You’re a spender, saver

Sophie Spender
Primary Personality


Just like Sofie, your child’s primary Money Personality is Spender! Spenders are carefree with their money. They aren’t concerned about how much money they spend or who they spend it on. They love to take care of people! You may notice your child when there is candy involved. They jump right in, not thinking twice to save some for later. This is their Spender side taking charge!

Sofie is an aspiring dancer. Ever since she was little, she has dreamt of going to The Juilliard School for dance. Sofie struggles to save for her dream school because she has SO many wants. She sees new dance shoes in a window and has a deep need to go buy them as fast as she can. There isn’t anything wrong with Sofie – that’s just part of who she is! It does make it hard for her to achieve her future goals, but don’t worry! Sofie’s mom is helping her to make a piggy bank that Sofie can put some of her allowance into each week. Through careful planning and encouragement from her friends, Sofie will eventually be able to achieve her goals.

Penny Saver

Secondary Personality


Your child’s secondary 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 hard 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!



A Friendship is born…

Sofie has a passion for dancing, but whenever she has a new dance recital coming up, she spends all of her savings on new shoes. Sofie’s best friend is Penny Saver. They love to have sleepovers together, but when it comes to money, they are the exact opposite. Sofie loves to spend her money as soon as she gets it, while Penny will save as much money as she can. Penny is a true artist, so she knows that for her to have enough money for new art supplies, she will have to save up and be extra careful with her spending. That’s where Penny’s money personality enters. Penny, being the great friend that she is, decided to bring over some matching piggy banks for her and Sofie to paint together! While they were painting, Sofie brought up to Penny that it’s okay to spend money on special things every now and then. After their conversation, Penny takes Sofie’s advice and allows herself to buy quality paints and brushes from the store. Now Penny realizes that if she only ever saves her money, then she won’t be able to make enough pieces of art to showcase in her studio! On the flipside, Sofie now understands that sometimes it is better to save up her money in order to get something better down the road, instead of impulsively buying what she wants.

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.