’d rather not think about money at all. We all have our own style—and knowing yours can help you make smarter choices.

  • The Saver: You get a kick out of watching your balance grow. Sometimes maybe you save a bit too much and forget to enjoy your money.
  • The Spender: You love shopping, going out, spoiling yourself (or others). Sticking to a budget? Not your favorite thing.
  • The Indifferent: Money feels boring. You do the bare minimum just to get by, and don’t really pay much attention to your finances.
  • The Avoider: Thinking about bills or budgets makes you anxious, so you put it off and hope everything works out.
  • The Complacent: You think you’ve got it all under control because you have a routine, but sometimes you forget to check in and see if things are working for you.
  • Saver: Set up a “fun” account so you give yourself permission to enjoy your money, not just hoard it.
  • Spender: Try making lists before you buy—whether it’s groceries, gifts, or travel. It keeps you from getting distracted by those shiny and fun objects!
  • Indifferent: Turn money/finance tasks into a game. Challenge yourself to save or pay off a credit card and reward yourself when you make progress.
  • Avoider: Seek help: Avoiders are in denial because of fear. So, ask for help and get a partner!! Things are less scary when you aren’t alone. This can be with a professional like a financial planner or someone close to you like your partner or parent.
  • Complacent: Remember to review. Complacent people tend to think they have everything under control due to their routine and therefore will forget to review and assess their situation. This can cause them to think that everything is great, not realizing they are starting to become careless with their spending.

Now you may not fit perfectly into one personality type but understanding where your dominant personality is will help you be more aware of your money habits. 

When you understand your money personality, you can play to your strengths, spot your weak spots, and build good habits that fit your life.


No one’s perfect with money, but a little self-knowledge goes a long way. Here’s to getting a bit savvier—one smart move at a time!

At Innovation Wealth and Aviso Wealth, we believe everyone’s financial journey is unique. Our team is dedicated to helping you understand your money personality and guiding you toward solutions that match your needs and goals. Whether you’re looking to build better habits, plan for the future, or simply gain more confidence in your financial decisions, we’re here to support you every step of the way. Let us help you turn self-awareness into financial empowerment—reach out today and discover how we can work together to achieve your financial dreams.

Contact Us

Mutual funds and other securities are offered through Aviso Wealth, a division of Aviso Financial Inc. The information contained in this article was obtained from sources believed to be reliable; however, we cannot guarantee that it is accurate or complete. This article is provided as a general source of information and should not be considered personal investment advice or a solicitation to buy or sell any mutual funds and other securities.