• Set realistic goals
• Create a budget that suits your lifestyle
• Avoid financial stress
• Build better habits over time

The Spender
Spenders often enjoy the present moment. They might:

• Treat themselves regularly
• Prefer experiences over savings
• Struggle to stick to a budget
• Feel a bit anxious when thinking about long-term finances

If this sounds like you, don’t worry, spending isn’t a bad thing! It’s all about balance. A good financial plan can help you enjoy life now and prepare for the future.

The Saver
Savers tend to be more future-focused. They might:

• Track every dollar
• Feel proud of their growing savings
• Avoid unnecessary purchases
• Sometimes miss out on enjoying their money

If you’re a saver, that’s great, but remember, money is also a tool for living well. It’s okay to spend on things that bring you joy or create lasting memories.

Finding the Balance
Some people are a mix of both. The key is to:

• Understand your tendencies
• Set clear financial goals
• Work with a financial adviser to create a plan that reflects your values

At RIVAL Wealth, we help clients of all types, spenders, savers, and everyone in between, build financial strategies that support their lifestyle and long-term goals.

Curious about your money habits?
Head to the Useful Documents section and try our Spending Quiz to discover your results!