Speaker 1: Episode three twenty one, The Enneagram and Your Spending.
Speaker 2: Welcome to the Frugal Friends podcast, where you'll learn to
Speaker 2: save money, embrace simplicity, and live your life. Here your hosts,
Speaker 2: Jen and Jill.
Speaker 1: Welcome to the Frugal Friends podcast. My name is Jen,
Speaker 1: my name is Jill. And for all you anagram nerds
Speaker 1: out there, this one's for you. It is truly out
Speaker 1: of our comfort zone, but we are excited to talk
Speaker 1: about how your enneagram impacts your spending.
Speaker 3: And for those of you who don't know what an
Speaker 3: enneagram is, it's just essentially a personality profiling system that
Speaker 3: rate gives you a different number from one to nine.
Speaker 4: There's a whole lot of deep dives you can take
Speaker 4: into the anagram.
Speaker 3: Chances are if you're listening to this episode for this
Speaker 3: very reason, you may as you might know more about
Speaker 3: the anagram than Jen and I do. Neither one of
Speaker 3: us are experts on it, neither one of us are trained,
Speaker 3: certified any A Graham coaches or whatever the certifications are
Speaker 3: that you can get.
Speaker 1: But that might offend you if you are super into
Speaker 1: the But we'll talk about why we are not into
Speaker 1: it as we go along. It's not bad. But you'll
Speaker 1: get our take on personality tests in general. But first,
Speaker 1: this episode is brought to you by wings. Yeah. Oh
Speaker 1: if if you're an any Graham nerd, you already know
Speaker 1: the double meaning there wings like the wings that knowledge
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Speaker 4: Jen, I have.
Speaker 3: Taken off get it to plan the word wings, but
Speaker 3: also I know it is the most animated I have
Speaker 3: ever seen you.
Speaker 4: I felt I.
Speaker 1: Was watching you as I read it, and I got
Speaker 1: more animated because I saw your face.
Speaker 3: I felt like I was listening to you practice your
Speaker 3: reading for an upcoming audition. Like all of a sudden,
Speaker 3: we're into the world of Gen's trying to be an actress.
Speaker 1: I'm in my voice acting era.
Speaker 4: Oh that was good.
Speaker 3: I can't say I paid attention to much other than
Speaker 3: your level of excitement, but the gist is good.
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Speaker 1: can get saving tips and not be tempted to spend. Yes,
Speaker 1: all right, So before we get into enneagram, some episodes
Speaker 1: you might want to cue up for after this episode
Speaker 1: two seventy nine Tips to avoid impulse spending. There is
Speaker 1: no personality type that's more prone to impulse spending than another.
Speaker 1: We'll talk about that more. Uh So two seventy nine
Speaker 1: talks about impulse spending how to avoid it. And then
Speaker 1: episode two sixty how to cut back on emotional spending.
Speaker 1: That was a rerun that we did with Leslie Pain.
Speaker 1: And again, no personality type is safer from emotional spending
Speaker 1: than another. So I mean, there is no personality type, gender,
Speaker 1: income that is more prone to these types of things
Speaker 1: than other people. And that's what we really want to
Speaker 1: get across to you while offering some fun anecdotes that
Speaker 1: you you know, everybody loves knowing more about themselves and
Speaker 1: being unique from other people, and so we're gonna we're
Speaker 1: going to give that to you. Don't worry. We're going
Speaker 1: to give that to you and make you feel real
Speaker 1: good about yourself today and maybe show you some places
Speaker 1: you can improve well, but mostly feel good.
Speaker 3: Yeah, we always want you to leave here feeling good.
Speaker 3: So this first article comes from Truity, and it talks
Speaker 3: about your Enneagram type and your financial habits. There's a
Speaker 3: specific survey that they did that we want to talk through,
Speaker 3: but I first want to give a little bit more
Speaker 3: of my caveat here, just so you know who's talking
Speaker 3: to you as we look at the internet here. It
Speaker 3: had always come as a surprise to a lot of people,
Speaker 3: even now friends and my clients working in the mental
Speaker 3: health space, that I'm not all in on a deep
Speaker 3: understanding of the Enneagram. I'm aware of it, I've taken
Speaker 3: the test. I will talk with people about it, but
Speaker 3: only to the extent that it is useful and helpful
Speaker 3: for people.
Speaker 4: I think.
Speaker 3: I view the Enneagram and other types of personality tests,
Speaker 3: the Myers Briggs, or even things like diagnoses as tools
Speaker 3: ways to understand ourselves. But for me, I've not gone
Speaker 3: all in on one.
Speaker 4: Thing and built an entire life and world around that.
Speaker 3: And that's okay if that is what people choose to
Speaker 3: do again, if it's helpful for them and under standing
Speaker 3: themselves and their relationships. But I think as it relates
Speaker 3: to finances, if you are a person who really connects
Speaker 3: with your aneagram type, you love the anagram, then this
Speaker 3: can be useful to understand what is it about me
Speaker 3: and my personality and the way that I'm wired that
Speaker 3: is going to give me like impact my finances.
Speaker 4: How what are my.
Speaker 3: Propensities when it comes to spending and saving, and how
Speaker 3: can understanding your eneagram be useful to shifting some of
Speaker 3: the things in a more beneficial way as you aim
Speaker 3: at well being. But that's kind of my that's probably
Speaker 3: the overarching view you're going to hear from me Jill
Speaker 3: throughout here on how an anyagram relates to this. Like,
Speaker 3: I'm not all in, but I'm also not thinking, Oh,
Speaker 3: the Aneagram's awful. Obviously we're doing a podcast episode on it.
Speaker 3: But also I'm not an expert on this. I know
Speaker 3: you can take deep dives, you can understand your wings,
Speaker 3: you can be a number and wing this way and
Speaker 3: wing that way, and there's a certain way you are
Speaker 3: in hell and a certain way you are in quote
Speaker 3: unquote unhealth.
Speaker 4: And we're not going to take all that deep dive.
Speaker 3: Just how does your understanding your personality help you understand
Speaker 3: the way you approach finances?
Speaker 4: That's where we're going.
Speaker 1: Yes, absolutely, we don't want to really get nitty gritty
Speaker 1: because a there's nine types in each of two wings.
Speaker 1: But so we can't we don't have the time. But
Speaker 1: the personality types are not excuses for you to act
Speaker 1: one way or another. They can give you permission to
Speaker 1: feel things you've already felt, but they shouldn't give you
Speaker 1: permission to do things that are not good for other people.
Speaker 1: I'll just I'll kind of like leave it at that.
Speaker 3: Yeah, and see would say likewise too, Yeah, no, saying
Speaker 3: removes you from personal responsibility.
Speaker 1: So now you have that out of the way.
Speaker 3: And of course people who are super into the enneagram
Speaker 3: are like evaluating our responses that are like yeah, yeah,
Speaker 3: so sorry, that's the eight And you, of course you're
Speaker 3: being a challenger, like I have a niagram is in.
Speaker 1: You have the story for later. We'll save it for later,
Speaker 1: but it is a tragic Enneagram story for any every
Speaker 1: Aniagram nerd should hear it.
Speaker 3: Many of my close friends are super into this, and
Speaker 3: I love them and I love the ways that they
Speaker 3: are implementing. But yeah, so this truity survey that they did,
Speaker 3: they served fifty eight thousand people, which definitely meets Jen's standards.
Speaker 1: Of well that and they probably surveyed people that are
Speaker 1: into personality tests, not into just financial topics. I don't
Speaker 1: like it when finance websites survey their subscribers because they
Speaker 1: have already a bias, so that this you can this
Speaker 1: is a third party, neutral like place where they surveyed
Speaker 1: these people. So I do really trust this particular survey.
Speaker 3: Yeah, so we're just going to go through the top
Speaker 3: results that the survey found before we get into our
Speaker 3: next article and talk about the deeper aspects of how
Speaker 3: each Enneagram type intersects with money behaviors.
Speaker 1: Yes, so we'll go through It's not a lot of results,
Speaker 1: but we'll go through the financial trends by Aneagram type.
Speaker 1: So the first one is most likely to stress out
Speaker 1: stress about having enough money for the future. So most
Speaker 1: types claimed that their biggest financial stressor was spending money
Speaker 1: when they shouldn't. But there are three types that reported
Speaker 1: the other response that they were stressed about not having
Speaker 1: enough money. So this is the type that kind of
Speaker 1: leads more towards hoarding money and not living their life.
Speaker 1: So this is probably going to be a lot of
Speaker 1: our listeners that love to save, save, save, and find
Speaker 1: this guilt almost when they spend money. So these three
Speaker 1: types are.
Speaker 4: Like a drum run.
Speaker 1: Yes, Type one, five and six those are and that's
Speaker 1: because ones are very rule following, so they're probably more
Speaker 1: inclined to fear not being responsible enough with their finances.
Speaker 1: Fives often fear they won't have enough resources, which may
Speaker 1: drive this fear of not being able to sustain themselves.
Speaker 1: And then lastly six is likely leave you money as
Speaker 1: a component of security, which is why they fear they
Speaker 1: won't have enough of it.
Speaker 4: So there you have it on that one.
Speaker 3: The next trend that they found was Enneagram three is
Speaker 3: most likely to report they were very motivated by money,
Speaker 3: very motivated in quotes, probably highlighted and underlined. So type
Speaker 3: threes are the achievers. Each type has kind of this
Speaker 3: title that goes along with it, and of course there's
Speaker 3: so much you can read about each type, but type
Speaker 3: threes are known to be the achievers. There's a lot
Speaker 3: that that means, but that they were most likely to
Speaker 3: report that they felt very motivated by money, with forty
Speaker 3: one percent claiming that it was an important driver in
Speaker 3: their decision making. Of course, threes who are historically achievers
Speaker 3: can be intensely focused on obtaining success, so of course
Speaker 3: it makes sense that their salaries and savings is one
Speaker 3: of those ways to define that level of accomplishment and
Speaker 3: achieving by having a big salary, a hefty bank account,
Speaker 3: maybe even saying yes to certain things just because of
Speaker 3: the monetary amount attached to a job or or doing xyz.
Speaker 4: Is yeah, motivated by money?
Speaker 5: Mm hmm.
Speaker 1: All right, so the next one is most likely to
Speaker 1: report they were not motivated by money. That's all drum roll.
Speaker 1: Type four So money isn't everything, but it does help
Speaker 1: us do more. That's what the article says. The type
Speaker 1: that was most likely to say they weren't motivated at
Speaker 1: altar and we're fours. The individualists are not materialistic and
Speaker 1: are perhaps more comfortable defining themselves by their uniqueness and
Speaker 1: not their paychecks.
Speaker 4: So beautiful people.
Speaker 1: Trudy also has an infographic about these financial habits, and
Speaker 1: while it says fours are the most likely to report
Speaker 1: they're not motivated by money at all. Nines are the
Speaker 1: least likely to say money is a very important motivator
Speaker 1: in their lives. So I would say four, four, and
Speaker 1: nine are pretty similar on this.
Speaker 3: Yeah, the next statistic on here, where it said twenty
Speaker 3: three percent splurge the most on media like streaming and gaming.
Speaker 3: The ones who answered in that way was anyagram number five,
Speaker 3: So this does kind of line up with what they describe.
Speaker 3: Aniagram fives are kind of very deep in thought, maybe
Speaker 3: a little bit more isolating, introverted type. Where they are
Speaker 3: spending most of their discretionary cash at least is the
Speaker 3: way that they're reporting on things like media, music, streaming, gaming,
Speaker 3: that's where most That's where those who are anagram fives
Speaker 3: reported spending most of their splurges on.
Speaker 1: Instead of like clothing and travel in dining, which is
Speaker 1: what other types are more likely to spend their discretionary cash.
Speaker 1: So all right, and then the last one for this article,
Speaker 1: we're going to spend much more time in the next one.
Speaker 1: Forty four percent said they were happiest about experience purchases.
Speaker 1: So it's not just all millennials who prioritize experiences over things,
Speaker 1: but it's especially millennials that are drumroll please, type seven.
Speaker 1: So every other type besides sevens said they were most
Speaker 1: happy with purchases they made that were useful true to
Speaker 1: their personality, as inventurers. Sevens claim experience purchases were their
Speaker 1: best use of funds. So I do trust this survey,
Speaker 1: but I also will say the caveat is that I
Speaker 1: assume most of these people already know their Enneagram and
Speaker 1: have been told so if they got seven, they were
Speaker 1: told they value experiences over things, and so they're living
Speaker 1: into that. But also taking into consideration they took a
Speaker 1: test and told the test that they enjoy experiences. So
Speaker 1: it's like what came first, the chicken or the egg,
Speaker 1: the personality or the personality test? Who knows, but we're
Speaker 1: gonna hope that the personality came first.
Speaker 3: And if you are an Enneagram type two and eight
Speaker 3: and you did not hear your number called out in
Speaker 3: these survey results, blame truity. But also we'll get into
Speaker 3: our next article. They didn't hear specific things on you know,
Speaker 3: like most likely too, but we're gonna talk about each
Speaker 3: type in the night.
Speaker 1: They do have it in the infographic. Oh do they so, yeah,
Speaker 1: so type two, but they just didn't come with like
Speaker 1: any percentages or anything. But two's spend the most discretionary
Speaker 1: cash on clothing and dining. So you eat good and
Speaker 1: you look good. Twos, thank you, and you just are
Speaker 1: good people.
Speaker 3: Twos two's are the most interested in the in the
Speaker 3: enneagram because they.
Speaker 4: Are the best people.
Speaker 3: So they're the ones who are like, yeah, yeah, yeah,
Speaker 3: we love the enneagram. What's your Enneagram number? And it's
Speaker 3: really because two is like the epitome of being a
Speaker 3: good human. So you know, the Enneagram's great for them
Speaker 3: because it reveals such beautiful things about them. For the
Speaker 3: rest of us who are told we're like a three.
Speaker 3: She's talking to pennicular two. I mean, Sharon Mangham, I
Speaker 3: see you any two that have ever met. They're selfless,
Speaker 3: they care about others, they're great friends. They're not money motivated.
Speaker 3: They're up there with Mother Teresa. Mother Teresa is a.
Speaker 1: Two, but like a good looking mother Teresa with like
Speaker 1: nice clothes.
Speaker 3: Yeah, I mean, we don't know what Mother Teresa looked
Speaker 3: like in her twenties.
Speaker 1: We kind of do, I think some people do. Yeah,
Speaker 1: and then eights, So they're grouped in with threes. Eights
Speaker 1: and threes are the most likely types to earn six
Speaker 1: figures or more per year. So hey girl, hey we
Speaker 1: will yes, all right, So those are the survey responses.
Speaker 1: Those are the results. So let's dig into our next article,
Speaker 1: how to improve your finances based on your Enneagram type.
Speaker 1: And this comes to us from Dollar sprout Man, but
Speaker 1: more specifically, Jen Jen, I wrote, comes from Jen. Yeah,
Speaker 1: I wrote it four dollars. Yeah, I wrote it four
Speaker 1: dollars sprout.
Speaker 4: So while we're not experts, we are researchers.
Speaker 1: Yes. So I didn't say I was totally unfamiliar with
Speaker 1: the Enneagram. I just don't. I'm not obsessed with it.
Speaker 1: But I was really interested in discovering the correlation between
Speaker 1: personality types and spending and budgeting. So what did you
Speaker 1: think of this article, Jill? Be honest, I.
Speaker 4: Thought it was amazing so good. Wow.
Speaker 3: No, truly though, I think that it gave a really
Speaker 3: great overview. First of all, it does come with an infographic,
Speaker 3: which we all love. We love pictures. That really kind
Speaker 3: of gives an overview of each Enneagram type and what
Speaker 3: that type means for your spending. But then you give
Speaker 3: just a really digestible segment on each one of these
Speaker 3: Enneagram types. How does this Enneagram type relate to money?
Speaker 3: And then what does that mean about spending and saving?
Speaker 3: And maybe one or two things that that type could
Speaker 3: try in order to improve their spending and the way
Speaker 3: that they spend. So we're going to go through all
Speaker 3: of them so that all of you really quickly and
Speaker 3: known number one the reformer aka the budget lover. If
Speaker 3: we were to describe each of these Enneagram types in
Speaker 3: a different way than their typical title, So ones tend
Speaker 3: to be rational, self controlled, maybe even airing on the
Speaker 3: side of perfectionists. They may suppress their own needs and
Speaker 3: desires to show others that they have it all together.
Speaker 3: They may also suffer from a harsh inner critic, and
Speaker 3: so this very kind of black and white view of
Speaker 3: the world can make them really good at budgeting. That
Speaker 3: kind of perfectionist thing helps you to really do.
Speaker 4: Really well on the spreadsheets, which is great.
Speaker 3: But so the drive for perfection can motivate the one
Speaker 3: to stay under budget in every single category. And I
Speaker 3: like some of the examples that you give throughout here.
Speaker 3: This one girl Brittany shared in Our Family Budget, My
Speaker 3: husband and I each have one hundred dollars to spend
Speaker 3: as discretionary money every month. I have a hard time
Speaker 3: spending my money. I'm not a one, but I can
Speaker 3: relate to this. So one of the things that type
Speaker 3: ones can do to improve their spending is by making
Speaker 3: sure that their budgets include the things that they value,
Speaker 3: giving themselves permission to spend money on them, and that
Speaker 3: that coincides with that kind of harsh inner critic being
Speaker 3: able to speak kindly to yourself, learning what that looks like,
Speaker 3: and being able to give yourself permission to spend, especially
Speaker 3: if it's attached to the things that you value. We've
Speaker 3: got plenty of other episodes on identifying how to learn
Speaker 3: what you value so that you can keep finding that
Speaker 3: permission for yourself.
Speaker 1: Yes, number two is the helper aka the giver. So
Speaker 1: two's are the best people in the world. They are caring, helpful,
Speaker 1: relationship oriented, and their desire to be needed and appreciate
Speaker 1: that appreciated lead them to generously give money and time
Speaker 1: to family, friends, and causes they care about. So when
Speaker 1: done well, this is genuinely helpful. But you do if
Speaker 1: you were too. You have to start evaluating the people
Speaker 1: and causes you want to support, because if you are
Speaker 1: not taking care of yourself, so investing for retirement for
Speaker 1: kids college fun a two parent probably doesn't have to
Speaker 1: be told to give to their kids college from but
Speaker 1: especially your retirement and being intentional with your time to
Speaker 1: make sure that you are working to increase your income
Speaker 1: and working on your own career. Make sure you were
Speaker 1: taking time and energy for those things before. You are
Speaker 1: helping other people, and you may not be able to
Speaker 1: help everybody to the extent that you want, but make
Speaker 1: sure you are. Once you take care of you, you
Speaker 1: are taking care of the thing that you care most about.
Speaker 3: Yeah, twos can hemorrhage kindness to the point where it
Speaker 3: can hurt themselves. So yeah, really keeping track of what's
Speaker 3: it costing you and are you being sure to care
Speaker 3: for yourself in the process.
Speaker 4: The next one.
Speaker 3: Number, Threes are the achievers or maybe the status spenders.
Speaker 3: Threes are historically goal oriented, driven, adaptive, wanting to achieve.
Speaker 3: Maybe threes prefer to spend money on things that might
Speaker 3: impress or increase their status or kind of how they're
Speaker 3: going to appear to others and even maybe themselves as well.
Speaker 3: Whatever they perceive as achieving and achieving those goals. So
Speaker 3: threes who spend money to maintain an image of success
Speaker 3: and luxury can run the risk of racking up a
Speaker 3: lot of debt, especially if their income doesn't keep up
Speaker 3: with their lifestyle.
Speaker 4: So if this is.
Speaker 3: You and your A three, you can improve your finances
Speaker 3: and you're spending by tracking your income, what are you
Speaker 3: actually bringing in and following a spending plan. Now that
Speaker 3: won't be too hard for an achiever because achieving that
Speaker 3: goal around money is also very possible for A three,
Speaker 3: So that's they've got that going for them. But making
Speaker 3: sure to incorporate your savings goals into your monthly budget
Speaker 3: as well as lifestyle goals so you can value luxury things.
Speaker 3: You can value whatever aligns with you being A three,
Speaker 3: but ensuring that it fits within your spending plan and
Speaker 3: the income you're bringing in regularly.
Speaker 1: Yeah, achievers also have to be aware of buying like
Speaker 1: things with money versus by like buying your time so
Speaker 1: that you can spend more time on the things that
Speaker 1: don't cost money. So while it's great to achieve, achieve,
Speaker 1: achieve goals, there are some things that you will miss
Speaker 1: if you are so consumed with those goals, and so
Speaker 1: that is a point of unhealth. If you get too
Speaker 1: consumed with your goals and achievement, you miss out on
Speaker 1: other things.
Speaker 4: So inability to celebrate along the way.
Speaker 1: Cann yeah, yeah, all right. Number four is the individualist,
Speaker 1: aka the emotional spender. Now, every type of personality spends
Speaker 1: emotionally in some way or another. Fores are idealistic, expressive, original,
Speaker 1: always searching for what's missing, either internally or in the relationships.
Speaker 1: And many express themselves well through art. And then because
Speaker 1: of the sense that there's this void to fill, fors
Speaker 1: can sometimes be more prone to emotional spending, so buying
Speaker 1: things to make you feel happy or validated, so buying
Speaker 1: things as a treat after a successful day or a
Speaker 1: long day, or for vacation. So find ways to express
Speaker 1: yourself that do not cause do not cost money. If
Speaker 1: you're a four, So if you are prone to go
Speaker 1: on shopping sprees when you are feeling heightened emotions, whether
Speaker 1: they're positive organ at negative, decide now what kind of
Speaker 1: free ways you want to express yourself or celebrate those things,
Speaker 1: so that you're not always spent over spending every time
Speaker 1: emotions kind of go up or down.
Speaker 3: So yeah, utilize that creativity to find other outlets.
Speaker 4: All right.
Speaker 3: Number fives are the investigators or the deal seekers. Fives
Speaker 3: are often analytical, innovative, and can often isolate, so they're
Speaker 3: motivated by gaining knowledge improving self sufficiency to protect themselves
Speaker 3: and their resources from uncertainty. Fives are naturally great at
Speaker 3: budgeting kind of understanding how to allocate resources, but when
Speaker 3: they do have to spend money, sometimes their attention to
Speaker 3: detail and research skills make them great at optimizing every dollar.
Speaker 3: But sometimes it can be just for the sake of
Speaker 3: the deal. And so one of the things that fives
Speaker 3: will need to be paying attention to to improve spending
Speaker 3: is really evaluating the purchase, whether it's actually a need
Speaker 3: or aligns with your values or has been a part
Speaker 3: of the plan, or if it's just a great deal.
Speaker 3: You can save a lot of money with a good deal,
Speaker 3: but not spending money can save even more so just
Speaker 3: being aware of what is the motivator behind spending right now?
Speaker 3: Is it just because it's a really good dealer, Is
Speaker 3: it actually something that's within the plan, something I need
Speaker 3: or want or aligned.
Speaker 4: With my values. So that's what the fives can focus
Speaker 4: on I can.
Speaker 1: I can also see fives getting very deep into travel hacking,
Speaker 1: like having twenty credit cards and knowing which card does
Speaker 1: what where and max optimizing travel hacking points to like
Speaker 1: hundreds of thousands of points and then yeah, being really
Speaker 1: good at that. So we're feeling like going to.
Speaker 3: Curse failure if you didn't optimize it all you oh
Speaker 3: yeah something and you didn't get the deal because you
Speaker 3: are so analytical and innovative and research driven that sometimes
Speaker 3: that can be a pain point.
Speaker 4: But again, give yourself permission. It's okay if you yeah,
Speaker 4: do all of the things. Uh.
Speaker 1: Six is the loyalist aka the saver. So sixes are
Speaker 1: hard working, responsible, and trustworthy. They are loyal to a
Speaker 1: fault and will fiercely defend the people they care about.
Speaker 1: Sixes believe that if anything can go wrong, it will,
Speaker 1: and it's that belief that leads them to enjoy saving
Speaker 1: their money more than any other personality type. So says
Speaker 1: here the six is well I wrote it, but I
Speaker 1: in my research I found the six is the only
Speaker 1: aneagram type that has two variants when it comes to
Speaker 1: how they deal with fear. So phobic sixes are loyal
Speaker 1: to systems and belief and run from fear. Counter Phobic
Speaker 1: sixes are loyal to the idea that all systems and
Speaker 1: beliefs should be questioned and they'll seek out things they
Speaker 1: fear in hopes of conquering them, which seems so opposite
Speaker 1: but is the same type, which is crazy. But interviewed
Speaker 1: one a nyagram six that said, I tend to save
Speaker 1: and prep for some downturn I know is coming. My
Speaker 1: counterphobic nature has also led me to seek financial security
Speaker 1: through alternative investments that are on the fringe. So it's
Speaker 1: kind of this like if you felt like you have
Speaker 1: this kind of like bipolarism with money, that's actually very
Speaker 1: normal for a type six. So the best advice that
Speaker 1: we can give give is, if you're a six, find
Speaker 1: comfort doing the math to determine how prepared you really are.
Speaker 1: Use an emergency fund calculator. Prepare, but also don't go
Speaker 1: off the deep end. So evaluate what your actions are.
Speaker 1: Don't be too fearful, don't be too risky, or if
Speaker 1: you want to be a little risky, make sure it's
Speaker 1: in proportion to what you already have saved. So if
Speaker 1: you're taking five percent of your money into very risky investments.
Speaker 1: That's fine because it's five percent of your money, but
Speaker 1: don't be doing with fifty percent.
Speaker 4: Number sevens. You're the enthusiast. You know who you are.
Speaker 3: If you're a seven, you know it through and through
Speaker 3: aka the impulsive spender. Sevens are spontaneous, busy, optimistic, They
Speaker 3: are fun. Holy smokes, if there's a seven in the room,
Speaker 3: you know it. They have enthusiasm for adventure, they love
Speaker 3: trying new things. But also because of the sevens can
Speaker 3: bore easily, which can lead them to spend impulsively on
Speaker 3: travel or new experiences. And so keeping this in mind
Speaker 3: is going to be key for the seven in spending
Speaker 3: better that if you are in Enneagram seven, you can
Speaker 3: improve your spending by defining your why and using that
Speaker 3: as motivation. If you can really connect to some of
Speaker 3: the core of what you want out of life or
Speaker 3: even this season, that can really help you to stick
Speaker 3: to whatever your current spending plan is, not to the
Speaker 3: exclusion of fun and spontaneity, but really keying into the
Speaker 3: fact that that's something that you value and making sure
Speaker 3: that there's room for that. I do think sevens can
Speaker 3: really relate to and resonate with find comfort in a
Speaker 3: values based spending plan. So figure out what that looks
Speaker 3: like for you, and give yourself space within that spending
Speaker 3: plan for some of that.
Speaker 1: Spontaneity and impulsive spending is not the enemy necessarily. If
Speaker 1: you are somebody who loves spontaneity, you don't have to
Speaker 1: bury that part of yourself to be a conscious consumer.
Speaker 1: You can budget for spontaneity. You can have a sinking
Speaker 1: fund that is that you put money away for that's
Speaker 1: just like, you know what, when when something last minute
Speaker 1: comes up and I really want to do it, or
Speaker 1: there's a last minute sale on something that I really want,
Speaker 1: this is my sinking fund for spontaneity, so that I
Speaker 1: don't have to have every little thing planned out because
Speaker 1: that's not super fun either. But so yeah, don't push
Speaker 1: down that spontaneous impulsivity, just have control over it. Next
Speaker 1: is eight the challenger aka the stock piler. Eights are
Speaker 1: self confident, decisive, and protective of others. Type eight personalities
Speaker 1: value being in control of their situation, which leads many
Speaker 1: of them to desire financial independence. That desire can also
Speaker 1: lead to stockpiling things that make them less reliant on
Speaker 1: other people. So eights are always prepared to spend money
Speaker 1: on keeping their pantry stock, buying tools for DIY projects,
Speaker 1: YadA YadA. As an eight, you may benefit from becoming
Speaker 1: more inter dependent. So you've got independent down. Let's focus
Speaker 1: on community. Let's focus on taking the un comfortable step
Speaker 1: to ask some like ask your people if you can
Speaker 1: borrow something that you need before immediately going to buy
Speaker 1: it on the internet. See if any like join a
Speaker 1: buy nothing group to share what you have, uh, and
Speaker 1: to accept things from other people, knowing that it is
Speaker 1: not charity. Not all acceptance of gifts are charity. But
Speaker 1: being interdependent on each other doesn't make you weaker, it
Speaker 1: makes you stronger. So that's for.
Speaker 4: Aids mm hmm.
Speaker 3: If you're an eighth though, you probably aren't even into
Speaker 3: the enneagram.
Speaker 4: You may not even be listening to this. The challengers
Speaker 4: they're just like, yeah, figure it out.
Speaker 1: I'm gonna keep that, keep that in your mind for
Speaker 1: later the story.
Speaker 3: I'm gonna Okay, last, but certainly not least, you number nines.
Speaker 3: You're also so amazing, you peacemakers.
Speaker 4: You're not as into the enneagram.
Speaker 3: As my two's over here, because the nines are just
Speaker 3: like whatever you all think I am and how you
Speaker 3: see the world. Okay, you are the people pleasers. That
Speaker 3: doesn't mean necessarily that you're pushovers, but you are easy
Speaker 3: going inclusive can sometimes be indecisive. Nines will definitely put others'
Speaker 3: needs and desires first to keep the peace. They may
Speaker 3: even suppress, sometimes even not fully knowingly, their desires or feelings.
Speaker 3: This was interesting. I did not know this about nines,
Speaker 3: but that suppression can sometimes be in the form of
Speaker 3: food or drink or entertainment, which makes you fun. Nines
Speaker 3: tend to have difficulty saying no and often agree to
Speaker 3: things they don't want to do, which include spending money.
Speaker 3: So nines may go to dinner or on vacation or
Speaker 3: anywhere else with their friends and family without maybe considering
Speaker 3: if that's what they actually want to do or what
Speaker 3: they want to spend their money on. So, if you
Speaker 3: are a nine again going to come back to that
Speaker 3: values based spending, consider really exploring your own desires, needs, wants,
Speaker 3: and what you actually are interested in spending money in
Speaker 3: when and how and how much and come to a
Speaker 3: really clear understanding of yourself in that way, and then
Speaker 3: practice exerting a little bit more autonomy in decision making
Speaker 3: around finances. This is not easily done, especially for our nines,
Speaker 3: so taking small steps in this way would be the recommendation.
Speaker 3: Start with your closest friends, maybe than those who are
Speaker 3: aware of the enneagram and know your Aneagram type and
Speaker 3: are wanting to champion you in using your voice and
Speaker 3: speaking your mind and not just going with the flow.
Speaker 3: Practice on them saying what it is that your preference
Speaker 3: would be if you were to.
Speaker 4: Go out or do something or stay in.
Speaker 3: So try small ways to speak, speak your mind, speak
Speaker 3: your voice.
Speaker 1: Yes, And if you have friends, if you guys are
Speaker 1: all into the Aneagram or at least know your type,
Speaker 1: then you can use the Enneagram to be better aware
Speaker 1: of the situations of the people around you, how the
Speaker 1: people around you are thinking. And I know that's a
Speaker 1: big thing with the Enneagram is to be serving others
Speaker 1: in the way that they are best served and helped
Speaker 1: and helping them grow in the way that they need
Speaker 1: to and become healthy in the ways that they are
Speaker 1: prone to unhealth. So take care of your people. This
Speaker 1: is just another time pool in your belt to do that.
Speaker 1: So we don't need to tell the nine that they're
Speaker 1: already in Take care of their people.
Speaker 3: Do you know what speaks to everyone and is open
Speaker 3: to all enneogram types.
Speaker 1: Is wing all of the above?
Speaker 6: Wing it the bill of the week.
Speaker 2: That's right, It's time for the best minute of your
Speaker 2: entire week. Maybe a baby was born and his name
Speaker 2: is William.
Speaker 4: Maybe you paid off your mortgage, Maybe.
Speaker 2: Your car died, and you're happy to not have to
Speaker 2: pay that bill anymore. Duck bills, Buffalo bills, Bill Clinton,
Speaker 2: this is the bill.
Speaker 4: Of the week.
Speaker 5: Hey, y'all, it's Corey. I wanted to call in and
Speaker 5: just let you know that I was able to pay
Speaker 5: off my second student loan with my tax returns, so
Speaker 5: now I only have one left to focus on, and
Speaker 5: my plan is to have the minimum payments for my
Speaker 5: first two loans that I've already paid off go towards
Speaker 5: my last one, so I'll be able to drastically change
Speaker 5: the term of that loan by focusing everything and all
Speaker 5: those resources to that final one. Thank you for everything,
Speaker 5: and I hope you guys have a great day.
Speaker 1: Yes, congratulations, Corey. You've been working so hard on that.
Speaker 1: We are so proud of you.
Speaker 3: This is so exciting, especially when you can see each
Speaker 3: one being chipped away at and utilizing some of that
Speaker 3: additional money like a tax return in some really wise
Speaker 3: ways to get rid of these student loans, and how
Speaker 3: amazing that will feel when that final one is completely gone.
Speaker 3: We are celebrating with you along the way and looking
Speaker 3: forward to celebrating with you when it's all gone. If
Speaker 3: you all listening, have a bill for us? If it's
Speaker 3: about paying down bills, bills you don't mind paying. What
Speaker 3: it's like to be a person whose name is Bill.
Speaker 3: If you just got a pet and you're unsure what
Speaker 3: to name it and you want us to convince you
Speaker 3: to call it Bill, go to Frugal friendspodcast dot com
Speaker 3: slash Bill, leave us your bill hmm, and now it's
Speaker 3: time for them.
Speaker 1: Yes, Today's Lightning Round is actually a question from Reddit
Speaker 1: that Goldie goot and uh amended for this episode. It's
Speaker 1: the what's the most your type? Your type? In quote?
Speaker 1: What's the most your type thing you've done that relates
Speaker 1: to saving or spending?
Speaker 6: Hell?
Speaker 1: Uh, first, Jill, what is your type?
Speaker 4: So this is this is there? Hurtle? This is the
Speaker 4: hangar Jen, Now I don't know.
Speaker 1: And taking a grain of salt, what do you think?
Speaker 4: Okay? I am either A three, five or eight.
Speaker 3: Okay, so I'm sure someone could be like, you know
Speaker 3: who's super taking a deep dive. They're like, well, then, yes,
Speaker 3: you're a five, and you wing three on Tuesdays and Fridays,
Speaker 3: and you're in eight on this day of the moon cycle,
Speaker 3: and when you're in a house zero one. So uh,
Speaker 3: let's see.
Speaker 4: I don't know.
Speaker 3: Okay, here's something. Here's something I'm doing right now. I
Speaker 3: don't know if I'm doing it for status, for achievement,
Speaker 3: for power in control, for my own stockpiling desires. But
Speaker 3: I do create a meal plan. I've been now been
Speaker 3: doing this since January twenty twenty three.
Speaker 4: And where are we at. We're deep into the.
Speaker 3: Summer of twenty twenty three, so half the year I've
Speaker 3: been doing a meal plan. I plan my meals for
Speaker 3: two weeks at a time, breakfast, lunch, and dinner. I
Speaker 3: know how most meal plans have just dinner. I don't
Speaker 3: know why, because the rest of the world really still
Speaker 3: eats breakfast and lunch. But I have a two week
Speaker 3: meal plan on my fridge. What breakfast, lunch, and dinner
Speaker 3: is going to be every day? I mean, you know me,
Speaker 3: breakfast every day is a smoothie from my vitam X,
Speaker 3: So don't get it twisted.
Speaker 4: I don't even write that down. That's just the plan always,
Speaker 4: so there it is.
Speaker 3: I think that that's a type. That's probably a thing.
Speaker 3: That's a type. I don't know if that's because I'm
Speaker 3: a three, five, or eight, but.
Speaker 1: I don't think you're a five. I think you're a
Speaker 1: three or an eight.
Speaker 3: The last time time I took it, it said a five.
Speaker 3: And there's a lot that I relate to with five's,
Speaker 3: but I'm not a gamer. Hmm, well, I'm probably Yeah,
Speaker 3: I'm probably a little bit more a three or eight,
Speaker 3: but a lot of the very core things of threes
Speaker 3: I don't relate to.
Speaker 4: You know me, I'm eating hot dogs, not buying Chanelle, so.
Speaker 3: I couldn't care less. Yes, And that's the most eight
Speaker 3: thing for me to say. And yet the most five
Speaker 3: or two thing I've done is never make more than
Speaker 3: fifty thousand dollars here, like I don't know, I'm all
Speaker 3: over the place. Back to you, Jen, tell me what's
Speaker 3: wrong with you?
Speaker 1: A ditto Sames absolutely the same, We are the same.
Speaker 1: I think I'm either a three or an eight. Okay,
Speaker 1: And here's that story that you've been waiting all episode for.
Speaker 1: So I thought I was a three. I was like, okay,
Speaker 1: I'm a three whatever.
Speaker 6: Uh.
Speaker 1: And then I went to this business like mastermind retreat
Speaker 1: with a bunch of people I didn't know, and this
Speaker 1: one girl who was super into the enneagram. After talking
Speaker 1: to me for thirty minutes, she was like, you're an eight.
Speaker 1: And I was like, you don't know me.
Speaker 4: She's like, and why you're an eight? Yeah?
Speaker 1: And so she was just like all this, like you're
Speaker 1: an eight, you're an eight, you're an eight. And I
Speaker 1: was like, I don't think so I am. I don't
Speaker 1: like you.
Speaker 4: You can't fit me in. I'm different.
Speaker 1: Mm hmm. Yeah. It was so off putting how she
Speaker 1: was very aggressive with how much she thought I was
Speaker 1: an eight, and I was very angry with how much
Speaker 1: she was, how presumptuous she was.
Speaker 3: And that anger lasted a while because you came to
Speaker 3: my house after that retreat and we chatted about this
Speaker 3: for about an hour.
Speaker 4: I do remember this.
Speaker 1: I was just so, I was like, well, the audacity.
Speaker 1: You read a book about personality tests, and now you're
Speaker 1: trying to tell me who I am.
Speaker 3: Like, I what nerve and now true, any a grammars,
Speaker 3: like the ones who have gone through the certification are
Speaker 3: going to say, oh see, that's a misuse of it,
Speaker 3: because this does get on people's nerves of just trying
Speaker 3: to label those around you versus just looking at what
Speaker 3: am I and how can it inform me to be
Speaker 3: the best version of myself?
Speaker 1: Yes, so, but I did get home and read about
Speaker 1: the eight and I was like, shoot, I think I'm
Speaker 1: nate and so maybe that story right there is the
Speaker 1: most eight thing that I've ever done.
Speaker 4: It's yeah, but how does that relate to your money?
Speaker 1: I paid money for that retreat? Uh? Yeah, I don't know.
Speaker 1: I will maybe spend money to be different. I don't
Speaker 1: like I'm I love to achieve, but I do. I'm
Speaker 1: not a status spender, but I do love it. I
Speaker 1: do love buying something quality and the thought that is,
Speaker 1: uh man, people will think I'm successful, like if they
Speaker 1: see me with this and I like that, but little
Speaker 1: do they know, you know.
Speaker 4: So I picked this up on the side of the road.
Speaker 4: So there's that.
Speaker 1: But I think it's probably more of a like, I'm
Speaker 1: probably more of an eight, and I I am definitely
Speaker 1: highly motivated by money. So it's I love money, and
Speaker 1: I think I say that a lot, and that's why
Speaker 1: I do what I do.
Speaker 4: So I'm not conscious.
Speaker 1: Probably I'm not image conscious, but I do love money.
Speaker 1: It's why we have ads on the show. It's why
Speaker 1: we don't do the show for free. Like I mean,
Speaker 1: it's free for list, it's free for you. Yeah, but
Speaker 1: like I get paid, Like, I wouldn't do this show
Speaker 1: if I wasn't getting paid because and I hang out
Speaker 1: all the time for free, like without having.
Speaker 3: A gena about I don't, I would probably keep doing
Speaker 3: it because I just get to hang out with Jen.
Speaker 3: I would stop immediately if they weren't paying me to
Speaker 3: talk to you, I.
Speaker 1: Wouldn't stop hanging out with you. I would stop doing
Speaker 1: the show. Okay, well and just hang out with you.
Speaker 4: Glad we're getting paid to do this.
Speaker 3: Wow, thanks so much for being here and listening, my fellows,
Speaker 3: Google friends, Holy smokes. If you made it through this
Speaker 3: whole thing, just thank you. Ultimate gratitude. If you have
Speaker 3: something to say, email us and don't tell us what you're.
Speaker 4: Thanking you it.
Speaker 1: Tell us, tell us who we are. Pop into our
Speaker 1: dms and tell us who we are.
Speaker 4: If you are enegrams.
Speaker 3: Yeah, either way, hopefully you've got some helpful spending spending
Speaker 3: tips depending on your personality type. So many of you
Speaker 3: know that we have a membership for our listeners who
Speaker 3: are paying off debt. We've got all sorts of Anyagram
Speaker 3: numbers in that membership.
Speaker 4: I don't know.
Speaker 3: I'm just going out on a limb because there's different
Speaker 3: people in there, so most likely they have different personalities.
Speaker 3: But we're doing monthly money challenges and offering accountability groups,
Speaker 3: which is good for every type of any agreat number
Speaker 3: and person, and we want to congratulate one of our
Speaker 3: members for a big win. This comes from Emmers and
Speaker 3: who shared. I'm definitely more mindful of my spending and
Speaker 3: focusing on minimalism has really helped. Getting rid of things
Speaker 3: and focusing on not letting more accumulate has given me
Speaker 3: a new perspective on spending. I'm also working towards paying
Speaker 3: off VET bills and saving for when more VET bills come,
Speaker 3: and not impulse spending has helped, plus saving for when
Speaker 3: I am off work post procedure. We're all get paid less.
Speaker 3: I feel like I'm being more insightful about where my
Speaker 3: money is going, although I still have purchased some things
Speaker 3: I feel like I maybe didn't need, but it definitely
Speaker 3: has decreased a lot. And you know what, we are
Speaker 3: here for progress over perfection.
Speaker 1: Amen, preach, Congrats emmers, you are on an awesome path.
Speaker 1: You are doing the most. We're so proud of you.
Speaker 3: If you want to surround yourself with people who are
Speaker 3: focused on the different ways to understand themselves and their spending,
Speaker 3: improve their spending and saving and habits, this membership is
Speaker 3: definitely a really great community. Again, We've got courses, interviews,
Speaker 3: challenges for those of you who like to gamify things.
Speaker 3: I'm looking at you, number sevens and so much more.
Speaker 3: Head to Frugal Friends podcast dot com slash club check it.
Speaker 1: Out, see you next time. Frugal Friends is produced by
Speaker 1: Eric sirianni.
Speaker 4: Ai.
Speaker 3: Yeah yeah, yeah, I mean I feel like if I
Speaker 3: if I related to an aniogram number more and more holy,
Speaker 3: if one really felt like it described me, I could
Speaker 3: see myself being more into the enniagram.
Speaker 4: I think that's been one of my biggest.
Speaker 3: Barriers is none of them feel quite right. So it's
Speaker 3: just like okay.
Speaker 4: Then I'll take a little and leave the rest and
Speaker 4: view it as a tool.
Speaker 3: But I'm also really glad for those who feel very
Speaker 3: aligned with a number and how it has really helped
Speaker 3: give them language to their experiences, show a pathway forward
Speaker 3: in relationship with others, or maybe they had previously experienced
Speaker 3: a lot of barriers in relationships.
Speaker 4: So cool tool.
Speaker 1: Mm hmmm.
Speaker 3: You and just broke the mold, which again is probably
Speaker 3: a classic Enneagram number thing to say.
Speaker 1: Probably do you know your Meyers Briggs?
Speaker 4: Oh that's another one. I don't know. Yeah, okay, so
Speaker 4: I do know.
Speaker 1: I am an I I n f J. Yeah, that's
Speaker 1: my Myers Briggs I n FJ. And from what I've read,
Speaker 1: it is the rarest type. So maybe that's why I'm
Speaker 1: more into that one, because I just feel rare, I
Speaker 1: feel different, which is probably a very eight thing. M Yeah,
Speaker 1: but I'm I'm definitely more into that one.
Speaker 3: And that's the thing like, if you're not going to
Speaker 3: connect with it, then it's only going to be frustrating
Speaker 3: and not a useful tool. So I feel like we
Speaker 3: only pick up tools that are useful otherwise what's the point.
Speaker 1: Yes, but I would love to make as much money
Speaker 1: as the aids to say that I should.
Speaker 4: I want to be a part of that's nastic.
Speaker 1: Yeah, they have the most high earners and that that's
Speaker 1: where I'd like to be.
Speaker 4: Yeah.
Speaker 1: So, and what would I do with the money? I
Speaker 1: don't know.
Speaker 4: I don't know.
Speaker 1: I just want to be there. Just like it.
Speaker 4: I just like it.
Speaker 1: Yeah, and that's what that's probably what's a good thing
Speaker 1: that we have to split everything that we make in half,
Speaker 1: or we would just get really big heads. We would
Speaker 1: make so much money, but we make the same salary
Speaker 1: and we split it in half.
Speaker 3: Yeah, Yeah, that's that's hard today. Tethered to being a two,
Speaker 3: four or four?
Speaker 1: Tethered to two. It's the name of your autobiography, Jill.
Speaker 1: Tethered to two coming this December.
Speaker 3: Where I surround myself by twos to offset all of
Speaker 3: the horrible tendencies I have.
Speaker 1: Yes, and I twos won't even like surround themselves with me.
Speaker 4: It's just.
Speaker 1: I spend to thirty minutes with me and they're like
Speaker 1: care bye. Yeah. I bet that girl that forced me
Speaker 1: into being an eight, she was probably a two. Maybe
Speaker 1: she was seven. Gosh, I don't even know the difference.
Speaker 4: I don't need I don't either.
Speaker 3: Look, we're just throwing numbers out we're gonna get ourselves.
Speaker 4: Canceled for sure, for sure, all right, I'll give you
Speaker 4: a number. It's canceled