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
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