3. $$
$$ Key factsKey facts
Money provides type-relatedMoney provides type-related
psychological satisfactionpsychological satisfaction
Type influences financialType influences financial
behaviorsbehaviors
Each of us has an observableEach of us has an observable
“money personality”“money personality”
4. $$
$$ MotivationMotivation
Desire for financial gainDesire for financial gain (NT)(NT)
Avoiding financial lossAvoiding financial loss (I)(I)
Comfort and convenienceComfort and convenience (+SP/-NT)(+SP/-NT)
Security and protectionSecurity and protection (+ISJ/-SP)(+ISJ/-SP)
Pride of ownershipPride of ownership (+NT/-NF)(+NT/-NF)
Emotional satisfactionEmotional satisfaction (+NF/-ETJ)(+NF/-ETJ)
6. $$
$$ SJSJ
Save for futureSave for future
Meets needsMeets needs
Sense of stabilitySense of stability
SJSJ
Save for futureSave for future
Meets needsMeets needs
Sense of stabilitySense of stability
SPSP
Have funHave fun
Add to comfortAdd to comfort
A rush, a memoryA rush, a memory
SPSP
Have funHave fun
Add to comfortAdd to comfort
A rush, a memoryA rush, a memory
NTNT
Balance ST vs. LTBalance ST vs. LT
Max for minMax for min
Create changeCreate change
NTNT
Balance ST vs. LTBalance ST vs. LT
Max for minMax for min
Create changeCreate change
NFNF
Reflects MeReflects Me
Personal growthPersonal growth
EmotionallyEmotionally
fulfillingfulfilling
NFNF
Reflects MeReflects Me
Personal growthPersonal growth
EmotionallyEmotionally
fulfillingfulfilling
9. $$
$$ Extraverted SensorsExtraverted Sensors
ESTP, ESFP [istp, isfp]ESTP, ESFP [istp, isfp]
Hallmark – Immediacy, impactHallmark – Immediacy, impact
Priority – DonPriority – Don’t miss the moment’t miss the moment
Risk - adventure, uncertainty is funRisk - adventure, uncertainty is fun
Common practices - Buy now;Common practices - Buy now;
minimal (if any) planning; little store orminimal (if any) planning; little store or
brand loyaltybrand loyalty
10. $$
$$ Introverted SensorsIntroverted Sensors
ISTJ, ISFJ [estj, esfj]ISTJ, ISFJ [estj, esfj]
Keys - Cautious, Careful, Concerned,Keys - Cautious, Careful, Concerned,
ConservativeConservative
Priority – Be responsible, avoidPriority – Be responsible, avoid
instabilityinstability
Risk –Risk – “No!” Must protect against“No!” Must protect against
negative outcomesnegative outcomes
Common practices - Store and brandCommon practices - Store and brand
loyalty; plan and save or go withoutloyalty; plan and save or go without
11. $$
$$ Extraverted IntuitivesExtraverted Intuitives
ENTP, ENFP [intp, infp]ENTP, ENFP [intp, infp]
Hallmark –OptimismHallmark –Optimism
Priority – Have money to respond toPriority – Have money to respond to
optionsoptions
Risk – Comfortable with if:Risk – Comfortable with if: calculatedcalculated
(NTP);(NTP); with someonewith someone (NFP)(NFP)
Common practices – “wait and see”; ifCommon practices – “wait and see”; if
paralyzed by possibilities, may buy allparalyzed by possibilities, may buy all
the choicesthe choices
12. $$
$$ Introverted IntuitivesIntroverted Intuitives
INTJ, INFJ [entj, enfj]INTJ, INFJ [entj, enfj]
Hallmark – Aesthetics, foresightHallmark – Aesthetics, foresight
Priority – GetPriority – Get “the best money can“the best money can
buy”buy”
Risk – worth taking once end isRisk – worth taking once end is
clearly in mindclearly in mind
Common practices - Buy the vision orCommon practices - Buy the vision or
do withoutdo without
13. $$
$$ Extraverted ThinkersExtraverted Thinkers
ESTJ, ENTJ [istj, intj]ESTJ, ENTJ [istj, intj]
Hallmark - ManagementHallmark - Management
Priority – Set up and follow a processPriority – Set up and follow a process
Risk – Logical, manageable risksRisk – Logical, manageable risks
Common practices - Keep orderlyCommon practices - Keep orderly
records; track all cash flowsrecords; track all cash flows
14. $$
$$ Introverted ThinkersIntroverted Thinkers
INTP, ISTP [entp, estp]INTP, ISTP [entp, estp]
Hallmark - Efficiency, effectivenessHallmark - Efficiency, effectiveness
Priority – Spend money only whenPriority – Spend money only when
value is there, regardless of pricevalue is there, regardless of price
Risk – analyzed, understood,Risk – analyzed, understood,
weighed risksweighed risks
Common practices: ComparisonCommon practices: Comparison
shopping to analyze price vs. utility;shopping to analyze price vs. utility;
only payonly pay “what it“what it’’s worth to me”s worth to me”
15. $$
$$ Extraverted FeelersExtraverted Feelers
ESFJ, ENFJ [isfj, infj]ESFJ, ENFJ [isfj, infj]
Hallmark - RelationshipsHallmark - Relationships
Priority – Use money for sharedPriority – Use money for shared
experiencesexperiences
Risk – Avoid relational pressures,Risk – Avoid relational pressures,
tensiontension
Common practices: Use money toCommon practices: Use money to
take care of people; maintaintake care of people; maintain
personal connectionspersonal connections
16. $$
$$ Introverted FeelersIntroverted Feelers
ISFP, INFP [esfp, enfp]ISFP, INFP [esfp, enfp]
Hallmark - Deeply-held values,Hallmark - Deeply-held values,
financial apathyfinancial apathy
Priority –Priority – Values-driven approach toValues-driven approach to
financesfinances
Risk – ????Risk – ????
Common practices - buy things theyCommon practices - buy things they
like; donlike; don’t bother “keeping up with’t bother “keeping up with
Joneses”Joneses”
Notas do Editor
APTi XX Biennial Conference, 2013 Miami Your Money Personality (c)2013 Ray Linder
APTi XX Biennial Conference, 2013 Miami Your Money Personality (c)2013 Ray Linder
APTi XX Biennial Conference, 2013 Miami Your Money Personality (c)2013 Ray Linder
APTi XX Biennial Conference, 2013 Miami Your Money Personality (c)2013 Ray Linder
APTi XX Biennial Conference, 2013 Miami Your Money Personality (c)2013 Ray Linder
APTi XX Biennial Conference, 2013 Miami Your Money Personality (c)2013 Ray Linder
APTi XX Biennial Conference, 2013 Miami Your Money Personality (c)2013 Ray Linder
APTi XX Biennial Conference, 2013 Miami Your Money Personality (c)2013 Ray Linder
APTi XX Biennial Conference, 2013 Miami Your Money Personality (c)2013 Ray Linder
APTi XX Biennial Conference, 2013 Miami Your Money Personality (c)2013 Ray Linder
APTi XX Biennial Conference, 2013 Miami Your Money Personality (c)2013 Ray Linder
APTi XX Biennial Conference, 2013 Miami Your Money Personality (c)2013 Ray Linder
APTi XX Biennial Conference, 2013 Miami Your Money Personality (c)2013 Ray Linder
APTi XX Biennial Conference, 2013 Miami Your Money Personality (c)2013 Ray Linder
APTi XX Biennial Conference, 2013 Miami Your Money Personality (c)2013 Ray Linder
APTi XX Biennial Conference, 2013 Miami Your Money Personality (c)2013 Ray Linder