I've been reading Brent Kessel's book "it's not about the money" and have found it to have some great information about money and how people approach it.

One of the biggest epiphanies that I learned by reading this book is about wanting. Why people want this or that and how it relates to their happiness. We all know that purchasing something might make you happy for a while, but sooner or later you become accustomed to it and your happiness returns to a normal level and you start to want something else.

I have seen this in my life, I have felt this before. What I couldn't explain was why exactly, but Brent explains it perfectly.

Happiness is a lack of want.

So when you buy that new thing, you are happy because for a brief moment in time you don't have a want. Think about that for a minute. Happiness is just having all you want. So bringing that lesson further on, reduce your wants and you will increase your happiness.

"You will not find lasting happiness by having more and more, but by wanting less and less." - @getonthetrain

Wow, what an amazing thing to learn. Internalize that and it will change your life.

The main part of his book is learning about the 8 financial archetypes. I will list the attributes of each of them and I want you to find yours.

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THE GUARDIAN

Always alert and careful

Negatives:

• Worry, Anxiety

Positives:

• Alertness, Prudence

You may be a Guardian if you:

• Make financial decisions in one of two ways. (1) You are often frozen and don't make decisions even if you think it is the best one for you. (2) You analyze each decision to the extreme before you choose one.
• You think too much. You run too many “what-if” questions through your brain. You are always thinking of the negative financial aspects – the “doomsdays.”
• You live by financial fear thinking rules. Like never-ever being in debt.
• You worry too much about things that you can easily survive. For example, you constantly worry about not being able to pay your bills even though you have a large emergency fund.
• You fear making the wrong decision more than you would enjoy making the right one.

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THE PLEASURE SEEKER

Prioritizes pleasure and enjoyment in the present

Negatives:

• Hedonism, Impulsiveness

Positives:

• Enjoyment, Pleasure

You may be a Pleasure Seeker if:

• You save less than 5% of your income.
• When you have money you buy things you don't need.
• Your debts exceed your assets (negative networth).
• You often pay the minimum or postpone payments when possible.
• If you have investments they tend to be “alternate investments” like a wine collection, art, jewelry, collectibles, or entertainment businesses. You may also invest in highly-risky investments - "go big or go home."
• When you are sad you usually end up buying something to make you happy - “retail therapy.”
• Your spending habits create tension with your partner.

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THE IDEALIST

Places the greatest value on creativity, compassion, social justice, or spiritual growth

Negatives:

• Distrust, Aversion

Positives:

• Vision, Compassion

You may be an Idealist if:

• You are primarily an artist, musician, entertainer, or you work for a non-profit.
• You don't earn very much money.
• You rely on others for financial support.
• Your distrust of Wall Street and Big Business lead you to invest in “alternate investments” like an art or music collection, cryptocurrency, and possibly land.
• You are more likely to give money directly to a homeless person rather than a charity that says they help the homeless.

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THE SAVER

Seeks security and abundance by accumulating more financial assets

Negatives:

• Hoarding, Penny-Pinching

Positives:

• Self-Sufficiency, Abundance

You may be a Saver if:

• You save greater than 20% of your income each year.
• You spend and give away less than 3% of your net worth each year.
• Your net worth grows by more than 5% each year.
• You are often overhead telling other people to “Live within their means” or “Don't ever touch your principal.”

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THE STAR

Spends, invests, or gives money away to be recognized, feel hip or classy, and increase self-esteem

Negatives:

• Pretentiousness, Self-Importance

Positives:

• Leadership, Style

You may be a Star if:

• More than 25% of your money goes towards clothing, hair, beauty, jewelry, entertainment, and other things to enhance your image like flashy cars, tatoos, art, or a penthouse apartment.
• You seek acknowledgement for your generosity.
• You are often chasing the latest investment trends.

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THE INNOCENT

Avoids putting significant attention on money and hopes that everything will work out for the best

Negatives:

• Avoidance, Helplessness

Positives:

• Hope, Adaptability

You may be an Innocent if:

• You have personal debt (not a mortgage or car loan) for over a year and have less than 3 months expenses in savings.
• You are in a circumstance such as illness, disability, lack of education or training where you can't make ends meet.
• You live paycheck to paycheck (even if you do earn a lot), spending everything you earn while still struggling to live.
• You received a large amount of money, such as winning the lottery, an inheritance, or a successful lawsuit, but now have little to nothing to show for it.
• You would rather get punched in the face, HARD, than balance your finances or pay your bills.
• You pay more in credit card interest and bank overdraft fees than you earn from all of your investments combined.

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THE CARETAKER

Gives and lends money to express compassion and generosity

Negatives:

• Enabling, Self-Abandoning

Positives:

• Empathy, Generosity

You may be a Caretaker if:

• You spend more than 20% of your income helping others in need like friends, family, or charities. But you aren't generous to yourself so don't have a sense of ease about your generosity.
• Other people are more financially dependent on you and they don't often reciprocate back.
• You have little savings because you are using your money to take care of others.
• If you have investments they are easily sold because you think you will need that money to rescue someone.

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THE EMPIRE BUILDER

Thrives on power and innovation to create something of enduring value

Negatives:

• Greed, Domination

Positives:

• Innovation, Decisiveness

You may be an Empire Builder if:

• Your 'number' – the amount of money you have told yourself you need to quit and never work again – increases faster than the inflation rate in Venezuela.
• Your business or career is where you spend 75%+ of your waking hours.
• You won't pull out any money from your empire other than the minimum you need to cover your expenses.
• Your empire is more than 75% of your net worth.

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Which Archetypes Are You?

You may not be surprised that I am a Saver. I'm focused on becoming financially free and am achieving that through frugality and increased earnings to put towards investments.

I think most people that write about personal finance are as well.

It wouldn't surprise me if there are a few budding Empire Builders reading as well. Steemit is certainly a possible entry into creating something of value.

Leave a comment down below and let's discuss.

If you want to read and learn more about each archetype and money from a Buddhist perspective, go and grab “it's not about the money” - Unlock your money type to achieve spiritual and financial abundance by Brent Kessel.