Common “Money Personalities”: Which One Are You? (And why…

If you’ve ever Googled “why is it so hard for me to save money”, you’re not alone.

And here’s the surprising part: for most people, saving money isn’t hard because they’re lazy or “bad with money.” It’s hard because of something deeper—fear, overwhelm, lack of clarity, or the mental load of trying to do everything right.

In coaching calls, I hear the same money struggles show up in different forms. Over time, I started noticing patterns—almost like money personalities.

So in this post, I’m going to walk you through 5 common “money personalities,” how to recognize them, and one simple tip or question that can help you move forward without shame.

Boring Money Habits That Build Wealth: Simple Steps to…

When we were newlyweds, I remember everything costing so much. New tires. Furniture. Paying my husband’s car insurance when he was under 25. Rent. Wanting to travel to see family. All of it just seemed so expensive, and we were fresh out of college with really not much extra income.

Through that time, I was trying to figure out what this whole budgeting thing meant. I had always been taught to not put money on credit cards, to live below your means, but what did that actually mean, and what could I actually control? I felt simultaenously rich (since I actually had a job) and also poor because it still wasn’t much.

This post is, if I was going to do it again, the boring habits I would put in place to get to your first million dollars.

You might be reading this as a new college student or newlywed, young in your twenties. You might be reading this in your mid-thirties, mid-forties, or mid-fifties. I don’t know what season of life you’re in, but no matter which season, these boring habits can go a long way and can be applied to whatever stage of life you’re in.

As always, I’m not your financial advisor. These are simply things I’ve learned along the way from listening to various podcasts and applying them in my own life. They are what helped us achieve Coast FI (coast financial independence) and allowed us to continue to multiply our money and build the life that we want over the years. They are not in any particular order, so read them all and take your next best step!