“Did you know there are six money personalities?” says TMAP CEO and Founder Massey Archibald. “Today, we’re breaking down what each one looks like — and what it means for your Wealth Game.”

Understanding your money personality helps you see how you relate to money — how you earn it, spend it, save it, and even how you think about it. There’s no right or wrong personality, but if you don’t understand yours, it can quietly control your financial results.

🛍️ 1. The Spender

It’s in the name. The Spender loves to spend money. For them, money is a tool for living life now.

They’ll happily use every dollar to enjoy the moment — and stand proudly at zero at the end of the week saying, “My work here is done.”

But there’s a catch: spenders often have low financial accountability and little visibility on where their money goes.

💰 2. The Accumulator

The Accumulator is the opposite. They love holding on to money. Saving gives them a sense of control and security.

They’re highly organised but can sometimes take the fun out of life — the type to ask, “What was that $3.42 transaction for on Tuesday night?”

Accumulators are excellent at managing finances and building savings, but they can struggle to enjoy what they’ve earned.

💳 3. The Borrower

Everyone knows a Borrower. They show up when they need help — usually financial help — but disappear when you do.

Borrowers often live in a cycle of short-term fixes, leaning on others for support instead of solving the real issue. They’ve learned that the fastest solution to a money problem is using someone else’s money.

They’re not bad people — just caught in a pattern of dependency that limits financial growth.

👨‍👩‍👧 4. The Provider

The Provider loves to take care of their family. They see money as a duty — something to earn and hand over with pride.

But here’s the thing: a true Provider doesn’t manage the money. They earn it, then pass it on to their spouse or partner to handle.

“If you earn and manage the money, you’re not a Provider — you’re an Accumulator in disguise,” Massey says with a grin.

🎁 5. The Pleaser

Pleasers are generous, kind-hearted, and love making people happy — sometimes too much.

They use money to create positive impressions and strengthen relationships, but they often give beyond their means, even borrowing to give.

Their generosity looks noble, but it can drain family finances and create long-term stress.

📚 6. The Learner

Finally, the Learner — the most balanced of all the personalities.

Learners understand that money has seasons. There’s a time to spend, a time to save, a time to give, and a time to grow.

They’ve mastered how to switch between these traits strategically — using each at the right time to build wealth.

They’ve been playing the Wealth Game long enough that their financial “surprises” are always positive:

“Babe, I forgot to tell you — we’ve paid off the mortgage.”
“We’re ready to buy our next investment.”
“We can finally take that holiday — the money’s sorted.”

Learners are proof that financial knowledge and discipline create freedom.

🧠 The Deep Dive: Control Freaks, Takers & Givers

🔒 The Control Freaks

Both Accumulators and Spenders love control — but for different reasons.

  • Accumulators control funds to save and protect it.
  • Spenders control funds to use it freely, often hiding their spending behind “low accountability.”

🤲 The Takers

Borrowers and Spenders are the biggest takers.

  • Borrowers take from others to fix their money problems.
  • Spenders take control of the money so they can use it how they like.

❤️ The Givers

Pleasers and Providers give freely — but again, for different reasons.

  • Pleasers give to be liked or admired.
  • Providers give because they see it as their role or responsibility.

📈 The Best (and Worst) Money Managers

  • Best: The Learner and the Accumulator.
    • Learners know how to balance, adapt, and build assets.
    • Accumulators keep spending in check and grow wealth steadily.
  • Worst: The Borrower, Pleaser, and Spender.
    • Borrowers rely too much on others.
    • Pleasers give too much away.
    • Spenders lose track of where the money goes.

🎯 The Goal: Become a Learner

The goal isn’t to change who you are overnight — it’s to become aware. When you understand your personality, you can make smarter decisions and start playing the Wealth Game at a higher level.

“The Learner knows when to be each of the others — that’s the key,” Massey says. “Because when you master your money habits, you master your future.”