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How do you relate to money?

Personality can tell us how we learn best, what our strengths are, and how we get along with others. But what about revealing our financial personlity?

As it turns out, there are four money personas that help explain some of our most common financial behaviors. To find out how you can improve your relationship with money, discover which money persona you relate to.

Recognizing your persona

It's likely that you're a combination of several money personas, as opposed to being an extreme version of just one. Identifying your money persona can help you approach financial decisions more positively and help you spot behaviors that you want to change.

Take the Quiz!

Step 1 of 13 Results

1. I define financial success as:

Choose the option below that best describes you.

Not having to think about money all the time

Living a celebrity lifestyle

Accumulating the most money

Avoiding all the money traps that others fall into

2. My relationship with money can be summed up like this:

Choose the option below that best describes you.

I'm not good at managing it, and I never talk about money

I'm not good at managing it, and I love talking about money

I'm good at managing it, and I don't mind talking about money

I'm good at managing it, and I never talk about money

3. What gives you the most energy?

Choose the option below that best describes you.

Having some "me time" at home

Going out with friends or spending time with family

A full schedule - when I'm busy, I feel alive

Planning out a new project or working with details

4. When it comes to personal finance, I wish I was more:

Choose the option below that best describes you.

Aware

Free

Prepared

In control

5. If I suddenly inherited $500,000, I would feel:

Choose the option below that best describes you.

A little anxious - what should I do with that money?

Totally thrilled - that's one amazing shopping spree!

Happy - that would put me ahead of the game

Motivated - it's fun thinking about to allocate it

6. I believe that most personal finance problems are the result of:

Choose the option below that best describes you.

People thinking they deserve lifestyles they can't afford

Treating money as something stressful instead of something enjoyable

Being undereducated when it comes to money

A large and corrupt economic system

7. More money, more ______________

Choose the option below that best describes you.

Problems

Freedom

Happiness

Nothing - more money doesn't change anything

8. Which weakness best describes you?

Choose the option below that best describes you.

I can be kind of lazy

I can get pretty self-centered

Sometimes I'm a little too competitive

I have trust issues

9. Which strength best describes you?

Choose the option below that best describes you.

I'm thoughtful

I'm friendly

I'm determined

I'm smart

10. "Treat yourself!"

Choose the option below that best describes you.

But I haven't done anything to deserve it

OK!

Nah, I'd rather make money than spend it

No, I don't need special treatment

11. Which statement sums up your point of view when it comes to investing?

Choose the option below that best describes you.

I've never taken the time to really learn about investing

Big risks lead to the biggest payouts

The more investments I have, the safer I feel

I don't invest because of the risk of losing everything

12. When it comes to money, the most important lesson to be learned is:

Choose the option below that best describes you.

Money is complicated and almost impossible to manage well

Money is the key to your sense of well-being

You will never have enough for the things you truly want

Being able to keep it is more important than simply having it

13. Please select your age range

Choose the option below that best describes you.

18-34

35-50

51-69

70+

Avoiding Ostrich

Avoiding Ostriches often feel guilty about having money or underserving money. They sabotage themselves by minimizing their financial problems instead of facing reality. This persona is most common among young adults. 

Most likely to: have piles of unopened bills, be charged with late fees
Least likely to: ask for a raise, discuss finances with others
Needs to work on: money management skills, budgeting basics

Struttin' Peacock

Struttin' Peacocks believe that their self-worth comes from their lifestyle and possessions. They will overspend in order to impress others. This leads to struggles with budgeting and debt.

Most likely to: live in debt, make risky investments
Least likely to: be able to afford the lifestyle they project
Needs to work on: setting savings goals, managing debt

Stashing Crow

Stashing Crows have a scarcity mindset when it comes to money; they believe that they will never have enough to afford the things they want in life. They get a sense of safety from stockpiling money.

Most likely to: be a workaholic, have hoarding tendencies
Least likely to: spend money on themselves or on leisure activites
Needs to work on: seeing money as a source of enjoyment

Wary Owl

The Wary Owl's relationship with money is based in fear. A little bit of money vigilance is good, but Wary Owls can easily take it to the extreme. Fear and distrust of investing keeps them from growing their money.

Most likely to: underspend, distrust financial institutions
Least likely to: overspend, invest their money
Needs to work on: trying out new financial products

Recommendations

Based on your results, we recommend the following products to help you achieve your goals:

Choice Checking

Enjoy the benefit of our e-Club app and cell phone protection. View Choice Checking

Savings

In additon to our Prime Share, save money and win money with Save to Win. Save to Win

Loan

Build your credit with a secured credit card or an auto loan. Auto Loans

Service

Manage your money easily with free services like balance alerts and e-Pay. View e-Services

Choice Checking

Enjoy the benefit of our e-Club app, shopping discounts, and free services like ID Protect. View Choice Checking

Savings

In additon to our Prime Share, save money and win money with Save to Win. Save to Win

Loan

Consider consolidating your debt for a lower interest rate, and take advantage of our $0 balance transfer fee on Visa Platinum. View Credit Cards

Service

Make budgeting easier with our money management tool, Money Desktop and our mobile banking app. Money Desktop

Choice Checking

Earn interest on $2,500 and above, and take adavantage of free services like ID Protect. View Choice Checking

Savings

In additon to our Prime Share, earn interest with our Money Market Account. The more you save, the more you earn. Save to Win

Loan

A Community Choice Visa Signature CashBack credit card helps you earn 1.5% cash back on all purchases. Or maybe you're ready to explore the undiscovered ? Let us help you achieve dreams with one of our low rates on an RV. Credit Cards

Service

Make budgeting easier with our money management tool, Money Desktop and e-Banking. Our Investment Services can help you with your financial well-being by developing a strategy that specifically targerts your objectives. View e-Services

Choice Checking

Enjoy the benefits of health discounts and free services like ID Protect. View Choice Checking

Savings

In additon to our Prime Share, earn interest with our Money Market Account. The more you save, the more you earn. Money Market

Loan

Consider a home equity loan for remodeling or unexpected expenses. A Community Choice Visa Signature CashBack credit card helps you earn 1.5% cash back on all purchases. Credit Cards

Service

Investment Services offered by Community Choice can help you develop a strategy that specifically targets your objectives. Our planners can recommend a mix of quality investment options based on your unique situation. View Investment Services

Resources for Ages 18-34

Based on your age range we recommend the following resources to help and ensure you are on the right track:

  • Create a budget. Take control of your finances and get a clear view of your income and expenses. There are many easy and free tools available online.

  • Protect yourself. Obtain health insurance, if you don’t already have coverage. You’ll potentially avoid costly medical bills.

  • Evaluate student debt. If you have school loans, consider consolidating them to obtain the lowest possible rate. This could help you pay your debt faster or lower your monthly payment.

  • Stash some cash. Establish an emergency fund of 3 to 6 months’ salary. This will help to cover any financial surprises that may come your way, like the loss of a job, illness, or any unexpected major expense.

  • Plan for retirement. Enroll in your employer’s retirement plan and take advantage of their matching contribution, if one is offered. If your employer does not offer a retirement plan, seek advice about starting an Individual Retirement Account, or Roth IRA account.

  • Know the power of compound interest. Time is on your side. Start saving today and compound your investments for maximum returns for your future. Compound interest has an incredible impact on your savings, which is why starting to save in your 20s is one of the smartest things you can do.

  • Monitor your credit. Your financial health is important; check your credit score and review your credit report periodically. It’s free with many tools available online, it’s helps to maintain good credit, and it’s often the first indicator to identity theft.

Student Life Stage

Resources for Ages 35-50

Based on your age range we recommend the following resources to help and ensure you are on the right track:

  • Pay down your debt. Create a plan to pay off any student loans and high-interest debt. This is important as you near retirement age.

  • Increase your savings. Be sure you are contributing to a retirement plan, and periodically increase your contribution. One easy way to do this is to increase your contribution as you receive salary raises; you won’t even miss it.

  • Plan for retirement. Set a target retirement date, and determine how much of your current income you will need to maintain your lifestyle. You may need to make some adjustments with your budget to ensure you are on the right track.

  • Put those investments to work. Educate yourself by learning more about investments and how to make them work for you. This will help you to maximize your earnings for your future.

  • Prepare an education plan. If you have children, consider starting and contributing to a college fund for them. If your children are planning on beginning college soon, research financial aid options. There are also many grants, scholarships, and low-cost student loans available.

  • Make that money. If you find your financial plans are difficult to obtain, contemplate asking for a raise, or consider a career change with a higher earning potential. Maximize your earnings now to help ensure a financially-sound future.

Working Professionals Life Stage

Resources for Age 51-69

Based on your age range we recommend the following resources to help and ensure you are on the right track:

  • Get organized. Clean out your filing cabinet. Tax returns, financial statements, annual pension statements, and insurance policies are all important to hang on to, but old credit card statements, cancelled insurance policies, and old invoices can probably be shredded. Consult with your financial advisor with questions if you are unsure you should get rid of something.

  • Get healthy. Exercise and a healthy diet can pay off. Improving your health can help eliminate potential costly health care bills in the future. Your wallet and your waistline will thank you.

  • Be prepared for the unexpected. Ensure your estate planning documents, wills, and/or trusts documents are accessible by trusted friends and family should you pass away unexpectedly.

  • Know your retirement budget. Retirement is coming. Prepare for it by knowing what sources of income you will have, what you receive from Social Security and any pensions you might have, what your spending budget is, and what your saving plan is.

Resources for Ages 70+

Based on your age range we recommend the following resources to help and ensure you are on the right track:

  • Monitor your finances. Periodically evaluate your spending and portfolio performance to ensure you have enough money to get you through retirement. You may find you need to make some adjustments.

  • Review your health coverage. If you have purchased a Long Term Care Insurance policy, take some time to review the terms and ensure it allows adjustments for inflation and provides in-home care. Be sure to take advantage of any benefits that may be included.

  • Be prepared. Ensure your estate plan and will are current. If these were created some time ago, it might be a good idea to review them to make any necessary changes.

  • Prepare others. Ensure trusted family, friends, and/or financial advisors have access, like electronic passwords, to important documents and contact information.

Retiree Life Stage

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