Money personality quiz: which of the four money types are you?
Short answer
Most money behaviour comes down to two questions: when money arrives, do you keep it close or send it out, and is money for you a shelter or a tool? The four combinations behave differently — which is why the same advice helps one person and fails another.
1. An unexpected £500 lands in your account. Your first thought:
2. Which sentence sounds more like you?
3. How often do you look at your savings balance?
4. You get a pay rise. The first thing you picture:
5. A friend recommends an investment everyone seems to be in:
6. Which would bother you more?
7. Money left in a current account for months feels:
8. A good year, financially, is one where:
0 of 8 answered
The two axes
Kept close or sent out is what your money does next: sits where you can see it, or goes to work almost as soon as it lands. Shelter or tool is what money is for: making sure nothing goes badly wrong, or something you point at a goal. The full explanation is in our guide to money personality types.
The four types
- The Keeper (kept close, shelter) — the most secure, and the most exposed to slow erosion by inflation.
- The Planner (kept close, tool) — saves toward specific goals; can freeze over choosing the wrong one.
- The Guardian (sent out, shelter) — invests for safety; can mistake activity for protection.
- The Mover (sent out, tool) — the fastest-moving, and the most likely to be over-committed without knowing it.
Questions people also ask
- What are the four money personality types?
- Combining two axes — keeping money close or sending it out, and seeing it as a shelter or a tool — gives four: the Keeper, the Planner, the Guardian and the Mover.
- Which money type is best?
- None. Each has a strength and one characteristic mistake; the useful move is choosing advice that fits your type rather than trying to become another one.
- Is this financial advice?
- No. It is a reflection tool. For decisions about investments, pensions or debt, speak to a regulated adviser.
The longer version
Twenty-one scenes, read properly — then a book written to the answer.
Our reading uses the same idea as this game — a picture instead of a self-description — across twenty-one scenes and eight axes. Free to take, about eight minutes. If you like what it sees, a book is written for you: £9.99, PDF.