We all have a relationship with money, and for most of us, it’s... complicated. Habits and beliefs picked up from our parents, cultural norms, lifestyle, goals, values, fears — it all adds up. The result? Your money personality: how you think, feel, and act around your finances. And yes, it probably developed way before you ever opened your first bank account.

It impacts a lot: how you stick to (or run from) a budget, where your paycheck goes, how likely you are to make late-night impulse buys or prioritize low-cost meal prep, and if or when you reach goals like a hefty emergency fund or a down payment.

So, how does your money personality affect the way you save? And more importantly, how do you work with your natural tendencies instead of against them?

The truth is, there’s no one-si

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