<div>How you can improve:</div>
<ul><li>You’re probably depriving yourself of something, even if that’s just a cup of coffee now and then.</li><li>If you're concerned about money, try to make more money by getting a side hustle.</li></ul>

Financial Sage

<div>YOLO Spenders will spend it all, happily. “You Only Live Once,” they tell themselves. </div>
How you can improve:
<ul><li>One of the best options for those who overspend is <a href="https://www.moneyunder30.com/pay-yourself-first">paying yourself first. </a>Put a chunk of money into your savings account every paycheck.</li></ul>

YOLO Spender

We all spend, save, and invest differently. That’s because we’re all inherently different people with different personalities. Knowing your financial personality can help you make a plan to spend more responsibly and come up with a budget that works for you.

Financial personality

<div>Being a Frugal Saver means all your money is going towards saving. How you can improve: <ul><li>Oversaving won’t make you happy. Spend responsibly. </li><li>If you’re not saving, you may also not be investing. Investing allows you to grow your money over time.</li><li>Investing doesn’t have to be all about stocks and bonds, you can invest with just a few cents thanks to apps, or you can invest through Robo-advisors who do nearly all the work for you.</li></ul></div>

Frugal Saver

<div>The Spendthrift has a spend-first mentality.  </div>
How you can improve:
<ul><li>Combining responsibility with a little bit of spending is the key.</li><li>If you’re sick of seeing dismal savings rates in your bank account, upgrade to a <a href="https://www.moneyunder30.com/high-yield-savings-accounts-compared">high-yield savings account</a>.</li></ul>

Spendthrift

We all spend, save, and invest differently. That's because we're all inherently different people with different personalities. Knowing your financial personality can help you make a plan to spend more responsibly and come up with a budget that works for you. Today, we've come up with four different personality types.

Spendthrift

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YOLO Spender

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