You’re a saver, risk taker

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!

Risky Ricky

Secondary Personality


Your child’s secondary Money Personality is Risk-Taker! Risk-Takers love new ideas! You may notice your child constantly brainstorming about what they can do next. This may come across as being easily distracted, but it’s just their Risk-Taker side seeking the next adventure! They make decisions quickly and don’t factor in the cost or possibility of failure. They just GO FOR IT!

Ricky is a daredevil in the making! His dream is to be Hollywood’s next great stuntman, like Jackie Chan and Bruce Lee. He loves taking risks and making daring feats. Whenever he gets money he likes to spend it on what looks like the fastest and fanciest racing bikes, regardless of their quality. Sometimes his purchases work out….and sometimes they don’t. Ricky always tries again but he’s tired of not seeing a return of his money. To make sure Ricky chooses his next bike wisely, his big sister is going to help him do some research on the ones that catch his eye so he can make a wiser and better decision.



A Friendship is born…

Penny enjoys saving her money and painting new pieces of art! Penny’s friend, Risky Ricky has quite a different personality. He lives for the thrill of life and takes many risks when he makes purchases. It’s hard for the two friends to understand each other. Penny doesn’t know why her friend, Ricky, wants to spend all of his money on flashy bike parts that may not last. While Ricky doesn’t understand how Penny is able to save up so much of her money, and resist the urge to buy things that interest her. Penny and Ricky see that they have very different techniques when it comes to money, but they still want to try and learn from each other’s opposing money personalities. Penny learns from Ricky how to take more risks. The next time that Penny went to the store, she decided to purchase a new brand of paint brushes that she never tried before, and ended up loving them! Ricky gets advice from Penny on how to make the best use of his money. She shows him how to research bike parts and compare prices in order to not only get a better deal, but better quality. Penny and Ricky may be different, but nevertheless, they appreciate one another’s qualities!

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.