Recently, I’ve been pondering a question: Are you someone who loves to spend money or someone who prefers to save? These two financial personalities can actually reveal a lot.

I came across an interesting perspective that many people aren’t even aware of which type they are. There’s a simple self-assessment method: see if your home is filled with things you’ve never used. If removing 10 to 30% of your belongings makes you feel more comfortable, you might be someone who loves to spend. These people often buy a bunch of unnecessary items and only realize afterward that they don’t really need them.

Another straightforward indicator is—how do you react when you hear the word “budget”? People who love to spend usually frown when they hear it; they generally know roughly how much they’re spending, but when it comes to calculating, they’re often shocked. However, as long as it doesn’t affect their overall financial plan, they’ll still buy that car or go ahead with that renovation.

On the other hand, savers are completely different. They don’t really enjoy the process of spending; they prefer to watch their money gradually accumulate. These people tend to have a common trait: savers are very willing to manage a budget and even take pride in it. They prioritize saving for themselves first—whether it’s an emergency fund, retirement account, or reserve for a specific project. When asked about delaying consumption, they usually accept it.

But here’s an interesting point: loving to spend money isn’t necessarily bad, and saving isn’t always the optimal choice. The key is to find a balance. Most people’s financial personalities are shaped by their upbringing, past crises, job nature, or even whether someone depends on them financially.

So, after discovering which type you are, the real importance is to reflect: what’s your view on money? What stories do you tell yourself about spending and saving? Then ask yourself—are these beliefs still applicable in today’s life? For example, someone might have been told since childhood that “spending is wasteful,” but a healthier mindset could be “if I can afford it, spending is okay,” or “I’ll spend on essentials and be more cautious with wants.” Only then can your habits of spending or saving truly serve you, rather than being controlled by these habits.