We ALL have Money Types subconsciously guiding our lives – financially, interpersonally, career-wise, maritally, socially, and more. Have you long wondered WHY you interact with money as you do? Does money overwhelm, stress, or excite you? Do you have more than enough or are you in constant struggle to stay afloat?
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hidden money beliefs, behaviors, and habits.
Are you ready to know your own money type?
If you haven’t yet taken the money quiz, you can grab a copy HERE.
Below are links to descriptions of each of the Money Types. Click through to learn more about any Money Type for which you have a score of 5 or more – these are ACTIVE money types in your life.The other money types with scores of 4 and below are also present in your life and can be activated in certain situations. So, I strongly encourage you to click on any other applicable Money Type to learn more.
When you discover and heal your Money challenges, you not only uplift your life
but also the lives and conditions of the world around you.
By the way, as loyal reader, you get a complimentary Review and Strategy Session around your Money Quiz results. You can book in your own Session HERE.
Now, before you dive in, I want you to know that these Money Types are NOT who you ARE. Rather, they are archetypes of behavioral patterns and belief systems that you have inherited along your life path – often before the age of 12!
I’m here if you have questions about any of these Money Types, or if you want further support.
The 8 Money Types
(These money types have been used with thousands of clients worldwide and are based on the ground-breaking work of Deborah Price of the Money Coaching Institute.)
- The INNOCENT Money Type
- The VICTIM Money Type
- The WARRIOR Money Type
- The MARTYR Money Type
- The FOOL Money Type
- The CREATOR/ARTIST Money Type
- The TYRANT Money Type
- The MAGICIAN Money Type
The INNOCENT Money Type
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You, like all other humans, start out life as a money Innocent. You are not born with an innate understanding of the complex world of money. However, as you become an adult and take on increasing responsibility for your financial matters, your child-like (innocent) approach to money will quickly begin to create problems.
The ‘Innocent’ archetype is one of the most common money types in women. It is likely present within you if you find yourself taking a rather ‘ostrich-like’ approach to money. With this money type, you will tend to avoid things like your bills, investment accounts, bank and credit card statements, your paychecks, and – in more severe circumstances – phone calls from debt collectors.
In your quiet moments, you may notice a desire to run away from the financial problems because you feel powerless. You might even wish for some form of rescue – from a parent, a mate, or the lottery.
If your Innocent is strong, you will be fighting off ever-growing anxiety. You will also do everything you can to avoid your financial life because it overwhelms and confuses you. You may even believe that others are much more suited to the world of money than you are and catch yourself making statements like “I’m just not good with money” or “I’m terrible with numbers”.
As a result of these kinds of beliefs, you may find that you are immobilized around your money matters without the opinions and guidance of others – a parent, a spouse, a ‘financial advisor’, or a friend. This dependence, without a solid understanding of your own money, can frequently create a risky scenario for your financial well-being. Money Innocents have the highest likelihood of over-trusting others and being swindled or taken advantage of in some way.
When your Innocent is willing to embrace the journey of financial learning, and stop looking for safety and rescue from others, amazing things begin to happen. You discover your own innate financial power, capability, and independence. You learn to more clearly see the motives, the functions, the rules and the opportunities in the money world around you. Turnarounds can happen very quickly with your newfound financial awareness and knowledge.
The VICTIM Money Type
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Because these feelings and beliefs are like wounds that you feel powerless to heal on your own, you tend to consciously or subconsciously seek some form of rescue by others (similar to the Money Innocent). However, this rescue-seeking often happens in passive-aggressive ways because of the painful belief that only others have the power to heal you. At the root of this, you may believe you can only be happy if someone else fixes it for you.
If the Victim money archetype is strong within you, you may notice you have a long list of reasons (or excuses) for why you cannot be more successful with your finances, and why others are either to blame or are responsible to do the financial fixing for you.
*If you find the Victim money type is very present within you, chances are high that experiences such as abuse, betrayal, or significant loss are still holding significant sway over your life. The pain from such experiences is not yet processed and healed and you are still suffering. As a result, you may be feeling a frustrated sense of entitlement to a rescue of some form – because of all the wounds you have had to bear.
Addictions, such as gambling, shopping, or substance abuse, are common signs of this Money type and if these are present for you, they will tend to sabotage your sense of financial well-being and security.
When the Victim money type within you is able to grant forgiveness – to both others and yourself – and commits to the journey to heal and clear the wounds that have bound you, more powerful and beneficial money types are given the chance to emerge and grow within you. Additionally, you may discover that your experience with pain has been a powerful teacher that can beautifully and compassionately influence the financial future you have the power to create for yourself.
The WARRIOR Money Type
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If the Warrior money type appears in your ‘money types’ quiz results, there is a good chance you are doing some bold and confident things with your money. Warriors are conquerors – learned or innate – in the world of money, and are often rather successful in their financial endeavors.
If this is you, you may be experiencing success with managing your household or business finances, making purposeful investments, being clear, decisive and in control of how and where money is guided – usually to create more wealth.
You always have an ear open to expert tips and guidance around financial strategies and investment opportunities. However, you tend to walk your own path and rely on your own past experiences, skills and instincts to make your ultimate financial decisions. You depend on no one to make financial decisions for you.
As a conqueror and creator in the world with a drive to succeed, you are likely to come face to face with your competitive nature. You may find yourself in competition with other’s in your industry, a parent’s past achievements, your child’s emerging successes, or some ideal you hold for yourself. This can sometimes get the best of you and lead you in the wrong direction, ultimately damaging relationships with family, friends, others in your professional circle, or even with yourself.
When your Warrior can work in concert with your heartfelt values and listen to the needs of trusted others around you, it can be a beautiful path of personal growth through endless creation, sharing, and fulfillment.
The MARTYR Money Type
Similar to the Innocent money type, the Martyr is also one of the most common money types present in women. If this money type is active in your life, you may have a tendency to put you and your needs last when it comes to your financial life. Spending all your money on others before spending on yourself, or even taking on a higher-paying job that you drains you so others around you can live well, are hallmarks of the Martyr money type.
Whether you are a mother with children, a spouse or close friend to someone struggling, or a daughter to an ailing parent, you often find it easier to apply your finances and working life to meeting other’s problems and needs. The thought of putting yourself, first, with money often creates feelings of selfishness and being uncaring.
In many cultures, women are expected to play this role. As a result, it’s quite common for women of all ages and backgrounds, as employees, entrepreneurs or stay-at-home moms, to sacrifice their own goals and financial security to support or rescue another. It’s a “do unto others as you would have them do unto” approach gone overboard. If this is you, know that you are not alone as your culture has likely trained generations of women around you to operate in this way.
It is important to understand that when this money type plays a long and lasting role in your life, you may find a pattern of attachment to your own suffering. It can show up as over-giving, under-charging/under-earning, over-sacrificing your own needs and goals, and being disappointed when the sacrifices and giving are not equally returned. It can also manifest as subconsciously creating scenarios where you are repeatedly let down.
When you have the Martyr as an active archetype in your life, your giving and selfless acts toward others actually come with strings attached. It won’t seem like it, at first. But, if you sense you have attachment to an expected outcome, that is your clue that the Martyr may be present – a giving to get something that usually does not meet expectations. You may also frequently feel taken-advantage-of and not recognized for the value you contribute.
Other tendencies of the Martyr money type are control and perfectionism – which are born out of woundedness (from your own fears and shortcomings, life experiences, or conditions with others). In short, you may seek to control situations with a strong need to be right and high expectations for certain outcomes – outcomes that you subconsciously hope will soothe your unmet needs and unhealed wounds.
When things do not go as you planned and the controlled situation does not lead to your desired feelings, fulfillments, or outcomes, you may experience depression, anger, passive-aggression, or even moments of rage.
For the Martyr, it’s a powerful thing to uncover any subconscious beliefs leading to the pattern of self-sacrifice, as well as what within you needs priority love and attention.
When you can love and heal your Martyr, all your drive to give, create, and succeed can be channeled into creating powerful (financial) outcomes for yourself that fill your bucket, first – thus creating more space, energy and resource to still give to others.
The FOOL Money Type
You’ve probably heard the saying “A fool and her money are soon parted”. However, if this is a money type that shows up in your life, this doesn’t exactly tell the whole story.
The Fool money type is actually an interesting blend of the Warrior and Innocent money types – combining bold moves and risk taking without real thought about the true risks or consequences involved. If this is you, you likely have a strong desire for financial success, but resist doing the consistent, backend work to get there. A search for financial shortcuts (think: “get rich quick schemes”) and windfalls (think: “lottery” or “Las Vegas”) may be your main strategy in your financial plan.
When it comes to opportunities to throw the dice and take your chances, you are both fearless and somewhat blinded by the exciting prospects. You can’t see the details beyond the gamble – debts, taxes, loan details, financial plan, impacts to daily life, etc. – and don’t really care to consider such. You are an optimist and a dreamer at heart and figure you can handle whatever comes your way.
For you, money-making may be viewed more as a form of entertainment or sport – typically done without much serious thought. It wouldn’t be surprising if money-giving to others (when you have very little of your own or are living on borrowed money) is also part of your financial equation. As a result, money tends to easily slip through your fingers as you gamble, give-away, take risks without forethought, and have fun.
Money, for you, walks hand-in-hand with your somewhat happy-go-lucky, in-the-moment nature. Because you often lack attachment to future outcomes and tend to pursue money for pleasure, you can turn these qualities into assets when you find ways to channel these energies into a more intentional creation and growing of your financial reality.
The CREATOR/ARTIST Money Type
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Generally-speaking, this money type tends to show up in creative entrepreneurs, spiritualists, non-profit employees, creators of all types, and really anyone on a creative, artistic, or spiritual path. With women, though, the presence of this money type appears to be much more broad-reaching and often includes caregivers, teachers, and more. The Creator/Artist is one of the top three money types most frequently present in women.
If you notice within yourself a love/hate relationship with money, if you fear that others would judge you for having more money, it’s likely you feel love for what money can buy you and the goodness it can do for the world. However, the notions of desiring, acquiring and growing material and financial wealth for yourself cause you great discomfort and disdain.
Rooted within this discomfort and disdain is a deep-seated fear of not being authentic to yourself, of being corrupted and distracted by a desire for money, of being seen as greedy and not the true creator, artist, or spiritualist you desire to be. Others who do pursue material and financial success will often trigger negative or uncomfortable reactions within you.
As a result of this financial conundrum within you (loving money for its gifts and fearing it will corrupt you), you may be living in constant financial struggle. If this struggle has been present within you for a long time, it may also be part of your identity and even your source for creative inspiration. To even contemplate the idea of having and growing money may feel very threatening to your already minimal, financial survival.
If you experience money in this conflicted way and find you have emotional blockages to having financial wealth, your work will be to more deeply accept the world around you – money and all. Creator/Arist money types who are willing to explore, focus on and embrace the beautiful, spiritual, life-uplifting aspects of money can be both the fulfilled creators they desire to be AND spirit-centered influencers in their families, communities, and industries. When this money type is combined with the Money Magician and/or the Warrior, stand back world – amazingness will soon unfold.
The TYRANT Money Type
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Statistically-speaking, this money type tends to show up much more frequently in men than in women. If you do find this money type within you, you may experience feelings of never being at peace with money, never having enough, and never feeling complete or comfortable with what you do have – even when you have an overabundance of money and all that you desire.
You may find yourself using money to manipulate and/or control the world around you – people, circumstances, events. Domination and power are your primary motivators, and you may feel little remorse for those who may get left behind or trampled by your actions.
If this is a strong money type for you, you are likely to be a successful entrepreneur, top media personality, political leader, or even a figurehead for your family. You have warrior-like financial successes on your resume and others may look to you in admiration for your financial conquests. However, when this money type runs unchecked within you, it further fuels your desire for domination and control.
On the surface, you will appear to others to have all that you could desire – the bank account, the connections, the influence, and more. However, if you were to allow yourself to stop the endless march and tune into the feelings deep within you, you would likely discover unhealthy levels of fear and a deep discomfort about yourself – wounds that can never be healed through domination, control, or exerting extra levels of power over your surroundings.
If Tyrant shows up for you, your first act will be in learning to shift into gratitude for the people, resources, and conditions already present in your life (vs. controlling and manipulating to ease your pain). It will also mean exploring and seeking to understand the roots of your fears that have a hidden stranglehold on your happiness and sense of safety.
When your Tyrant can let go of the unhealthy reins behind the ceaseless seeking of control and, instead, embrace the goodness all around you, your already-present Warrior can more deeply connect with the Money Magician. Only then will you find the peace and joy you have so desperately been seeking.
The MAGICIAN Money Type
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If you have this money type within you, there is a strong likelihood that you have a spiritual-like awareness around the energy, the flow, and the deeper roles of money in your life. As a result, you are very adept with your feelings and interactions with money and are confident you can create the financial reality you desire – in healthy and fulfilling ways.
With great awareness of the world around you, and a sense of peace in your life, you have likely already made amends and learned a few great lessons of life from your past trials and tribulations. You use those lessons to be a better steward of money in all ways. You are able to deeply listen within, tap your spiritual guidance, and use these inner resource to manifest, guide, and grow money in ways that are fully aligned with your values and visions for the world around you.
If the Magician money type does not currently appear in your life, or only shows up in small ways, your role is to work with whatever money types you already have present. Learn from, heal, and grow from wherever you are as such steps are a necessary part of any journey toward financial joy and well-being. You cannot be a true Money Magician and still have many unhealed or conflicting parts. In short, you must learn to walk before you can fly.
The more you can embrace and integrate the internal spirit world with the material world, and the more you can heal and release past suffering, then the more easily the door to the Magician will open for you.
When your outer world of fulfillment blends with inner peace, financial well-being, and greater self-actualization, then the Money Magician is surely alive and manifesting at will within your life. In this space, it will be much easier to understand and accept that all needs can be met all the time.
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©2018 Kelly Harrell, Certified Money Coach (CMC ®) Money Tree Academy. All rights reserved.