Type A vs. Type B Money Personality: Which one are you?

23:24But for those of you who have the cash on hand, but just bothers you or eats away at you, these small little purchases just really, really bother you, then you may be type A and it may be one of those things that's gonna hold you back. Because if you dwell on things that are negative long-term, it's gonna cause a negative relationship with money. And the last thing I want for anybody out there is to develop this negative relationship with money that causes them stress and anxiety. That's not what we want whatsoever. Move on and let's move on to the next thing, especially if you're making decent money, okay?

23:53Type A people can also create overcomplicated portfolios. They feel as though, okay, well, I'm pretty smart and I'm really good at this money thing now because I'm optimizing for everything. So I'm gonna add in some additional funds. Maybe I'm gonna have a 15 fund index fund and ETF portfolio, or maybe I'm gonna add in a bunch of different stocks or some crypto or some other things that are gonna be a big portion of my portfolio so that I can beat the market. I'm gonna beat that market. I'm gonna be the one that beats the market. And for many of you out there, you could overcomplicate your portfolio because you're overthinking it.

24:25You're looking at it too much. Maybe you add in just a bunch of random sectors, emerging markets, international funds. Then you add in some small cap. You add in some mid cap. You add in some large cap. On top of all the VTI and the VOO, meaning the Total Stock Market Index Fund or the S &P 500 Index Fund, you're just throwing funds at the wall, trying to over-optimize, over-diversify for what you're actually doing. You can really over-complicate your investing pretty quickly if you do enough stuff like that. Sometimes doing less is way more, especially when it comes to investing. So I want you to remember that.

24:57Doing less is more when it comes to investing, okay? Also, you may spend hours chasing tiny savings. So have you ever seen the Extreme Couponing Show where people on that show are spending 30 hours per week couponing to try to get a free trip to the Dollar General this week. Well, my friends, if you do that and you over-optimize, you may be, or you probably, 100%, because no type B person would ever do this, you probably are a type A money person. Or if you feel guilty about spending money, you probably could be a type A money person, and that's one of the money traps that you could fall into.

25:33Every single time you spend money on yourself, you feel guilty. Every single time you spend money, you know, to go, maybe you need a new shirt for a wedding. And you go, go buy that new shirt and you just feel guilty for buying that shirt. Or maybe you need a new dress for a wedding or an event. And you go buy that new dress and you just feel guilty about it. You're probably an optimizer. And you're probably just thinking about your money too much, to be honest. And you need to give yourself some relief and some stress relief as you start to think about this. Or maybe you're just trying to find that perfect investment.

26:00You're trying to find the perfect place to invest your dollars, which doesn't exist, by the way. And you're just trying to make sure that you could find that perfect investment. Well, let me just tell you right now, that's not the way to do this. So type A, people, the last thing I want you to do is I don't want you to major in the minors. The minor things don't matter. The minor things aren't things that you should be focused on day in and day out all the time. Now, if you like it, I get it. That's fine. That's your personality. I get it. But don't major in the minors without focusing on the real things that actually matter.

26:30So what would be the perfect situation or the perfect budget for someone who is type A? What would be the perfect way to develop a spending plan or a way for them to manage their money? Well, a zero-based budget is perfect if you are type A, meaning every single dollar that comes in, you give it a job. You give it a place where it needs to go. You give it something that could be assigned somewhere before every single month. Because if you like the spreadsheets or you like your budgeting apps or you like to make sure that you're in there in the weeds, every single day, a zero-based budget, which I think is great for anybody, by the way, even if you're type B, I think you should be doing a zero-based budget.

27:03It is the best overall budget to do. But this is how it works. Let's say, for example, your income comes in and you have$8 ,000. Well, you decide, okay, well, next month, next week, my mortgage is due. So I'm going to sign some of that money there. And then a week after that, my electric bill is due. And then I got to have some money for investing. I got to have some money for, you know, my travel fund. I got to have some money for, you know, everything else. It doesn't matter what it is. You know, I'm going to sign some money there. Oh, my kid's got horseback riding lessons that are going to come due next day in two days.

27:30I better set up some money aside for that too. And so you just kind of compartmentalize all your dollars as they come in and give them a job. So here's an example. If you have that$8 ,000 come in, you know, every dollar gets assigned. If your mortgage is$2 ,500, you put some there. If you're investing is$1 ,500, you put some there. If your groceries are$800, you put some there. Travel's 500, fund money's 400, and everything else gets assigned all the way down until that income, that$8 ,000 income is down to zero because you assigned it to different categories. Meaning you took every dollar and you put it somewhere.

28:00Not because you spent everything, but because every single dollar has a job. It has a place to go and it has a place to compartmentalize. And for type A people, this is not restrictive. This is freeing for them because now they know where that money is going to go. It's not just commingled or sit in their checking account. They know where their dollars are going to go. And it's satisfying for you because you understand now that my money is going to go where it's supposed to go. And that's really what you want. You want your dollars going where they're supposed to go so that you can make sure that it's optimal.

28:27It's optimized. You're not having any waste and you can cut that waste out. I love that for you. I love that for you guys to make sure you have no waste on hand and how you should start to think about this. And so how should someone who is type A focus on optimizing their money? Type A people, I'm going to give you a little freedom here. I'm going to give you permission to nerd out. I want you to nerd out. It's part of your personality. And in fact, that's going to make you really good at money. You're going to become very, very wealthy if you nerd out with your finances. And if you start to think about this in a way where, hey, if you're going to have some fun in your spreadsheets, you just want to make sure that you set some boundaries around it.

28:58Don't be spending 15 hours a week. Don't be spending 20 hours a week on your spreadsheets. Instead, set some boundaries. Maybe you set some time blocks up where you're working on your money and your finances in a way that makes sense. A lot of type A people are the folks on Reddit like, here's what I'm doing with my spreadsheets. Here's all the things that I need to get done. here is the da-da-da-da-da-da-da. No, just chill out and relax a little bit. I'm saying that to help you. I want you to over-optimize, to be honest, because that's what gives you your superpower is that optimization, but also give yourself a little bit of lack so you're not stressed out all the time.

29:31So focusing on the big five, I think, is the area that most of you want to do. It's income, it's housing, it's transportation, it's taxes, and it's investing. These five areas, if you focus on those five and make sure that you are optimizing for those, you could become very, very wealthy. And these drive the majority of most people's financial decisions. And these are the areas that I think many folks can really benefit from if they focus on those five things. Don't spend three hours trying to save$8 on Netflix when you could be spending that time optimizing with the five. And if you focus on those five, that's where you'll get wealthy.

30:05I want you to redirect your superpowers from couponing or finding the cheapest gas in town or finding the cheapest way to get subscriptions. And instead, I want you to focus your time and energy on your housing, your transportation, your investing, your taxes, and your income. Those are the areas I want you to focus on so you know exactly what is going on. So type A, folks, that is what it's like for you. That is what you're seeing every single day in life. Now, let's get to type B because I think this is going to be a very different, it's the polar opposite. It's going to be a very different situation for you type B folks.

30:40All right, so type B folks, you are going to have these money superpowers that type A does not have whatsoever. And your money superpowers are going to be something that's going to help you live your life and help you enjoy life a little more. You're probably going to be a little less stressed than type A folks will be if you do this right. Now, if you don't do this right, you run the danger of being on a fine line to be extremely financially stressed later on in life if you do not take care of this stuff up front. All right. So often type B folks are less emotionally affected by market fluctuations, meaning the market could go down, the market could go up, and you understand that that's normal.

31:18That's a very normal thing that's going to happen, and you're not worried whatsoever. You are less likely to overcomplicate your investments, meaning you want the simplest path to get there. Someone like a JL Collins, for example, who invests in one fund, VTI, has an investing philosophy that is very, very type B dependent, comfortable with letting just your systems run in place. You set up systems, you let them run, and you are a-okay with having those systems in place. And you are less obsessed with financial perfection. You're like, I don't need to be perfect. I need to be just getting this stuff done.

31:51Done is better than perfect. And I want to make sure that this stuff is moving forward in the right direction. And my net worth is growing. My income is increasing. My investments are increasing. That's what you care about is the big ticket number instead of just optimizing for every single penny. You're willing to forego hundreds or thousands of dollars per year so you don't have to spend so much time in the weeds and worrying about some of that stuff. And you're able to enjoy your money without analyzing every single spending decision or every single money decision. Now, here's one thing that you can realize for you type A folks is you could be type A or you could be type B and you could start to develop systems that push you towards the other money personality type.

32:31And if you want to be more so like the other money personality type, or you want a hybrid methodology, we can talk about that as we start to get through this. So type B money traps. These are the things I want you to watch out for. And I want you to focus on because your weakness is over optimization, like a type A person, it's neglect. And what I don't want you to do is start neglecting some of these areas of your finances. And then a year or two goes by or three years go by and you realize, oh no, I should have paid more attention to that stuff. So things like missed bills or forgotten subscriptions or not increasing your retirement contributions on a yearly basis because you just don't want to deal with that kind of stuff or think about it, or you have a bunch of cash piling up that you're really not doing much with.

33:11It's just sitting in a savings account. I see that a lot with type B people. Interestingly enough, uh, is they just keep saving in a savings account instead of investing their money. And that's a huge problem. Lifestyle creep can be one of those things where you're overly lax about spending and all of a sudden your lifestyle continues to creep up month over month, year over year. And all of a sudden you look back and say, oh my goodness, I'm spending three times the amount I was spending just a decade ago. Ignoring things like insurances, like if you didn't evaluate, if you need umbrella insurance, or if you didn't look at your car insurance and reevaluate, you could save money doing that.

33:41And so there's things like that that you could do. Never checking your investment fees, meaning you just do whatever they tell you to do and you don't really care. Or avoiding financial decisions because they're boring. That's a big one. And I think for many of you type B folks, sure, money is boring to you, or maybe it's a little more boring to you than maybe some type A folks, but you still want to make sure that you're optimizing for some things like that. See, the dangerous phrase for type B people is, I'll deal with it later. And that's not what you want to do. You don't want to deal with things later if you are a type B person.

34:12Instead, you want to make sure that you are just optimizing for this stuff. So what's the perfect way for a type B person to manage their money? Type A, we talked about the zero-based budget, type B people, we want you to reverse budget. The reverse budget means that you save and invest off the top. So you earn money and you save that money off the top, and then you spend what is left over. So let's say, for example, we use the same example as last time where you have$8 ,000 that you're spending. Okay. You have this$8 ,000 that you're spending in a given month and you save off the top, whatever percentage you feel as though you need to be saving.

34:45So if it's$8 ,000, you save 20%. That's 1600 bucks that you put towards your investments. Then all of a sudden, everything else,$6 ,400 that you have left over, you could spend that on whatever you want. Your housing, your food, your transportation, your eating out, it's all done. You just save it off the top. You spend what is left over. You don't have to spend time in the weeds or optimizing for every transaction or making sure everything is going the right way. I've had people we've coached the reverse budget to who have said to me, this is the best thing I have ever had happen to me in my life.

35:13And this is one of those areas that I think for many type B people, this is gonna be a light bulb moment for you. You may feel bad inside because you don't budget the way you feel as though you should. And you've tried budgeting over and over and over again. You failed over and over and over again. Well, guess what? The reverse budget's gonna solve that problem. Now, is it the most optimized? No, it's not the most optimized. But is it the best overall solution for you to make sure that you're still on top of your money and you're still investing your dollars and you're still saving your dollars?

35:43Absolutely. And I think for many type B people, once you realize that the reverse budget is something that you can put into place, it's really, really cool. But here's the other side of this coin, is for type B people, I want you automating every single aspect of your money. And for type A people, I want you to do this as well, but automation will change your life. And for anybody out there listening, it's gonna change your life. Because think about this for a second. You all of a sudden get paid and payday comes in, Money automatically goes to your 401k. Then money automatically goes to your Roth IRA.

36:17Then some money automatically goes to your emergency fund. Well, like, wow, I'm investing. I'm putting money in my emergency fund. I don't even have to lift a finger. All of a sudden, your bills, a couple days later, are getting auto-paid. Your credit card is getting auto-paid. That was paying your bills. Your sinking funds are getting automatically funded. And your remaining money just goes into your spinning account, which is your checking account. All of a sudden, everything just kind of works together so you don't have to think about it. That's what money automation does. You set it up once and then all of a sudden money gets automated over and over and over again.

36:47We just did a challenge at Master Money Academy on how to automate your money in one weekend. And the people that are doing it are just like, this is amazing. This is the best thing I've ever done. I just checked on my automations. They're all working perfectly. I didn't have to lift a finger. Everything's going where it's supposed to go. This is awesome. And it is because all of a sudden you can do things like making sure your dollars are going to the right places that you want them to go without actually having to lift a finger, without having to dive deep into spreadsheets and budgets. But instead, it just goes where you want it to go.

37:16So every single person who is interested in automating your money, I mean, check out Master Money Academy if you have not already. It'll be linked up down below. But we have a full course in there. We have the live classes in there that we just did that you can check out on how to automate your money if you haven't done so already. All right. But type B still needs something. Even if you automate your money, even if you do a reverse budget, you still need to check in on your money every now and then. So I would recommend a couple of different things. One is making sure you have a money check-in.

37:43If you do this with a spouse or if you're married or you have a partner or whatever else, I would make sure that I do this with my spouse or at least do have one person be the person who is identified as the check-in person. And the other person at least is just going to understand kind of where your money was going. But you want to check things like your account balances for 10 to 20 minutes a month. You want to check your credit cards, your upcoming expenses that are coming up, your savings goals, your investment contributions, and anything else that you want to make sure that's just checking off your list.

38:11Just really quickly. It doesn't have to be anything crazy. Do it on the day where you feel like you're most relaxed and you can get in there and check it for 10 minutes every month. Our automations, we usually want to check for about 10 to 20 minutes and kind of go from there. Then on the quarterly basis, you could check your net worth, your savings rate, making sure your contributions are going where they should go, making sure your subscription fees aren't crazy, and then just doing an insurance coverage auto where you can save some money there. You do those two blocks of check-ins, all of a sudden everything gets easy for you.

38:42You don't have to spend hours and hours every month on your investments or everything else. It should all be going to the place that you want to go. So this is what I want you to know for type B people, is there's ways that I want you to do the reverse budget and I want you to automate your money. Those are the two things that you can do. Now type A people may be looking down at type B and say, That sounds actually pretty awesome. Well, if you're type A and you want to try it out, it's worth testing because it is a much better life than spending all of your days in spreadsheets. But for most of my type A people, I know you like your spreadsheets just like I had for a long time.

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41:38That's PolicyGenius.com. All right, first, let's talk about Type A. I think type A, your danger when it comes to investing is going to be complexity. You might want to have something like a VOO plus a QQQM plus an SCHD plus a AVUA plus 11 individual stocks, which is completely fine if those holdings are rational and they're part of your plan. But here's what I want you to do is I want you to develop your own personal guardrails when it comes to investing. So I want you to put a portfolio in place and an investing policy in place, meaning you want to have a written investment plan on what you're going to do.

42:16And here's the questions I want you to answer, type A folks. What is your target allocation? What are you trying to get to? What's your asset allocation, meaning mix of stocks and bonds in that portfolio? What allocation should you have on hand? Should you have 80 % stocks, 20 % bonds? Should you have 90 % stocks, 10 % bonds? Should you have 100 % stocks? And of those stocks, What types of stocks? Is it going to be a total market fund and an international fund? Are you gonna add in some emerging markets? But you wanna answer those questions, okay? Secondly, is when and how does your portfolio get rebalanced?

42:51Because type A folks, you're gonna wanna rebalance your portfolio. I know you, I know how your personality is, I know what you like. And you're gonna wanna rebalance that portfolio to make it sure it's on hand. Third, under what conditions are changes allowed? How do you decide when changes are allowed and what should they be? I want you to write this out. And then I want you to give a list of things you would never do. One is panic sell. Two, things like chase a hot sector. Three, timing the market. Make a list of things you will never do so that you can stay on track when it comes to your investment plan, okay?

43:25So it's really, really important. Once you understand this and once you have this written out, then you come up with a rule change only happens to the policy, but it does not happen to your portfolio on a whim. and you want to make sure that you have all of this written out so that you create these guard rails for yourself so you're not just over optimizing and adding all these additional funds okay now for type b people when it comes to investing i want you to make it as simple as possible you could potentially look at things like target date with index funds those are wonderful for type b people you can do a simplified uh investment portfolio a warren buffett portfolio for example is a wonderful portfolio the simple path to wealth portfolio is wonderful for people who are type B folks.

44:04A three fund portfolio is wonderful for people who are type B folks. And in fact, robo advisors are great for people who are type B or a financial advisor who is a low cost financial advisor and a fiduciary. All of those are really, really helpful for type B people. So you don't have to think about it. You can automate those contributions and make sure that you are looking at what's going on. And a target date fund can handle those allocations. It can help you through the process. It can help you rebalance. It could give you a glide path. So It does it all for you. So the best portfolio isn't always mathematically, you know, the perfect portfolio.

44:39It's the portfolio that you're gonna consistently stick to and you're gonna constantly just automatically be investing every single month. Same amount, every single month. That's your goal, type B folks. Same amount, every single month in a low cost portfolio, preferably like an index portfolio, an ETF portfolio, something like that, where it's low cost and you can decide what works for you. So understanding a couple of different things upfront, understanding, hey, what's your investment plan? how are you going to automate it in there? And then understanding also long-term that you're just going to invest consistently the same amount every single year.

45:09You're going to increase that amount on a yearly basis so that you can keep up with inflation and outpace inflation. And every time you get a raise, you're just going to keep increasing the amount. If you do that, you'll become very wealthy without even having to think much about it. But you've got to understand what you're investing in and you've got to have a plan in place before you get started. Now, how should each money personality think about spending money? So that's investing, but how should they think about spending money? Well, type A a lot of times needs permission to spend. They need to think about their savings goals and everything else, and they need to give themselves permission to spend a little more.

45:39So I want type A people to create a couple of different categories to get started. First, I want you to create a fun money category. A blow fund is what I like to call it here. And it's the fund that allows you and your spouse and whoever else to spend money and blow it on yourselves. Make sure you compartmentalize or separate it if there's more than one person in the household who is going to be spending and do that that way. Secondly, I want you to create a vacation fund and I want you to start contributing money to that vacation fund and making sure that you're on top of it. Three, I want you to create a guilt-free spending as a family, meaning you go out and you could spend guilt-free without worrying, without stress.

46:14You don't care. You don't care how much this money you should blow that whole entire fund every single month. The whole thing goes for your family. And then number four is plan splurges. So long-term, you probably want to plan out your splurges. And I love that for you. I love that for me too, where if you want to spend a lot of money on something, you start to plan it out ahead of time and make sure that you are saving for that. And I think everybody should do this is let's say you want to buy a boat. Well, you decide, okay, well, a boat's going to cost me$20 ,000 or$30 ,000. And so you start to set aside X amount of dollars over the course of the next five years that you can buy that boat.

46:47Awesome. That's what I want for everyone so that you can make sure that you have this in place. Now for a type B person, If you're trying to figure out how to spend properly, you need some sort of spending plan or need some sort of just restriction parameters, guardrails in place so that you don't overspend in one different category. So having separate spending accounts from all the rest of your accounts can be helpful. And then you give yourself a weekly discretionary amount so that you can just spend X amount of dollars. And then you just automate all your transfers everywhere and make sure all your bills are on auto pay, your credit card limits are set, and you have these alerts in place.

47:19and then give yourself some of the rules like the 24 hour rule, for example, before you make a purchase, because a lot of you will make a purchase on a whim. Make sure you have a cooling off period, like 24 hours before to make sure you really want that item, especially if it's over 100 or 500 bucks. Making sure that you are thinking about it before you just buy something is really, really important. Now, here's a big question that I think a lot of people are gonna have. How can couples with opposite money personalities manage money together? Because this is usually what happens in a lot of relationships.

47:48relationships one person is the type a person and the other person is the type b person and they get married because opposites attract and all of a sudden you begin to clash with your partner or clash with your spouse because these different personalities are clashing together type a says you don't care about our finances i can't believe you won't even think talk to me about this or you won't think about this and type b says all you ever want to talk about is your money all you ever want to talk about is money with me i want to talk about fun stuff i want to talk about other the things that I want to do on hand.

48:19And neither person is necessarily correct, but type B usually does care about the outcomes. I want you type A folks to know this. And type A usually just wants to care about the process that gets them to the outcome. And then they also care about the outcomes. So here's what I would say is if you have opposing personalities in the same household, type A gets the visibility, meaning they are the person who is working on the visibility of your systems in place. If you're going to a deep budget, they get visibility and you are the person who creates the dashboards or whatever else. Do it to your heart's extent, but simplify it for the type B person.

48:54Type B gets simplicity to make the system very, very simple for them. You set it all up and they get the simplified version so that you can both agree on things. Now, both of you need to agree on savings rate. You need to agree on spending boundaries. You need to agree on major goals, major life goals. You need to do this together as a team. You need to agree on large purchases and you need to have a monthly money meeting. But the monthly money meeting for the type B person doesn't have to be this boring thing. Go out and get yourself a glass of wine or get yourself, you know, a nice bowl of ice cream or whatever your, whatever floats your boat and then get together and make this fun.

49:26Type A, let's not bring out the spreadsheets right away. Let's talk about the end goals. Let's talk about, have a conversation about what's going to happen. Talk about the dreams, talk about the outcomes. That's what type B wants to hear. Okay. Then you can get into some of the nitty gritty or the numbers. as you start to think about the big goals. Don't force type B spouse to maintain a 47-page spreadsheet. Instead, you want to make sure, type A, that you're making it easy for them, and that's how this is going to work. Hey, sometimes in relationships, it's 75-25. It's not 50-50 almost ever. And so type A, since you are that way and you want this outcome to work out well, and type B also wants this outcome to work out well, give a little more.

50:03You're just going to have to give a little more. That's part of the name of the game. And once you feel good about that, And once you release the frustration that you're doing all the work, all of a sudden it's gonna get a lot easier for you. I promise you, it's not a big deal. Type B probably does more work in other areas, okay? Now, what about a hybrid system? What if you're a little bit of both? Type A, manual, type B is automated. That's kind of how we've seen, kind of talked through this as we've gone on here upfront. But that's not always right. I think you can automate as a type A person and really get down and optimize all the way down to the penny.

50:35In fact, that's what we do in Master Money Academy. I think you could be someone who kind of enjoys spreadsheets as a type B person and still be a type B person. But you got to figure out what you are doing and how you're thinking about this. So if you are a hybrid methodology, pick out the things that work best for you, but make sure you're covering all the major areas so that you're on top of this stuff. If you are type A with your budget, but type B with your spending, great. If you're type B with your budget, but type A with the way that you want to spend your money and you want to optimize, great.

51:06but identify that for yourself and then create a hybrid system that works for you. So here's what I wanna hear from every single person out there is if you are type A, I want you to let me know down below and why. If you say, hey, I'm type A because I love spreadsheets and I love to optimize and I wanna squeeze every dollar towards the place, let me know in the comments down below on Spotify or YouTube or Apple Podcasts or wherever else you listen. Or if you're type B, tell me that and let me know why. I want to hear from every single one of you. We might read some of these comments on a future episode.

51:39So we'd love to hear from each and every single one of you, which one you are. And if you're in Master Money Academy, let me know which one you are. And if you want help on something, please let me know inside Master Money Academy and I will help you through whatever you need to know, because I would really, really appreciate you guys and want to dive deeper into that. We'll probably do some stuff, by the way, Master Money Academy members on this so that you can help identify that money personality, which one you are, if you're still struggling with it. So let me know down below which one you are.

52:06Listen, I hope you got a ton of value out of this episode. I truly appreciate each and every single one of you. Again, if some of you want to work with me one-on-one, let me know, shoot me an email. There will also be a link down below that you can fill out a form. You have to apply to get in. But if you do want to work with me, let me know, shoot me an email, and I will get back to you with some more information on that. I truly appreciate each and every single one of you. Thank you so much for being here. I hope this gave you freedom. I hope this was freeing for you so that you understand, oh, that's who I am.

52:37I'm a type B person or oh, that feels so much better than I'm type A. And now that I know that, I can make some different decisions because that was freeing for me and it was super helpful for me to understand exactly where I stood. So thank you guys so much for being here. I truly appreciate each and every single one of you and we will see you on the next episode. And make sure to share this with a family member or friend. Truly appreciate it, bye.