“There’s no need to worry, you’re all set.”
You are both great at keeping track of what you make, what you spend, and what you save. Just don’t forget to enjoy today.
The Guardian is sensible, the Idealist is compassionate. This creates a good recipe for using money on your everyday needs while making a difference in the world.
“You better be careful, it can be great, or it can get ugly.”
The Rational is principled and sees money as a tool. The Idealist spends money to create the ideal life and an ideal world. If your principles and ideals match, you’re likely to create a wonderful life and make a difference. If not, you better make a lot of money to accommodate for both of your desires.
Solution: Get on the same page with what matters most to you as a couple.
The Guardians are savers, the Artisans are spenders. Between the two of you, it evens out. Guardians will save secretly, and Artisans will spend without telling.
Solution: It’s best that the Guardian handles the budget, while the Artisans keep it fun.
Artisans and Idealists are both spenders—Artisans like to spend it on pleasure, Idealists spend on doing good. Both of you are unaware of how much money you have until you run out of it.
Solution: Make a lot of money so that it never runs out, or find a financial planner who can help you.
Guardians keep track of the small stuff. Rationals are looking at the big picture. This can either be a great way to make sure everything gets covered, or it can lead to a great deal of conflict.
Solution: Recognize how different you are, celebrate those differences, and clearly define your roles on who covers what.
Both of you are great at rationalizing anything. The two of you combined can adapt to any situation and strategize yourself in and out of financial mess and success.
Solution: While you go up and down, keep a behind the scenes automatic deposit mechanism going as a safety net.
“When the times are good, it’s real good. When it gets ugly, it gets real ugly.”
Two Idealists can feel like a whirlwind of romance. It’s much like building sandcastles in the sky together. When you have a financial surplus it feels like a fairy tale. You create blissful memories, and even get to be philanthropic. However, when the money runs dry, the honeymoon quickly becomes a distant memory.
Solution: Work with a financial planner to set up automatic savings, retirement, and bill pay mechanisms in your bank account. Use cash or debit cards rather than credit cards for your spending. When there’s no more in the romance fund, just hug and whisper sweet nothings as you fall asleep together—this doesn’t cost any money, but still feels romantic.
Both of you are terrible at keeping track of your money, but you both like to take risks. You’re both too busy making money that you don’t have time to count it. As long as your busyness is leading to results, the need to count what you’re making is not as important. But, be careful that you’re not spending, investing, or betting more than what your bankroll can handle.
Solution: Make sure that you have some safety reserves to pull you out of trouble if it comes your way. You can’t win all of your bets, so make sure to factor that in.
Both of you are about fun, fun, fun! Both of you can spend, spend, spend! But, when the money tree stops bearing fruit, it can be painful, painful, painful! If it gets here, your relationship will have gone from total euphoria to utter misery.
Solution: Chop up the credit cards, figure out creative ways to have fun that don’t involve money. Put away as much into savings as you can and forget about it. Play to the max with your leftover play fund each month.
Depending on your temperament, we have a natural bent toward understanding and approaching money. You are you, for better or for worse, and your natural approach can help you or handicap you. In this article, we’re going to provide you with insight on why you do what you do when it comes to money.