Money Personality Quiz and Test. What Are Your Spending Habits?

Your Money Personality Can Affect Your Financial Future – Let’s Find Out!

Hey there! I’m Steve, the Get Out of Debt Guy, and after helping thousands of people tackle their finances, I can tell you this—money isn’t just about dollars and cents. It’s personal.

The test is further down the page, but first, let’s talk.

How you think and feel about money influences every decision you make—from spending and saving to whether money stresses you out or brings you peace.

So, what is your money personality? Are you a Balanced Spender or a Big Spender? A Micromanager or a Stockpiler? Maybe a mix of a few different money personality types?

That’s exactly what this money personality quiz is designed to uncover. Because once you understand your financial personality, you can make choices that work with your natural tendencies—not against them.

Why Your Money Personality Matters

Your financial personality shapes the way you:

✅ Budget (or avoid budgeting altogether)
✅ Save and invest—or splurge and regret it later
✅ Handle financial stress and decision-making
✅ View debt, security, and financial freedom

This financial personality test will help you see your strengths, spot potential pitfalls, and gain insight into how you can build a better relationship with money.

Take the Money Personality Quiz – It’s Quick & Fun!

✔ No right or wrong answers – Just be honest with yourself.
✔ No overthinking – Pick the response that feels most like you.
✔ Completely anonymous – Your results are for your eyes only.

The 6 Money Personality Types – Which One Are You?

Everyone approaches money differently, but most people fall into one (or a mix) of these six financial personality types:

1️⃣ Balanced – The Financial Zen Master

You’ve got a healthy relationship with money—you save wisely, spend within reason, and rarely feel financial stress. You’re the sweet spot between enjoying life and planning for the future.

2️⃣ Big Spender – The YOLO Money Mindset

You love the finer things in life and aren’t afraid to spend big. Shopping, dining, and experiences bring you joy—but if you’re not careful, that luxury-loving streak can lead to debt.

3️⃣ Binge Spender – The Emotional Shopper

Ever buy things you don’t need when you’re stressed, happy, or just bored? Binge spenders tend to make impulse purchases and regret them later. Budgeting feels restrictive, but without it, money disappears fast.

4️⃣ Micromanager – The Overplanner

You track every dollar, check your bank account daily, and maybe even have spreadsheets for everything. Being careful with money is great, but over-managing can cause anxiety and make it hard to enjoy spending.

5️⃣ Phobic – The Avoider

Money stresses you out—so you ignore it. Bills pile up, you avoid checking your bank balance, and the thought of budgeting feels overwhelming. Facing finances head-on is the key to breaking the cycle.

6️⃣ Stockpiler – The Ultimate Saver

Security is your top priority, and saving money makes you feel safe. You avoid unnecessary spending, and debt is your worst nightmare. But sometimes, hoarding money can hold you back from enjoying life.

No Strings Attached – Just Insight!

💡 Your results are private – I don’t store, share, or sell your info.
💡 Find out something surprising? Use your results as a guide to smarter financial choices.
💡 Enjoyed the quiz? Share it with your friends, school, or financial literacy group!

So, what is your money personality? Let’s find out! Take the quiz now!

🔎 Let’s Find Out: What’s Your Money Personality? 🚀

Below the test, I’ll include some additional information about why understanding your money personality is essential. It will shock you. But first, take the test.

1. When it comes to vacations...
A. I love to plan every detail and expense.
B. I try to make them as inexpensive as possible or do not take them at all.
C. I plan for it to cost within a range because I know that I may spend more than a specific dollar amount.
D. I don't plan at all, the whole point is to have fun isn't it?.
E. I just hope that I have enough to pay for it.

2. At the end of each month...
A. I always seem to end up short.
B. I can tell you how much I will have left almost to the penny.
C. I am never sure if I will come out a bit ahead or a bit behind each month.
D. I don't keep track of my money too closely, but I know that I will come out ahead each month.

3. My money goal is...
A. to save as much as possible.
B. to have enough to pay for my basic needs and have some left over to save or invest.
C. to have enough to buy whatever I want.
D. to be able to treat myself every now and then.
E. I don't really have any goals.

4. Which of the following Beatles song titles best describes your relationship with money?
A. Help!.
B. The Long and Winding Road.
C. I Feel Fine.
D. Here, There & Everywhere.

5. If I found a suitcase containing $100,000...
A. I would be thrilled and try to figure out how to make it grow while using it for my own enjoyment.
B. I would be very excited because now I could get anything I wanted.
C. I would want to save and/or invest it, but would likely take a big chunk and splurge on myself and loved ones.
D. I would have no idea what to do with it.
E. I would carefully explore very conservative investments and/or put it in the bank.

6. Which of the following statements most accurately describes your feelings about credit cards?
A. I am always surprised by how much I have put on them when I get the bill each month.
B. I probably use them too much, but it rarely bothers me.
C. I rarely use them or pay them off every month.
D. I don't use them at all.
E. I use them too much and it bothers me.

7. Saving Money...
A. is my primary goal.
B. is hard. It seems that as soon as I get a little put away, an unexpected bill comes up and I have to take it right back out again.
C. is something I do without fail. I have a carefully designed plan in which I put some money away each month.
D. is something I try to do regularly. I try to put aside the same amount each month, although there may be some months where it is a bit higher or lower than usual .
E. is something I think I may have read about in a book once .

8. When I feel down in the dumps, spending money...
A. always makes me feel better.
B. on ways to make lots more money makes me feel better.
C. is not what I do to make me feel better .
D. makes me feel worse. Saving money helps me feel better.
E. is not something I would do. Reviewing my budget to make sure that I have enough money makes me feel better.

9. My budget...
A. is tremendous fun! I love playing with it each month and making sure that everything has its place.
B. could use some work. No matter how hard I try, I just seem to come up short or to barely make it each month.
C. is usually pretty accurate. Its not something I necessarily love doing, but I do feel good about making it work.
D. is something that I get very nervous thinking about or doing.
E. is something I think I may have read about in a book once.

10. My investment philosophy can be described as follows (even if you are not investing, imagine how you would be):
A. I don't believe in investments; I keep everything in the bank.
B. I analyze each investment very carefully and tend to be very conservative.
C. I analyze investments carefully and tend to have a balanced portfolio of somewhat conservative and somewhat risky ventures.
D. I go by my gut; my investments tend to be on the risky side.
E. I get very nervous and confused when thinking about investing.

11. When I bought my car...
A. I bought what I liked and worried about the cost later.
B. I ended up spending more than I had planned.
C. I found a compromise between what I wanted and what I could afford.
D. I very carefully researched every detail, ensuring that it would fit into my budget and made sure that I got exactly what I had planned.
E. I didn't really do any research, I was more worried about whether or not they would accept me for financing.

12. Which of the following books would be most helpful to you?
A. "Basic Tools of Budget Development"
B. "How to Make Money and Hold Onto It"
C. "How to Maximize Your Investments"
D. I should be the one writing the book on money management.

13. When it comes to retirement...
A. I am very systematic about planning for my future and feel reasonably confident that I will have enough to retire comfortably on.
B. I may not always save as much as I could or should, but am saving on a consistent basis and feel pretty confident that I will not have any problems.
C. I am somewhat worried as I have such a difficult time saving any money .
D. I am quite anxious, as I don't have any savings for the future and don't really know where to turn to in order to learn how .
E. I don't have any savings but am not too worried, the future will take care of itself.

14. When it comes to paying taxes...
A. it's not exactly my favorite thing to focus on; I usually have a professional do them.
B. I don't understand them and just sort of hope for the best each year.
C. I always seem to be scrambling to get organized each year and often end up owing more than I thought or hoped I would.
D. I plan and save regularly for my taxes. I may even do them myself and enjoy the experience.
E. I just sort of deal with it as it comes up; taxes are not a major concern or priority for me.

15. Which of the following statements best describes how you feel about your income?
A. I am doing o.k. with what I make, but a little more to put aside or invest would be nice.
B. It would be nice to have some extra money for when the credit card bills are higher than what I anticipated.
C. I could use a lot more than I am making right now to get the things I have always wanted.
D. Everyone can always use more money, I am just not sure how much more I would need.

Why Understanding Your Money Personality Matters (Especially in Relationships!)

Ever feel like you and your partner, family member, or friend just can’t see eye to eye about money—no matter how much you try? You’re not alone.

Money is one of the biggest sources of stress in relationships—and it’s not always about how much you have. The real issue? Conflicting money personalities.

Think about it: A Big Spender and a Stockpiler will never agree on whether to splurge on a vacation or hoard cash for a rainy day. A Micromanager and a Phobic will drive each other crazy—one needs to track every cent, while the other avoids looking at their bank account altogether.

If you’ve ever felt frustrated because someone close to you just doesn’t “get” your money mindset, chances are, you’re dealing with a personality clash.

Who’s Most Likely to Clash?

🆚 Big Spender vs. Stockpiler

  • The Big Spender loves experiences, luxury, and living for today.
  • The Stockpiler believes money is security and avoids spending unless absolutely necessary.
  • Conflict? The Big Spender feels controlled, while the Stockpiler feels financially unsafe.

🆚 Micromanager vs. Phobic

  • The Micromanager tracks every penny, budgets religiously, and loves financial control.
  • The Phobic avoids looking at finances, dreads budgeting, and gets overwhelmed by money talk.
  • Conflict? The Micromanager gets frustrated by the Phobic’s avoidance, while the Phobic feels pressured and judged.

🆚 Binge Spender vs. Stockpiler

  • The Binge Spender makes impulse purchases and often regrets them later.
  • The Stockpiler is hyper-focused on saving and avoiding wasteful spending.
  • Conflict? The Stockpiler sees the Binge Spender as reckless, while the Binge Spender feels guilty but struggles to stop.

🆚 Balanced vs. Literally Anyone Else

  • The Balanced Spender tries to keep everything in check, but put them with a Big Spender, Binge Spender, or Phobic, and they’ll feel like they’re always fixing financial chaos.
  • Conflict? The Balanced Spender might feel exhausted by constantly trying to bring financial peace, while the other personalities might see them as a “buzzkill.”

How to Avoid Money Personality Clashes

1️⃣ Recognize Your Differences – Money fights often aren’t really about money—they’re about mismatched values and habits. Identifying your financial personality types can help you see where your money conflicts are coming from.

2️⃣ Find Common Ground – You and your partner (or family member) might never have the same money mindset, but you can agree on financial goals that work for both of you.

3️⃣ Compromise & Communicate – A Stockpiler doesn’t have to say no to every vacation, just like a Big Spender doesn’t need to blow the budget. Finding middle ground can prevent resentment and financial stress.