Knowing the characteristics of the four major money types can help you serve clients better:

o Hoarders. Those who think that money is security and spending money on immediate pleasure is bad

o Spenders. Those who hate to budget and love to spend on their immediate desires

o Money worriers. Those who are constantly beset by anxiety that they can’t control their money or don’t have enough of it

o Money avoiders. Those who avoid dealing with the details of their moneylife