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.

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.