Listen Money Matters - Free your inner financial badass. All the stuff you should know about personal finance.

By ListenMoneyMatters.com | Andrew Fiebert and Matt Giovanisci

SHOW DESCRIPTION

Honest and uncensored - this is not your father’s boring finance show. This show brings much needed ACTIONABLE advice to a people who hate being lectured about personal finance from the out-of-touch one percent. Andrew and Matt are relatable, funny, and brash. Their down-to-earth discussions about money are entertaining whether you’re a financial whiz or just starting out. To be a part of the show and get your financial questions answered, send an email to listenmoneymatters@gmail.com.


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EPISODES LIST

Your Money Modus Operandi

Maybe you shop too much or are afraid of investing. As it turns out, it’s mostly your personality that guides how you deal with your finances. We call it your Money Personality and we want to break down what the four personality types are and how you can lean into them to improve your finances.Your money beliefs shape your decisions. So by understanding or recognizing your money personality you can find your weak spots and fix them as well as improve on your strengths. Knowing what drives your financial decisions can help you reach your money goals. Show Notes:Come to our Listener Appreciation Party at The Winslow on December 13th at 5pm ScorpionBowlIPA - Stone Brewery. To create a recipe so tropical and fruity without the addition of fruit was no feat our team of brewers would leave up to the gods. They took floral and citrus notes from Mosaic, Loral and Mandarina Bavaria hops to dish up a mouthwatering fruit punch to the palate. Get deserted on your own island or share with others. One thing is for sure: there is no need to light this one. It is already on fire.Shelter- Outer Range Brewing Co. is focused on brewing the great styles of craft beer that inspire us—Belgians and IPAs—and will strive to become a place and source of inspiration for the people that choose to leave the life below. Money Habitudes - Money Habitudes is an engaging, non-threatening way to help people recognize patterns and perspectives on money.Listen to Advanced IRA Strategies

12.10.2018
12.03.2018
11.26.2018

Five Questions: Vesting, Budgeting Styles and Starting a Blog

This weeks we are covering five listener questions are on vesting, budgeting styles, starting an opportunity fund, IRA's and starting a blog.Question One: Balance between the spender and the saverWhat I struggle with the most it getting my spouse to follow the budget. I have tried mint, and YNAB and a cash envelope system. How do I get her to follow a budget. Or maybe how do I 'trick' her into it? I'm not going to leave my spouse because of some money issues that don't cause us negative effect. We just aren't making gains in our life. What happens when your partner has a different view on budgeting that you do? How do you find a system that works for both styles?Question Two: Starting a BlogBetter to start a blog sooner or wait till there is more content? Start now with 1 article, or wait 2 months and start with 15?Question Three: IRA’sNow a days people tend to make more and more lateral movements in their profession, collecting more and more IRAs. I was wondering if there was any research out there that suggests that merging IRAs to a currently higher performing IRA tended to outperform keeping a more diversified portfolio.Question Four: Opportunity fundAndrew has described the concept of an opportunity fund and has also mentioned that this current bull market run may be due for a significant correction. I am 31 and currently have a 90/10 stock/bond split in my Betterment account. If its more likely than not that a correction hits the stock market soon and prices drop, would it be prudent to slide my Betterment portfolio to a more conservative stock/bond ratio (say 60/40 or 50/50) in advance of this future correction. This would sort of be like a hedged "opportunity fund" within my Betterment account, and this extra money in bonds could then be used to buy more stocks once the correction has fully hit and stock prices are low. What do you think?Question Five: VestingMy employer enrolls all employees in an ESOP (employee stock ownership plan). Essentially, every year, each employee will receive a percentage of their base salary in stocks of the company, depending on how well the company does that year. After I have worked for the company for so many years I become fully vested in the stock I have been given. Before that time I am only partially vested (20%, 40%, 60%, 80%). Once I retire or leave company I will be forced to sell the stock back to the company at my vested percentage, I can't do anything with the stock before that.My question is how would you incorporate an ESOP benefit into your Financial Blueprint?

11.19.2018
11.12.2018
11.05.2018

How to Make Passive Income a Reality

There is a lot of chatter in the personal finance world about passive income, why you need it and how great it is. But what is it and why is it such a topic of conversation? Passive income is money that you earn without doing much to make it. Some passive income ideas take a degree of upfront work to earn, like writing an e-book and some don't take any effort at all, such as investing with a robo advisor. Today we talk about what exactly passive income is and understanding the non-passive nature of building it.Full Article HereShow Notes:Seated:  You nee to use Seated to book restaurant reservations. Every time you complete a reservation, you get a gift code for up to 25% of your bill that you can use at Amazon, Uber, or Starbucks. The rewards are available within 24 hours of your completed reservation. Laura and I almost exclusively eat out with Seated because it saves us so much.Paribus: Receiving refund checks are our favorite past-time. As it turns out, stores owe you money but they don’t pay if you don’t ask. That’s where Paribus comes in – they go to bat for you. Price drop? Get cash back for the difference. Deliveries arrive later than advertised? Get cash back.Fundrise: Did you know that investors with 20% allocated to real estate outperform those who only invest in stocks and bonds? Diversify without the dramatics of actual tenants. The minimum investment is $500.Lending Club: The banks had a monopoly on personal loans until Lending Club came along. Now you can get a loan sourced from normal people. Reduce the cost of your debt and refinance. Lending Club has competitive rates and borrower benefits.Drop: Earn cash rewards from your favorite brands. Drop is the free app that's giving out millions in cash rewards for the spending you do everyday. BizBuySell: BizBuySell is the Internet's largest and most heavily trafficked business for sale marketplace, with more business for sale listings, more unique users, and more search activity than any other service. BizBuySell also has one of the largest databases of sale comparables for recently sold businesses and one of the industry's leading franchise directories. 

10.29.2018
10.22.2018
10.15.2018
10.08.2018
10.01.2018

Woman and Money with Suze Orman

Women face different money issues than men do. Suze Orman literally wrote the book on the subject with her latest, Women & Money. If you’re interested in personal finance, you know who Suze Orman is. She has written nine best-selling books, is a financial advisor, a speaker, and a television and podcast host. Suze’s book Women & Money addresses some of the financial issues that are unique to women. A Nature to Nurture While many personal finance issues apply to everyone, women sometimes face unique challenges. Women will do anything to take care of their families which often means they put themselves last. Remember when we talked about putting your own oxygen mask on first? If you aren’t taking care of yourself, you can’t be as capable of taking care of those around you. Your family leaves for the day immaculately turned out, healthy lunch packed but what about you? If we learn to look after ourselves as well as we look after our families, we will be better, and our families will be stronger. Getting What You’re Worth Sometimes women undervalue themselves in the workplace. They don’t negotiate when offered a job; they don’t ask for a raise, they don’t charge clients enough. I’m guilty of this, and maybe some of you are too. I’m so afraid of being told “No” that I used to charge less than my work and my time was worth. Andrew who has given me a lot of great advice about a lot of things broke me of this when he told me, “$100 isn’t going to change your life. $1,000 might.” What he meant is that whether I charge $100 or $1,000, the amount of work I do is the same. And like everyone else, I only have so much time. So for the time I have, do I want to make $100 or $1,000? The other advice that helped me was from a guest on the podcast, Josh Doody. People sometimes just take whatever offer they get because they think if they negotiate for more, they’ll be told “No” and the next candidate will get the job. But whomever you’re dealing with wants you! They offered you the job over everyone else. Not only do they want you, but they are also expecting you to negotiate. From a Place of Power Without certain things in place, it’s much harder to approach issues like these from a place of power. If you’ve been out of work for months, you’re going to be so grateful to get any job, that you jump on it and accept whatever offer they give. When you badly need your job because you live paycheck to paycheck, you might be afraid to ask for a raise or to walk away when a deserved raise is not forthcoming. Suze believes we can achieve the power we need to demand the things we want (whether they be more money or more respect) when we don’t have credit card debt or student loan debt, when we do have an eight-month emergency fund (we say six is sufficient), when we do have maxed out retirement accounts, we are more likely to refuse to take “No” as an answer. Or Fake It Suze told an interesting anecdote that further confirmed a theory I have about being sexually harassed in the workplace. Suze had a boss with a reputation for bedding female staff. Before he even had a chance to proposition her, Suze marched into his office and told him if he treated her disrespectfully she would cut his pecker off! At the time,

10.01.2018
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08.27.2018
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08.06.2018
07.30.2018

401ks, FOREX, Cash, Rentals, and Leveraged Buyouts: Five Awesome Questions

If you want to know about 401ks, cash, rentals, and leveraged buyouts, we’re covering it with five awesome questions from you. We have awesome listeners, and they send in great questions so from time to time we like to do a five questions episode. Question One Just found you guys a couple of weeks ago and have listened to several episodes. I am trying to increase my personal financial knowledge, and I have enjoyed your podcasts. Maybe my question will  make it onto a future five awesome questions episode. My employer offers a 401k, and we have the option of either putting it into a Fidelity or TIAA account. Initially, I thought I would go 50/50 with each. However, in my mind, it seems that having it all go to one account will be better because there is a larger lump to gain interest on. However, if both companies perform the same, would the 50/50 strategy yield the same amount of gains over the long term? Thanks, Jason from Utah We believe in keeping your finances as simple as possible and having two 401ks makes things more complicated than they should be. Take a deep dive into both funds. One may have a better selection of investments than another, but often you’ll see a lot of crossover. The main decider should be the fees. Investment fees can eat up a huge chunk of your wealth over time. Blooom can show you how healthy your 401k is and Personal Capital can show you exactly how much you’re paying in fees and the long-term implications. Question Two Hey guys!!! I’m a new listener to the show, and honestly, I love the content that I hear on every episode. I met an individual who is involved in FOREX trading. He gave me a lengthy elevator speech about how it works and how he makes X-amount of money doing it, and I should come to his event that he hosts to further explain Forex trading. Do you have any suggestions about this particular investment? Is it worth the time for me to go tomorrow or should I just skip it and do more research on how I can reduce my credit card debt? I searched on your website and didn’t see this so maybe you guys could cover this on your show? If not, it’s cool. Keep up the great work and look forward to hearing what you guys are drinking next!! P.S- if I want to start looking into drinking beer, where would be a good place to start? Also, if I want to look into HEALTHY beer, do you have any suggestions? Babatunde Shekoni Paying off credit card debt should always be your priority. There is no investment that is going to make up in returns what you’re paying on credit card interest. Anyone who invites you to a seminar is either a sucker or a scam artist. Do not attend! FOREX means foreign exchange. You can buy one currency and sell another. This is the opposite of our set it and forget it investing strategy and almost a sure way to lose money. If you’re new to beer, go to a brewery and order a flight. You’ll get several sample sized glasses of different beers so you can try each and start to get a sense of what you like. If by healthy you mean won’t get you drunk quickly, look for a low ABV beer. Founders All Day IPA is just 4.7% alcohol by volume. If by healthy you mean a gluten-free beer, try Omission. All their beers are gluten-free. Question Three Hi! My questions lie in the fact that my business is teaching yoga and most of my income comes in the form of cash.

07.30.2018
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05.28.2018
05.21.2018
05.14.2018
05.07.2018

What To Do After a Job Loss

The worst has happened. Whether their fault, your fault or nobodies fault, you lost your job. We don’t want to make a bad situation even worse by making big financial mistakes. This is what to do after a job loss so you can stay or get back on your feet quickly. We have all probably suffered a job loss at some point so we know how scary it can be. But there are lots of things you can do to mitigate the damage. Preparing for a Job Loss Sometimes you can see the writing on the wall. Whether you’ve been slacking off at a job, you hate and know the ax is about to fall, or the company is showing signs of distress so dire that you can see it’s about to go under, sometimes you know you are about to lose your job. This is how to prepare for the inevitable. Emergency Fund This is exactly what an emergency fund is for. If you don’t have one, or your’s is a little skimpy, start beefing it up. Before the end comes, you want to have two to six months of expenses saved up, depending on how confident you are in your job prospects. If you are going to save a few months worth in addition to your current emergency fund or are starting from scratch, don’t invest that money. Because the need to dip into your emergency fund is rare and it’s a big chunk of cash, we recommend, although not without some controversy, that you invest your emergency fund somewhere like Betterment. It’s too much money to have sitting in a low yield checking, or savings account for years on end. But you are going to need to live off this money in the very near future so it needs to be somewhere readily accessible which means your checking account since you will be paying bills and other everyday expenses with it. Update Everything Even if you are thrilled and secure in your job, you should update your resume once a year. You never know what opportunity might cross your path and you want to be ready for it. If you have recently completed a big project, update your resume to include it while it’s fresh on your mind. Keep your LinkedIn profile updated as well. And while you’re at it, ask for LinkedIn recommendations from the people at your job (or past positions) who think you’re fantastic. It’s always painful to ask but just do it, most people will agree and may even ask you to do one for them which makes the whole process feel less needy. Google Yourself Nearly all potential employers are going to Google you and what they find might be embarrassing. If you have a Google account, you can control what comes up under your name if you control the content. If you do not control the content, you may still be able to have it removed.  Know Your Worth Understand your worth in the job market. You can use sites like Glassdoor and PayScale to see how much others in similar jobs and similar locations are being paid. Take a look at Indeed to see how many openings there are for your job. If there is not a lot of demand for what you currently do, you may need to learn some new skills that are in demand. This doesn’t mean you have to go back to college or spend a ton of money. There are a lot of free or low-cost sites that will teach you new skills like Udemy and Coursera. After the Loss Okay, now it’s happened. You are officially unemployed. These are your next steps.

05.07.2018
04.30.2018

Five Awesome Questions From You

Today we answer five awesome questions from you about LLCs, winning the lottery, budgeting an irregular income, Roth rollovers, and buying quality. We get a lot of questions from listeners, and sometimes they are so good, we want to share them with everyone. Today we picked five questions we thought everyone would like an answer to. Question One Hi guys, Love listening to your podcast and you guys have helped me so much and given me so many great new ideas. In fact, I’m writing to you about one of them. I remember you said that when buying a rental property, to buy it as an LLC. My question is, do I set up a new LLC for each new rental property? If my goal is to own 10, do I then have 10 LLCs? Sincerely, Entrepreneur Jane in the making A purist might use individual LLCs, but that can be a lot of aggravation and cost. Instead, we use the $250,000 threshold. If you have a single property valued at that or higher, it should have its own LLC. If you have two properties, one valued at $100,000 and the other at $150,000, they could be under a single LLC. Owning rental property under an LLC insulates your personal assets from risk. There are also lots of everyday tax benefits to having an LLC! Question Two Hey guys, Huge fan of the podcast. Wednesday is the CT Powerball up to $1.3 billion (Jan 2016). If you won what would you do with it all?  James Andrew and Thomas both agree that they don’t want money they haven’t earned so they would give the money away to charity and use it to fund research. And they may be onto something. Lottery winners don’t tend to live happily ever after having responsibly invested their winnings. They often end up back where they were before they won or even worse off. Question Three Hi LMM, My question is about budgeting without a regular paycheck. Our income is seasonal (fishing in Alaska and self-employment), and we don’t really know how much we are going to make until it’s made, how should I modify the budgeting tools to work with this and how best to make that money last all year? Thanks, Mary When your income is seasonal, you need to make your budget based on a longer time scale than is traditional. Most people can budget month by month but for you, budgeting for a year makes more sense. Take a look at how much you have made for the past five years and get an average. Let’s use $50,000. Take that amount and divide it by 12. That gives you a number for a montly budget. You have $4,166 to spend each month. If your income varies wildly, one month you make $10,000 and the next $500, it doesn’t matter. You still spend the same $4,166. It may help to put up spending firewalls for yourself. Everything over a specific dollar amount (set by you) gets put on a 30-day list. At the end of 30 days, if you still want it, you can buy it. Chances are though; you won’t even remember that you wanted whatever you put on the list. Another good firewall is to lock up some money in a six month CD. You’re making a little more than you would get with a savings account and the money is harder to get to. You can withdraw it early, but you will pay a penalty. Question Four Hi Andrew and Thomas, I have been listening to your show now for almost a year. It has really helped me get on an even better page when it comes to my personal finances. I am 25, and I am in a long-term relationship and working on managing our finances. I had a financial adviser through a friend with an internship at a firm a few years ago.

04.30.2018
04.22.2018

The Truth Behind The 10,000-Hour Rule: How to Become Great at Anything

There is a lot of misinformation about the 10,000-hour rule theory of self-improvement, and it turns out now all 10,000 hours are the same. We delve into the truth behind the 10,000-hour rule and show you how to become great at anything. The 10,000-hour rule is not really about the number of hours you put into something; it’s about deliberate practice. If you want to become great at anything, it matters more how you practice than how much you practice. What is the 10,000-Hour Rule? The 10,000-hour rule has been a topic of scientific research since the 1970’s but it came into the mainstream when Malcolm Gladwell wrote about it in his book Outliers. The rule is based on research into the abilities of top performers in various fields like mathematics, chess, tennis, swimming, and music. The research shows that for the overwhelming majority of experts who reach the top of their fields (for instance, chess grandmasters or great composers) have spent a minimum of ten years acquiring and honing their skills. The few who are exceptions to this rule are found to hit their expert status in year eight or nine of their careers—not far short of the average. So being a prodigy with a “gawd given” talent is just a myth. 10,000 hours works out to be around 20 hours per week for ten years. Ten years is a long time but 20 hours a week isn’t so bad especially when you consider the average American watches five hours of television a day. Deliberate Practice The problem with the popularity of this 10,000 hours idea is that it’s often misunderstood as “any 10,000 hours” spent on your skill or craft. But not all practice is the same: there’s a big difference between mindless repetition and what scientists call deliberate practice. A fascinating exception to the 10,000-hour rule is Magnus Carlsen, the youngest chess player ever to reach a number one world ranking. Carlsen played computer chess to amass a huge amount of deliberate practice in a short period of time—so, although it seems as if his talent is innate because he reached expert level at such a young age, what he really did was accelerate his learning process by focusing on the right type of practice all the time and by getting constant feedback.  “ Perhaps the greatest difference between deliberate practice and simple repetition is this: feedback. Anyone who has mastered the art of deliberate practice—whether they are an athlete like Ben Hogan or a writer like Ben Franklin—has developed methods for receiving continual feedback on their performance.” Part of the reason deliberate practice is so important is that it helps us to encode information about what we’re learning more carefully. Research has found that one of the significant differences between highly skilled experts and amateurs is how well information about their field is categorized in their brains. Top-level experts can access relevant information faster and more reliably, due to spending time in highly-engaged, deliberate practice of their craft. 3 Types of  Deliberate Practice Thomas recently wrote an article detailing how to learn any new skill quickly. He breaks down deliberate practice into three stages. The Cognitive Stage: This is the first step when learning a new skill. You’re practicing and making mistakes. The Associative Stage: You’ve had enough practice to see where you are making mistakes and to correct them. It’s at this stage that getting the quality feedback we spoke about earlier is important if you want your skill level to progress. Autonomous Stage: When you reach this stage, you can almost perform the skill on auto-pilot. You aren’t a master yet and maybe you never will be but you have become competen...

04.22.2018
04.16.2018
04.09.2018
04.02.2018
03.26.2018

Don't Get Hacked: 9 Ways To Improve Your Online Security

Your whole life is online, and that leaves you vulnerable. You need to lock your stuff up! Don’t get hacked; 9 ways to improve your online security and protect your money. When we think of online security, we usually think about things like our bank accounts and other financial data. But there are so many other ways a hacker could destroy your life. And it’s easier than ever for them to do it, so it’s important to keep your information safe. Money Tips Of all the things that hackers could go after, our money is the scariest, so we need to be especially vigilant with our financial data. Online Purchases Use credit cards or PayPal when you’re shopping online, never a debit card. A credit card is the bank’s money, and if a hacker gets the number, you can just notify the credit card company, and they take it from there. You haven’t lost anything. But a hacked debit card is your money. You do have some protections. The FTC and Federal Reserve have rules to limit your loss to $50 provided you notify the bank within two business days after learning of fraud. But you could lose as much as $500 if you do not tell the card issuer within that time frame. These protections have their limits though. If you don’t report an unauthorized transfer that appears on your statement within 60 days after the statement goes out, you risk unlimited loss on transfers made after the 60-day period. That means you could lose all the money in your account plus your maximum overdraft line of credit. Even if you quickly notify the bank and they correct the situation, it can take a few days. A few days during which you will have no access to your bank account so you can’t pay bills from it or withdraw cash. While we should check our bank statements regularly, many of us don’t so by the time you notice a problem, it could be too late. I don’t check mine often, but luckily, I use Trim. This month, Trim sent me a Facebook message that my rent had been debited from my account twice. I was able to immediately remedy this, but if it weren’t for that notification, it could have been several days before I noticed. Turn On Purchase Notifications You can set up alerts on most credit and debit cards to send you notifications immediately after a purchase. You can set a threshold, any purchase over $X but you should really set it up for all purchases. It can get annoying but not as annoying as trying to clean up after a hack. And really, how many times a day are you using your cards? Monitor Your Credit You can get a free credit report from each of the three major reporting agencies every 12 months at through this link; it’s free. But you should really check your credit report about once a month. Credit Karma lets you do it whenever you want, for free. Many people think Credit Karma is just a place to get your credit score, but you can see your report there too. You want to look for any new accounts in your name that you did not open. Credit Karma even sends you an alert when this happens. When my landlord changed online rent payment companies, and I made an account with the new one, I got such an alert from Credit Karma. Traveling Foreign tourists can be an especially ripe target for pickpockets. Pickpockets aren’t sophisticated computer hackers, but if one of them gets your wallet, they could get access to a lot of sensitive information. If you’re afraid of your own shadow, you can carry a decoy wallet and toss that at any l...

03.19.2018
03.12.2018
03.05.2018
02.26.2018
02.19.2018

Five Awesome Questions From You

LMM loves listener questions. If you’re wondering, other people are too and doing a five questions episodes allows us to reach more of you. Today we have five awesome questions from you. Today we will answer your five awesome questions about individual stocks, student loans, the 4% rule, You Need a Budget, and investing 101. 1. Hey LMM! I have a question about investing. I am using Betterment right now and hoping to start a Vanguard account soon. If I own VTI in Betterment and I own VTI in my Vanguard, is there any point to buying single stocks in Apple or Amazon or another company that is in the VTI fund since I already own those companies in my VTI funds? KaeLee There are some pros and cons to each. A good reason to own shares in a company outside of a fund is the possibility of more significant gains when that company has a good year. Say you have $1,000 in a fund, you might only have $50 of Apple within that fund. Then Apple has a big year, you only get the gains from that $50. If you had $1,000 of Apple outside the fund, you get the gains from that $1,000. Is there is a company that you feel strongly about? Go ahead and buy individual shares after doing your due diligence. A downside is that you when you have a fund through a company like Betterment, they do tax loss harvesting for you. We thoroughly explained tax loss harvesting here. Owning individual shares outside of Betterment can mean that you lose the benefits of tax loss harvesting. Owning individual shares might also cause you to obsess over how that company is doing, continually checking the news to see how the stock is doing. The opposite of our “set it and forget it” investing philosophy. 2. Hi Guys, I started listening to you guys about two weeks and was wondering if you can help me with my student loan dilemma. I have a 0% APR credit card and want to use it pay my student loan of $11,000. But Great Lakes who holds the loan won’t take a credit card payment. It has to be a debit card or secured credit card. I tried a company that refinances loans you mentioned in an add, but I didn’t graduate from the school I went to and didn’t qualify. Ricardo A 0% APR credit card can be great if you carry a balance on another card. It allows you to work on getting the balance paid off without paying interest. But read the fine print. Once the 0% APR period runs out, you could be paying a higher interest rate than you were on the original credit card. Be sure to pay the balance off in full before the APR goes up. The reason your student loan company won’t allow you to pay with a credit card may be that they don’t want to pay the processing fee. They also take more risk, when you pay from your bank account, that’s your money, and once you’ve made the payment, you can’t get the money back. A credit card company may have ways to claw back a payment. It also may have something to do with a great loophole some people have used to get around the rules about having student loans discharged in a bankruptcy. Some people were paying their loans with their credit cards and then declaring bankruptcy. Credit card debt can be discharged in bankruptcy, so this may be Great Lakes way of closing a loophole. Refinancing your student loans through SoFi or LendKey is a great option, but as you found out, not everyone with student loans is eligible for those companies. Look into refinancing through Citizens Bank. The average borrower saves $1,

02.19.2018
Listen Money Matters - Free your inner financial badass. All the stuff you should know about personal finance. Podcast

LAST EPISODE

Your Money Modus Operandi

12.10.2018

Maybe you shop too much or are afraid of investing. As it turns out, it’s mostly your personality that guides how you deal with your finances. We call it your Money Personality and we want to break down what the ...