Which of these 7 money personality types are you?

Some people are all about saving. Others live for the thrill of a good shopping spree. Neither one is right or wrong. It just depends on how you think about money. Figuring out your money personality can help you build better habits, set smarter goals, and understand why you do what you do with your cash. Let’s see what money personality sounds the most like you.

1. The saver

You’re careful with your money. Before you spend anything (even on a soda!) you stop and ask yourself, “Do I really need this?” Watching your money tick up in your savings account feels like a win, and it feels good knowing you’ve got some backup.

Pros: You’re great at planning ahead and saying no to impulse buys.

Cons: If saving becomes too much of a priority, you could miss fun experiences or great opportunities to try something new.

Tip for savers: Set a goal for something fun. Yes, saving matters. But so does enjoying what you’ve saved.

2. The spender

You don’t need much convincing to buy something that catches your eye. Whether it’s a hoodie, a new gadget, or lunch with friends, you love using your money to enjoy life right now. Waiting doesn’t really interest you (there’s no delayed gratification here!), and sometimes, that’s half the fun.

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Pros: You’re generous, confident, and always up for fun.

Cons: It’s easy to lose track, and you might come up short when something that you really want (but can't afford) comes along.

Tip for spenders: Try waiting to spend money until you've saved up a little bit first. You can still enjoy spending, just with more balance.

3. The avoider

Money stuff is not really your thing. You usually ignore your balance and avoid budgeting — and just hope it all works out. It’s not that you don’t care; it’s just... overwhelming. So you don't do it.

Pros: You're pretty relaxed, and you generally don’t sweat the small stuff.

Cons: If you keep avoiding it, you might miss chances to save, or even just feel more in control.

Tip for avoiders: Just pick one thing to try, maybe it’s checking your balance this week. That alone is a solid start.

4. The perfectionist

You want to know exactly where each and every dollar is going. You probably track every purchase, refresh your app a little too often, and feel uneasy if things aren’t perfectly organized. Staying in control makes you feel safe. But it can get a little tiring, too.

Pros: You’re responsible, detail-oriented, and probably pretty great at saving.

Cons: If you worry too much about your money, you may find that it's hard to relax or enjoy what you’ve earned.

Tip for perfectionists: If you’re tired of checking everything all the time, let tech help. Use auto-settings in an app to give yourself a break.

5. The giver

Whether you’re picking up the tab or giving to a cause you care about, sharing what you have just feels right. You’d rather spend money on someone else than on yourself most days. And that’s exactly what you do.

Pros: You’re thoughtful, generous, and known for your big heart.

Cons: Sometimes, you end up giving so much there’s not much left for you.

Tip for givers: Pick a monthly amount you’re cool with giving, so you’re helping others and keeping your own goals in sight.

6. The dreamer

You’ve got a big vision, whether it’s a trip, a business, or something no one’s ever done before. You’re not focused on every penny right now because you’re thinking about what that money could turn into down the road.

Pros: You’re creative, motivated, and driven by long-term goals.

Cons: Without a plan, you may not be able to make your dreams really happen.

Tip for dreamers: Start by breaking your goal into smaller pieces. Try using savings goals in the Greenlight app that can help you take your dreams from “someday” to real-life progress.

7. The risk-taker

You’re not afraid to take a chance. You might love investing, or maybe you just started a business. You might be into testing the waters and seeing what happens. You love finding ways to make your money work harder.

Pros: You’re curious and confident. And you're not afraid to learn by doing.

Cons: Some risks are better than others. And without a backup plan, things can go sideways fast.

Tip for risk-takers: Do a little digging before you jump in. A quick gut check (or even just asking someone who’s been there) can help you avoid an expensive mistake.

So, which money personality fits you best?

Chances are, you see bits of yourself in more than one of these. And that’s totally normal. Because once you know what drives your money habits, it’s a lot easier to build the kind of routine that actually works for you.

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