Are you among the 14% of Americans whose money personality is The Guardian?
As The Guardian, you’re conventional, patient and down-to-earth. You’re a creature of habit who loves routines and avoids the uncertainty and stress associated with breaking the rules.
You follow directions to the letter and always accomplish your goals with focused energy. You have your established habits and it would take a large shift for you to break away from them.
You bring predictability to your finances, so you stick to a budget and already have an emergency savings fund. But avoiding risks can cause you to miss out on new ways to make or manage your money.
When it comes to The Guardian’s financial habits:
- You don’t reach out to others for support for financial issues.
- You keep a strict budget and avoid impulsive spending.
- You actively analyze your finances and don’t break from habits or plans.
- You tend to avoid high risks, no matter the potential rewards.
- You avoid new tools and strategies for financial planning.
Payoff’s recommendations for The Guardian:
- Don’t be afraid to try something new once in a while.
- Consider seeking out others’ opinions, suggestions and ideas.
- Try to focus on the positive instead of dwelling on negative financial outcomes.
- Reward yourself for small wins to keep yourself on track.
- Without being impulsive, step out of your comfort zone sometimes.
The Science
All 10 money personalities, including The Guardian, and Joy, were identified and developed by Payoff’s Science Team, led by Chief Science Officer Dr. Galen Buckwalter. (By the way, Dr. Buckwalter is the very same scientist behind eHarmony’s successful match algorithm.)
Each money personality was identified using the Big 5 and findings in behavioral psychology, neuroscience and other areas of science. As a result, the quiz uses real science to pinpoint the secrets behind your spending, saving and money management.
The Why
Dr. Buckwalter, along with Payoff’s founder and CEO, Scott Saunders, have designed Payoff to be a financial wellness company that applies science, psychology and technology to help our Members reinvent their relationship with money and accelerate their journey to financial wellness. We focus on the intersection of personality and financial behavior, developing products and services that help our Members achieve their goals.
Want to know your friend’s money personality too? See if they want to give Joy a try! Then discover how your money personalities compare to each other.
