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Easy Ways to Identify Your Child’s Money Personality
Updated: December 16, 2020 |
Taylor Kovar, CFP

Easy Ways to Identify Your Child’s Money Personality

Twin studies, birth order books, family reunions… These are all great ways to ponder or observe how similar or dissimilar we are to our family members and siblings. From facial expressions to viewpoints, the similarities and differences among children can be fascinating! Here’s an easy way to identify your child’s money personality.

We also think it is fascinating that you can see a child’s Money Personality at a remarkably young age. (Tweet this!)

After many years of research and work with thousands of families we determined you are born with your Money Personalities. They are hard-wired into your DNA from the start just like your hair color or how tall you are.

Because those tendencies are there from the start, you can often identify a child’s Primary Money Personality through observation. One easy way to determine your child’s Money Personality this time of year is to watch them with their Easter candy.

Each Easter, Americans buy over 700 million Marshmallow Peeps and 16 billion jellybeans. Add 90 million chocolate Easter bunnies and you have either a stomachache or a great setting to identify your child’s Primary Money Personality.


  • A child with a Primary Saver Money Personality will hold on to their candy forever. His or her Peeps will turn to stone before they’d consider consuming them all.


  • A Spender child will get a thrill from eating their treats right away. Why wait?

Risk Taker

  • A Risk Taker child will find creative, new uses for their newly acquired “commerce” of jelly beans and chocolate and may trade with cousins or fellow hunters to collect the hard-to-find-ones or increase their stash of their favorite color of jelly bean.

Security Seeker

  • A child who is a Security Seeker will save the best for last. They’ll save their prize treat for some perfect, future time.


  • A child who has a Flyer Money Personality may amaze some adults as they give away their spoils. They care more about the fun time spent with friends hunting the eggs and candy than eating it all. They enjoy the relationships and sharing and won’t appear as competitive as other kids on the hunt.

What Money Personalities did you see in your children, grandchildren, nieces, or nephews this Easter? We’d love to hear about your little honey bunnies at [email protected].

Be sure to take the FREE scientific & confidential online Money Personality Assessment!

Taylor & Megan Kovar

The Money Couple


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