The Podcast Powered by Your Financial Behavior

Do you really understand the way you think about money?

The mind works in mysterious ways. And, for many of us, so does money. Based on a lifetime of personal experiences, our “Weath Wits” tends to take the lead on financial matters. Whether you're in your 20s, 30s, 40s, or 50s, to make the most of your Weath Wits, you first need to be aware of it.

To begin to understand your Weath Wits’s inner workings, build your custom podcast.
After answering a few self-assessment questions, you’ll hear insights from financial psychologists, experts, and the “like-minded.” Consider this an opportunity to get to know yourself a whole lot better and open your Weath Wits to a future of financial opportunity.

The Podcast Powered by Your Financial Behavior

The Weath Wits podcast series sheds light on the inner workings of four financial behaviors. Answer a few questions to build your custom podcast.

First, select your age group:

Self-Assessment

What’s your general attitude toward money?

It’s important to me and I like to be comfortable. I’m actively saving and investing.
I spend what I earn. I’m all about the present. I don’t deprive myself and I’m also generous with my money.
Money isn’t actively on my mind. I take things day to day and am generally optimistic that everything will work out.
I derive a sense of security and stability from saving. That said, I haven’t been proactive about making my money work for me.

Self-Assessment

What best describes your money-saving style?

I’m always finding ways to save. I track all my expenses, set strict budgets, and I rarely ever pay full price for anything.
I put a certain amount of every paycheck into a separate account, and I’ve consistently contributed to my 401K throughout my career.
If I have money leftover at the end of the month, I’m happy.
Skipping dinner and drinks with friends a few times a month.

Self-Assessment

You’ve started a new job with a full benefits package. Once you receive the enrollment forms for your company’s 401K, what do you do?

Enroll within the week and set daily reminders on your phone to make sure you do it. You’ve already sent HR a few questions about it.
It’s a priority. You’ll definitely do it within the first month, but you’re focused on learning the ins and outs of the job.
Skip it. You’ve got plenty of time to save later.
Cringe. You aren’t a fan of the process. You’ll get to it eventually.

Self-Assessment

You get a pretty significant tax return. What do you do with it?

I’ll add it to next year’s vacation fund. I like always having something to look forward to.
First, I’ll pay off any outstanding bills. Whatever is left over, I’ll deposit into my savings account.
It’s extra play money and I’ve got a few things on my mind.
I don’t have any plans for that money, but it doesn’t hurt to have it.

Self-Assessment

You get home and there’s a stack of bills on the table. Do you:

Open them immediately, double-check everything, and pay off the full balance.
Put it off until you’re in the mood.
You check your account activity every week. You’ll sit down with them over the weekend when you have more time.
All your accounts are set to autopay, so you never bother opening them. You’re sure everything’s accurate.

Next Steps
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The Vigilant Stockpiler (20s)

Your savings are your security blanket, and your exercises in frugality have left others astonished. You shy away from investments, and prefer to focus on a steadily growing bank balance. At times, you’ve been known to neglect yourself (or your home or car etc.) in order to maintain your aggressive saving streak. While you may find joy in the certainty and safety, you may not be as likely to actually enjoy what you’ve earned.

Listen to your custom podcast hosted by Faith Salie, “Structured Saver,” comedian, journalist, and author of Approval Junkie: Adventures in Caring Too Much, and featuring: Laura Adams, personal finance expert, host of Money Girl Podcast, and author of Money Girl’s Smart Moves to Grow Rich; financial therapist Amanda Clayman; and financial psychologist Brad Klontz.

The Vigilant Stockpiler (30s)

Your savings are your security blanket, and your exercises in frugality have left others astonished. You shy away from investments, and prefer to focus on a steadily growing bank balance. At times, you’ve been known to neglect yourself (or your home or car etc.) in order to maintain your aggressive saving streak. While you may find joy in the certainty and safety, you may not be as likely to actually enjoy what you’ve earned.

Listen to your custom podcast hosted by Faith Salie, “Structured Saver,” comedian, journalist, and author of Approval Junkie: Adventures in Caring Too Much, and featuring: Kimberly Palmer, personal finance journalist and author of Smart Mom, Rich Mom: How to Build Wealth While Raising a Family; financial therapist Amanda Clayman; and financial psychologist Brad Klontz.

The Vigilant Stockpiler (40s)

Your savings are your security blanket, and your exercises in frugality have left others astonished. You shy away from investments, and prefer to focus on a steadily growing bank balance. At times, you’ve been known to neglect yourself (or your home or car etc.) in order to maintain your aggressive saving streak. While you may find joy in the certainty and safety, you may not be as likely to actually enjoy what you’ve earned.

Listen to your custom podcast hosted by Faith Salie, “Structured Saver,” comedian, journalist, and author of Approval Junkie: Adventures in Caring Too Much, and featuring: Kimberly Palmer, personal finance journalist and author of Smart Mom, Rich Mom: How to Build Wealth While Raising a Family; financial therapist Amanda Clayman; and financial psychologist Brad Klontz.

The Vigilant Stockpiler (50s)

Your savings are your security blanket, and your exercises in frugality have left others astonished. You shy away from investments, and prefer to focus on a steadily growing bank balance. At times, you’ve been known to neglect yourself (or your home or car etc.) in order to maintain your aggressive saving streak. While you may find joy in the certainty and safety, you may not be as likely to actually enjoy what you’ve earned.

Listen to your custom podcast hosted by Faith Salie, “Structured Saver,” comedian, journalist, and author of Approval Junkie: Adventures in Caring Too Much, and featuring: financial psychologist Brad Klontz, and financial therapist Amanda Clayman.

The Structured Saver (20s)

You’re proactive. You save up for major purchases—and for the future. You’re not afraid of budgets. Your financial decisions are thoughtful and well researched. You’re not excessively frugal, but you’re not one who parts with money easily. Some might say your approach is aspirational; others might say you’re slightly risk averse. In general, you make it look easy, but you’re the only one who knows how hard you really work at it.

Listen to your custom podcast hosted by Faith Salie, “Structured Saver,” comedian, journalist, and author of Approval Junkie: Adventures in Caring Too Much, and featuring: Laura Adams, personal finance expert, host of Money Girl Podcast, and author of Money Girl’s Smart Moves to Grow Rich; Jeff Rose, Certified Financial Planner and blogger at GoodFinancialCents.com; and David Carlson, personal finance blogger at YoungAdultMoney.com and author of Hustle Away Debt.

The Structured Saver (30s)

You’re proactive. You save up for major purchases—and for the future. You’re not afraid of budgets. Your financial decisions are thoughtful and well researched. You’re not excessively frugal, but you’re not one who parts with money easily. Some might say your approach is aspirational; others might say you’re slightly risk averse. In general, you make it look easy, but you’re the only one who knows how hard you really work at it.

Listen to your custom podcast hosted by Faith Salie, “Structured Saver,” comedian, journalist, and author of Approval Junkie: Adventures in Caring Too Much, and featuring: Kimberly Palmer, personal finance journalist and author of Smart Mom, Rich Mom: How to Build Wealth While Raising a Family; Jeff Rose, Certified Financial Planner and blogger at GoodFinancialCents.com; and David Carlson, personal finance blogger at YoungAdultMoney.com and author of Hustle Away Debt.

The Structured Saver (40s)

You’re proactive. You save up for major purchases—and for the future. You’re not afraid of budgets. Your financial decisions are thoughtful and well researched. You’re not excessively frugal, but you’re not one who parts with money easily. Some might say your approach is aspirational; others might say you’re slightly risk averse. In general, you make it look easy, but you’re the only one who knows how hard you really work at it.

Listen to your custom podcast hosted by Faith Salie, “Structured Saver,” comedian, journalist, and author of Approval Junkie: Adventures in Caring Too Much, and featuring: Kimberly Palmer, personal finance journalist and author of Smart Mom, Rich Mom: How to Build Wealth While Raising a Family; Jeff Rose, Certified Financial Planner and blogger at GoodFinancialCents.com; and David Carlson, personal finance blogger at YoungAdultMoney.com and author of Hustle Away Debt.

The Structured Saver (50s)

You’re proactive. You save up for major purchases—and for the future. You’re not afraid of budgets. Your financial decisions are thoughtful and well researched. You’re not excessively frugal, but you’re not one who parts with money easily. Some might say your approach is aspirational; others might say you’re slightly risk averse. In general, you make it look easy, but you’re the only one who knows how hard you really work at it.

Listen to your custom podcast hosted by Faith Salie, “Structured Saver,” comedian, journalist, and author of Approval Junkie: Adventures in Caring Too Much, and featuring: financial psychologist Brad Klontz; Jeff Rose, Certified Financial Planner and blogger at GoodFinancialCents.com; and David Carlson, personal finance blogger at YoungAdultMoney.com and author of Hustle Away Debt.

The Optimistic Avoider (20s)

Money is not your number-one priority—at times, it doesn’t even make your top ten. But that doesn’t bother you. In some ways, it has even given you peace. “Getting by” would make others feel unsettled, but you’ve made it a lifestyle. Sometimes you’re apathetic, but most times you’re optimistic. You feel good about how the future will shake out, even though you’re not quite sure of how you’ll get there.

Listen to your custom podcast hosted by Faith Salie, “Structured Saver,” comedian, journalist, and author of Approval Junkie: Adventures in Caring Too Much, and featuring: Laura Adams, personal finance expert, host of Money Girl Podcast, and author of Money Girl’s Smart Moves to Grow Rich; financial therapist Amanda Clayman; and David Carlson, personal finance blogger at YoungAdultMoney.com and author of Hustle Away Debt.

The Optimistic Avoider (30s)

Money is not your number-one priority—at times, it doesn’t even make your top ten. But that doesn’t bother you. In some ways, it has even given you peace. “Getting by” would make others feel unsettled, but you’ve made it a lifestyle. Sometimes you’re apathetic, but most times you’re optimistic. You feel good about how the future will shake out, even though you’re not quite sure of how you’ll get there.

Listen to your custom podcast hosted by Faith Salie, “Structured Saver,” comedian, journalist, and author of Approval Junkie: Adventures in Caring Too Much, and featuring: Kimberly Palmer, personal finance journalist and author of Smart Mom, Rich Mom: How to Build Wealth While Raising a Family; financial therapist Amanda Clayman; and David Carlson, personal finance blogger at YoungAdultMoney.com and author of Hustle Away Debt.

The Optimistic Avoider (40s)

Money is not your number-one priority—at times, it doesn’t even make your top ten. But that doesn’t bother you. In some ways, it has even given you peace. “Getting by” would make others feel unsettled, but you’ve made it a lifestyle. Sometimes you’re apathetic, but most times you’re optimistic. You feel good about how the future will shake out, even though you’re not quite sure of how you’ll get there.

Listen to your custom podcast hosted by Faith Salie, “Structured Saver,” comedian, journalist, and author of Approval Junkie: Adventures in Caring Too Much, and featuring: Kimberly Palmer, personal finance journalist and author of Smart Mom, Rich Mom: How to Build Wealth While Raising a Family; financial therapist Amanda Clayman; and David Carlson, personal finance blogger at YoungAdultMoney.com and author of Hustle Away Debt.

The Optimistic Avoider (50s)

Money is not your number-one priority—at times, it doesn’t even make your top ten. But that doesn’t bother you. In some ways, it has even given you peace. “Getting by” would make others feel unsettled, but you’ve made it a lifestyle. Sometimes you’re apathetic, but most times you’re optimistic. You feel good about how the future will shake out, even though you’re not quite sure of how you’ll get there.

Listen to your custom podcast hosted by Faith Salie, “Structured Saver,” comedian, journalist, and author of Approval Junkie: Adventures in Caring Too Much, and featuring: financial psychologist Brad Klontz; financial therapist Amanda Clayman; and David Carlson, personal finance blogger at YoungAdultMoney.com and author of Hustle Away Debt.

The Avid Consumer (20s)

You like to see your money in action (especially transactions). Risky investments and debt don’t deter you. You make the most of the here and now. You enjoy shopping for things and experiences. You’re generous with yourself and with others, lending money easily and giving gifts for sometimes no reason at all. Some might think you’re a big spender; you may pride yourself on it or secretly know you’ve got to cut back.

Listen to your custom podcast hosted by Faith Salie, “Structured Saver,” comedian, journalist, and author of Approval Junkie: Adventures in Caring Too Much, and featuring: Laura Adams, personal finance expert, host of Money Girl Podcast, and author of Money Girl’s Smart Moves to Grow Rich; Jeff Rose, Certified Financial Planner and blogger at GoodFinancialCents.com; and Emma Johnson, journalist, blogger at WealthySingleMommy.com, and host of Like a Mother podcast.

The Avid Consumer (30s)

You like to see your money in action (especially transactions). Risky investments and debt don’t deter you. You make the most of the here and now. You enjoy shopping for things and experiences. You’re generous with yourself and with others, lending money easily and giving gifts for sometimes no reason at all. Some might think you’re a big spender; you may pride yourself on it or secretly know you’ve got to cut back.

Listen to your custom podcast hosted by Faith Salie, “Structured Saver,” comedian, journalist, and author of Approval Junkie: Adventures in Caring Too Much, and featuring: Kimberly Palmer, personal finance journalist and author of Smart Mom, Rich Mom: How to Build Wealth While Raising a Family; Jeff Rose, Certified Financial Planner and blogger at GoodFinancialCents.com; and Emma Johnson, journalist, blogger at WealthySingleMommy.com, and host of Like a Mother podcast.

The Avid Consumer (40s)

You like to see your money in action (especially transactions). Risky investments and debt don’t deter you. You make the most of the here and now. You enjoy shopping for things and experiences. You’re generous with yourself and with others, lending money easily and giving gifts for sometimes no reason at all. Some might think you’re a big spender; you may pride yourself on it or secretly know you’ve got to cut back.

Listen to your custom podcast hosted by Faith Salie, “Structured Saver,” comedian, journalist, and author of Approval Junkie: Adventures in Caring Too Much, and featuring: Kimberly Palmer, personal finance journalist and author of Smart Mom, Rich Mom: How to Build Wealth While Raising a Family; Jeff Rose, Certified Financial Planner and blogger at GoodFinancialCents.com; and Emma Johnson, journalist, blogger at WealthySingleMommy.com, and host of Like a Mother podcast.

The Avid Consumer (50s)

You like to see your money in action (especially transactions). Risky investments and debt don’t deter you. You make the most of the here and now. You enjoy shopping for things and experiences. You’re generous with yourself and with others, lending money easily and giving gifts for sometimes no reason at all. Some might think you’re a big spender; you may pride yourself on it or secretly know you’ve got to cut back.

Listen to your custom podcast hosted by Faith Salie, “Structured Saver,” comedian, journalist, and author of Approval Junkie: Adventures in Caring Too Much, and featuring: financial psychologist Brad Klontz; Jeff Rose, Certified Financial Planner and blogger at GoodFinancialCents.com; and Emma Johnson, journalist, blogger at WealthySingleMommy.com, and host of Like a Mother podcast.

Community Insights

It's just kind of hitting me that I'm at an age where I have to really think about the future.

Arnold, 41
Stroudsburg, PA

Learn About Other Financial Behaviors

Explore All Weath Wits Podcasts

The Weath Wits podcast series sheds light on the inner workings, strengths, and vulnerabilities of four financial behaviors. Listen to the podcast episode that most closely matches your attitude about money and your age group.

Created with Sketch.

The Vigilant Stockpiler

Their savings is a security blanket, and they excel in frugality. They’ve been known to neglect themselves (or their home or car etc.) in order to maintain an aggressive saving streak.

Created with Sketch.

The Structured Saver

They're proactive, tend to save for major purchases, and for the future. Their financial decisions are well researched. They’re not excessively frugal, but may not part with money easily.

Created with Sketch.

The Optimistic Avoider

Money is not their number-one priority. But that doesn’t bother them. In some ways, it has even given them peace. Sometimes they’re apathetic, but most times they’re optimistic.

Created with Sketch.

The Avid Consumer

They like to see their money in action (especially transactions). Risky investments and debt don't deter them. They make the most of now. They enjoy shopping for gifts and experiences.

Not sure what Weath Wits category you fall into?
Take a short quiz to build your custom podcast.