You’re a saver, flyer

Penny Saver
Primary Personality



Just like Penny, your child’s primary Money Personality is Saver! Savers tend to focus on their goals and don’t let fleeting desires get in their way. You may have noticed that when your child wants something – be it a toy, game, treat, or achievement – they plan to make it happen! This usually means saving up allowance or gift money to buy the toy they really want, training to make the soccer team, or studying hard for good grades. Savers really understand the steps it takes to reach their goals.

Penny is an artist. She loves spending her days painting and sculpting away in her studio. She dreams of opening her own gallery one day and works hard to save up for it, putting all of her money straight into her piggy bank. However, this can cut into her art supplies fund. This means that when Penny needs more paints or clay, she goes without in order to not spend any of her money. There isn’t anything wrong with Penny – that’s just part of who she is! In order to help her get her supplies, Penny’s dad is helping her to find the best sales and discounts whenever she needs something new!

Francine Flyer

Secondary Personality


Your child’s secondary Money Personality is Flyer! Flyers love going with the flow! You may notice that your child isn’t too concerned about their money or what happens to it. They prefer to “fly by the seat of their pants” when it comes to handling their money and may even ask you to hold onto it for them. Flyers don’t really plan for their money, they just focus on what kind of happiness that money can buy.

Francine is easy-going and carefree. She prefers to go with the flow in all aspects of her life, rather than sitting and making plans. She gives any money she receives to her dad for safekeeping and mostly sticks to her own routines.

She doesn’t think about money much but rather on how the things money can buy make her feel. Does the ice cream cone she gets after handing the cashier her money make her happy? Then that’s what Francine is all about! Not thinking about her money often makes Francine forget how much she has and how much she needs to be able to buy things. To help keep her on track, Francine’s dad is going to teach her how money works and what she can do with it. This way Francine can still do what makes her happy but have a backup plan too.



A Friendship is born…

Penny spends most of her days creating paintings and sculptures in her art room. When she isn’t painting she is focused on saving her money! She gets excited when she can find a good deal on art supplies since it means she can save her money. Penny’s best friend, Francine Flyer, is more of a free-spirit when it comes to her money mindset. Penny and Francine love going out for ice cream together. Although, sometimes Penny would rather save her money than to use it to buy a cone. This often leaves Penny feeling left out. Francine on the other hand, will spend her money to buy an ice cream cone if she knows it will make her happy, and even buys Penny’s for her sometimes. Francine teaches her friend, Penny, that it’s okay to allot money to spend if it means furthering a relationship. The next time Penny and Francine hang out, Penny wants to try something new and take Francine’s advice by getting herself a cone without worry, and buying Francine’s too!

Help grow your child’s financial brain

  • 1Sit down with your child and talk to them about wants and needs. Explain that needs are the priority and their wants can be saved for!
  • 2Give your kids an allowance of some sort! It will help them grasp how to save, spend, and share their money.
  • 3Allow them freedom with their money, but do give them some tips. We want to let them have their own money personality and not feel bad about it, but learning aspects of other types will help later on in life.