The Key to Managing Money Successfully as a Couple is Understanding Each Other’s Money Personality

by 3 Aug 2021Money Management

Does this sound familiar?

To the outside world, you are a successful couple

But you don’t seem to be getting anywhere.

You want to start investing but have no idea where to start, you feel like you are constantly robbing Peter to pay Paul. Then there’s your superannuation.  You get the statements, but they get filed at the back of the drawer. It’s just another piece of paper on the ever-growing pile of statements you don’t understand.

The arguments over money are driving you apart and you’re not quite sure what to do about it. You want one thing. Your partner wants another.

And when you start the conversation about money and your future, they bottle up and refuse to talk about it. Sometimes it ends in an argument, and you just don’t understand why they won’t talk about money

How have you ended up in this position? I mean, you both work hard and earn decent money. How is it that your friends and family look to be doing so well? What are they doing differently? Surely, they aren’t sitting awake at night feeling sick to their stomachs about their finances.

If you just keep pushing through, things will get better … but will they?


Financial stress can cause immense emotional pain, and quite often, money issues can cause feelings of embarrassment and shame. We often see individuals ‘shielding’ their partner from the perceived financial burden. But here’s the thing; the best way to tackle financial stress is together. As a team. 

Money is a complex issue, attached to complex emotions. It’s why we see couples like the ones in our story above struggling to manage finances with their significant other. Every. Single. Day.

Here’s what we know: 

  • You aren’t alone–a lot of people struggle with finances. Every. Day.
  • You aren’t a failure–financial issues can strike anyone at any time
  • You shouldn’t go through this alone–there is support available

Ever noticed how some people instinctively save every penny while others can’t resist a good sale? Or have you ever wondered how the heck your friends always makes their money stretch out much further than you? It almost feels like a rigged Monopoly game of money trickery, right?

See, just like our unique personalities, we all have different traits when it comes to how we handle money. Here at Creo Wealth, we refer to this as money personalities. Some people are naturally spenders while others are savers. Some like to plan, and others enjoy a free-and-easy approach to money management.

Your money personality is created over years of experience, learnings, and beliefs. You start to form opinions and habits with money that are influenced by peers, parents, and family from the time you’re born. The thing is, there’s no ‘right’ money personality to have; each has elements of good and bad. The key is knowing your money personality, so you can finally understand why money has more control over your life than you would like, and how you can change that. 

Here’s the truth: there’s a fair chance your partner has a different money personality than yourself. And there’s even more chance that this can cause tension and stress in your relationship. You’re not alone; according to Relationships Australia research, financial stress is the number one cause of relationship breakdown. 

The key to managing money successfully as a couple is understanding each other’s money personality. When you understand each other’s money strengths and quirks, you can work together to plan and build your empire. Ultimately, your partner should be an ally, not an opponent. You should be a team. An unstoppable force. 

Let me guess …?

  • You want to finally take control of your moolah
  • You want to truly understand what makes you tick when it comes to money, why you have the feeling that you do around it, and how you can use those feelings to manage your funds a little wiser
  • You want a bright future–a successful one, that doesn’t include late nights stressing about bills and wise investments

We get it, because we’ve been there, and now we help people every day work through their finances in a simple, unboring way, so they can sleep at night knowing that their pennies are in a row.

But it starts with one crucial step: uncovering your money personality. It’s the tried and tested way of understanding why you see/handle the money you do, and how you can change that for financial success.

Ready to take the first step with us?


Important Information: This information is of a general nature only and has been prepared without taking into account your particular financial needs, circumstances and objectives. While every effort has been made to ensure the accuracy of the information, it is not guaranteed. You should obtain professional advice before acting on the information contained in this publication

Creo Wealth Pty Ltd ABN 96 605 894 415 is a Corporate Authorised Representative (No. 1236172) of ClearView Financial Advice Pty Limited ABN 89 133 593 012 AFS Licence No. 331367 GPO Box 4232, Sydney NSW 2001.

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Kylie is the Yin to Anthony’s Yang.

With a Diploma in Financial Planning, she’s spent over 25 years in the financial services industry, using her knowledge and skills to successfully weave an adoration of style and travel, alongside business, into her life.

While Kylie brings experience and knowledge from brands like ANZ, HSBC, Deutsche Bank and Merrill Lynch, she also brings heart and inspiration to Creo Wealth. This shows in how she manages the Creo Wealth team who feel appreciated by Kylie (oh, and Anthony too!)

But Kylie’s heart and inspiration doesn’t stop there. She’s a huge spender and certifiable shoe addict. This, along with her upbringing, means Kylie truly understands how hard it is to get in touch with your money story.

She’s on a mission to educate people to help them understand their money story. And then give them the tools to begin rewriting it. Kylie loves to use her stylish shoes to kick-start people’s confidence to set and reach their financial goals.

And the fun part for Kylie?

She always looks classy when she challenges Anthony for that last M&M.