How Any Personality Type Can Win with Money


Transcript

1
00:00:00,145 --> 00:00:00,978
- When it comes to money,

2
00:00:00,978 --> 00:00:04,038
do you ever feel like
you get in your own way?

3
00:00:04,038 --> 00:00:06,276
Well, in today's episode
we're going to talk all about

4
00:00:06,276 --> 00:00:09,681
how any personality
type can win with money.

5
00:00:09,681 --> 00:00:12,264
(upbeat music)

6
00:00:22,979 --> 00:00:25,737
Today I want to talk about you.

7
00:00:25,737 --> 00:00:28,766
Yes, you and how your personality type

8
00:00:28,766 --> 00:00:31,475
can actually help you win with money.

9
00:00:31,475 --> 00:00:35,115
So in this episode it is
all about our personalities

10
00:00:35,115 --> 00:00:37,676
and how they shape our money habits.

11
00:00:37,676 --> 00:00:41,200
So in a bit we're going to talk
to Enneagram expert Ian Cron,

12
00:00:41,200 --> 00:00:43,683
and if you don't know
what the Enneagram is,

13
00:00:43,683 --> 00:00:46,387
don't worry we'll get
into all of it later.

14
00:00:46,387 --> 00:00:49,564
But the Enneagram was a
total game changer for me,

15
00:00:49,564 --> 00:00:51,910
and Ian will explain our strengths

16
00:00:51,910 --> 00:00:54,506
and weaknesses when it comes to money.

17
00:00:54,506 --> 00:00:56,632
So, when you think about your personality,

18
00:00:56,632 --> 00:00:59,264
we all have money tendencies, okay?

19
00:00:59,264 --> 00:01:01,492
Some are good, some are bad,

20
00:01:01,492 --> 00:01:04,741
some take us closer to where
we want to be, while others,

21
00:01:04,741 --> 00:01:07,240
well, they kind of keep us
far away from our goals.

22
00:01:07,240 --> 00:01:08,573
But here at Ramsey Solutions,

23
00:01:08,573 --> 00:01:11,118
one of the things that we
found time and time again,

24
00:01:11,118 --> 00:01:14,153
is that over the years there
are kind of two spectrums

25
00:01:14,153 --> 00:01:15,730
of how people handle money.

26
00:01:15,730 --> 00:01:20,412
The first is, are you
naturally a Spender or a Saver?

27
00:01:20,412 --> 00:01:22,013
This is kind of self-explanatory,

28
00:01:22,013 --> 00:01:24,630
you can probably quickly
identify which one you are.

29
00:01:24,630 --> 00:01:27,792
Like, do you just enjoy
spending money? Like, it's fun.

30
00:01:27,792 --> 00:01:29,774
Well if that's you, I'm you.

31
00:01:29,774 --> 00:01:32,413
I'm a Spender, naturally,
I just love spending money.

32
00:01:32,413 --> 00:01:35,962
I'm good with it, it's fun,
it's freeing, it's great.

33
00:01:35,962 --> 00:01:39,538
The second group of people, it's
a little bit more like, okay, you know

34
00:01:39,538 --> 00:01:42,404
I'm a Saver, and I just
feel better if I get some

35
00:01:42,404 --> 00:01:44,403
extra cash I'm probably going to
just put it away for later.

36
00:01:44,403 --> 00:01:46,300
You just don't feel the
need to spend it right away.

37
00:01:46,300 --> 00:01:48,087
Then you're a Saver, but
to know where you are

38
00:01:48,087 --> 00:01:49,891
on the spectrum is really key.

39
00:01:49,891 --> 00:01:54,102
Now the second spectrum is,
are you a Nerd or Free Spirit?

40
00:01:54,102 --> 00:01:55,708
Now in Financial Peace University,

41
00:01:55,708 --> 00:01:57,280
which is our nine-week course,

42
00:01:57,280 --> 00:01:58,809
if you've not gone through it people,

43
00:01:58,809 --> 00:01:59,642
you need to go through it.

44
00:01:59,642 --> 00:02:01,659
But we really explain this in detail.

45
00:02:01,659 --> 00:02:03,849
Because there are two types of people

46
00:02:03,849 --> 00:02:06,223
when it comes to money
and especially budgets.

47
00:02:06,223 --> 00:02:08,066
Again, the Nerd and the Free Spirit.

48
00:02:08,066 --> 00:02:10,991
The Nerd loves to do the budget.

49
00:02:10,991 --> 00:02:13,134
Okay, the Nerd is one of
those people that like,

50
00:02:13,134 --> 00:02:14,512
I feel organized all the time,

51
00:02:14,512 --> 00:02:17,649
I love details, I like being in control,

52
00:02:17,649 --> 00:02:19,990
I get stressed out if I
don't know what's happening.

53
00:02:19,990 --> 00:02:23,148
Everything is just so lined
up, and it's just, yes!

54
00:02:23,148 --> 00:02:24,786
And especially with your
money, you're the one probably

55
00:02:24,786 --> 00:02:27,584
with spreadsheets or you,
you love doing the budget!

56
00:02:27,584 --> 00:02:28,620
It's like yes!

57
00:02:28,620 --> 00:02:30,046
That's the Nerd.

58
00:02:30,046 --> 00:02:33,440
Now, on the other spectrum
it's the Free Spirits, over

59
00:02:33,440 --> 00:02:36,434
here. And listen, I'm a Free Spirit

60
00:02:36,434 --> 00:02:38,486
so I can speak from personal experience.

61
00:02:38,486 --> 00:02:39,972
We're the best!

62
00:02:39,972 --> 00:02:40,805
I'm just kidding!

63
00:02:40,805 --> 00:02:45,759
No, but Free Spirits listen,
we're just not as worried.

64
00:02:45,759 --> 00:02:47,696
Everything is going to work out.

65
00:02:47,696 --> 00:02:50,395
Budgets, you know, a budget feels
kind of restricting

66
00:02:50,395 --> 00:02:53,712
or confining at first,
and generally speaking

67
00:02:53,712 --> 00:02:56,137
Free Spirits, yes we want the basics

68
00:02:56,137 --> 00:02:58,472
taken care of, of course,
but we want to have some fun,

69
00:02:58,472 --> 00:03:00,909
and it's all going to work out.

70
00:03:00,909 --> 00:03:01,980
That's a Free Spirit.

71
00:03:01,980 --> 00:03:05,796
So, figuring out which one
you are is really important.

72
00:03:05,796 --> 00:03:07,879
And so I decided to go
into my Facebook group

73
00:03:07,879 --> 00:03:09,311
and do a quick poll,

74
00:03:09,311 --> 00:03:10,610
because I was like I'm
curious where you land,

75
00:03:10,610 --> 00:03:11,811
because here's another thing,

76
00:03:11,811 --> 00:03:14,528
is naturally people think
that Nerds are automatically

77
00:03:14,528 --> 00:03:16,304
Savers, and that is not true.

78
00:03:16,304 --> 00:03:18,409
You can be a Nerd and
love to do the budget

79
00:03:18,409 --> 00:03:20,565
but you're a Spender or vice versa.

80
00:03:20,565 --> 00:03:23,431
So, there's all these ways
to look at it, and I loved

81
00:03:23,431 --> 00:03:25,500
going into my Facebook group
because it was fascinating to see.

82
00:03:25,500 --> 00:03:28,452
50% of my Facebook group

83
00:03:29,632 --> 00:03:31,132
are Nerd-Spenders.

84
00:03:32,134 --> 00:03:34,316
Yes, you guys love doing
a budget but you still will

85
00:03:34,316 --> 00:03:36,113
spend the money and have some fun.

86
00:03:36,113 --> 00:03:36,946
Love that.

87
00:03:36,946 --> 00:03:40,286
32% of you are Nerd-Savers.

88
00:03:40,286 --> 00:03:43,921
12% of you are Free Spirit-Spenders!

89
00:03:43,921 --> 00:03:45,942
That's me, I'm part of the 12%!

90
00:03:45,942 --> 00:03:49,394
And 6% of you are Free Spirit-Savers.

91
00:03:49,394 --> 00:03:50,798
But if you're not sure which one you are,

92
00:03:50,798 --> 00:03:52,744
click the link in the show notes to take

93
00:03:52,744 --> 00:03:55,827
my Nerd vs. Free Spirit quiz,

94
00:03:55,827 --> 00:03:58,359
and send it to your spouse
if you're married to see

95
00:03:58,359 --> 00:04:02,076
which one they are, because
it's always fascinating to see.

96
00:04:02,076 --> 00:04:05,221
Okay, regardless of which
type you are, though,

97
00:04:05,221 --> 00:04:09,438
no matter who you are,
you need life insurance.

98
00:04:09,438 --> 00:04:11,688
Okay, while nothing will replace you,

99
00:04:11,688 --> 00:04:13,990
term life insurance allows your family

100
00:04:13,990 --> 00:04:15,627
to really be taken care of.

101
00:04:15,627 --> 00:04:17,893
I'm telling you, again,
Nerd or Free Spirit,

102
00:04:17,893 --> 00:04:20,005
you will sleep better
at night knowing that

103
00:04:20,005 --> 00:04:21,519
if something were to happen to you,

104
00:04:21,519 --> 00:04:24,329
your family will not
have a financial burden.

105
00:04:24,329 --> 00:04:26,766
Now I recommend using Zander Insurance.

106
00:04:26,766 --> 00:04:29,819
They give you peace of mind
for a small amount of money.

107
00:04:29,819 --> 00:04:33,339
So, go to zander.com
and get a quote today.

108
00:04:33,339 --> 00:04:35,337
Alright, it's time to talk about

109
00:04:35,337 --> 00:04:37,428
one of my favorite things:

110
00:04:37,428 --> 00:04:38,787
the Enneagram.

111
00:04:38,787 --> 00:04:39,773
Yes!

112
00:04:39,773 --> 00:04:41,672
Now some of you love it,

113
00:04:41,672 --> 00:04:44,069
some of you have no idea what this is,

114
00:04:44,069 --> 00:04:46,460
some of you know what
it is but you hate it.

115
00:04:46,460 --> 00:04:49,909
But, listen, I'm just speaking
from personal experience,

116
00:04:49,909 --> 00:04:54,250
I love anything when it
comes to self-awareness.

117
00:04:54,250 --> 00:04:56,667
(slow music)

118
00:05:01,083 --> 00:05:02,980
This probably started in my childhood.

119
00:05:02,980 --> 00:05:04,917
We can go back a few years, yes,

120
00:05:04,917 --> 00:05:07,585
I remember my dad brought
home an assessment called

121
00:05:07,585 --> 00:05:11,504
DISC when I was like 9
years old and had to read out

122
00:05:11,504 --> 00:05:13,218
all these questions and
filled it out for me

123
00:05:13,218 --> 00:05:14,562
as I answered everything
because I didn't know

124
00:05:14,562 --> 00:05:17,817
what half the words meant.
And he was like, okay,

125
00:05:17,817 --> 00:05:19,564
and he sent it in and it
came back, and he was like,

126
00:05:19,564 --> 00:05:22,446
alright, you're a high DI, Rachel.

127
00:05:22,446 --> 00:05:25,487
And so early on,
understanding your personality

128
00:05:25,487 --> 00:05:27,011
and taking these assessments was just

129
00:05:27,011 --> 00:05:28,370
a part of my upbringing.

130
00:05:28,370 --> 00:05:31,173
So Myers-Briggs, DISC,
like all of those things

131
00:05:31,173 --> 00:05:33,261
I've done, and I do, I love it.

132
00:05:33,261 --> 00:05:35,652
I think it's really, really fascinating.

133
00:05:35,652 --> 00:05:37,435
Some people are like all
freaked out and they're like,

134
00:05:37,435 --> 00:05:38,572
don't put me in a box!

135
00:05:38,572 --> 00:05:39,989
And I'm like, you can put me in a box

136
00:05:39,989 --> 00:05:43,509
and then give me a whole six-page outline of who I am.

137
00:05:43,509 --> 00:05:45,406
I think it's fabulous, I love it!

138
00:05:45,406 --> 00:05:50,069
And so I heard about the
Enneagram a few years ago,

139
00:05:50,069 --> 00:05:51,415
and I kind of was like, what is this?

140
00:05:51,415 --> 00:05:53,539
Oh, it's just another one, oh
it's not that big of a deal.

141
00:05:53,539 --> 00:05:56,077
And then, people at work
were really talking about it,

142
00:05:56,077 --> 00:05:58,107
and I was like, okay I'll take the test.

143
00:05:58,107 --> 00:06:01,608
And you guys, again,
personal opinion, but it was

144
00:06:01,608 --> 00:06:04,623
the most accurate, detailed,

145
00:06:04,623 --> 00:06:08,139
layered approach of
how I function in life.

146
00:06:08,139 --> 00:06:09,222
It was crazy.

147
00:06:10,498 --> 00:06:11,913
I mean, as I was reading
it all I was like,

148
00:06:11,913 --> 00:06:13,840
oh my gosh, this is insane.

149
00:06:13,840 --> 00:06:16,183
And then Winston took it, and we were like,

150
00:06:16,183 --> 00:06:19,443
oh my gosh, this is Winston,
and then our two numbers,

151
00:06:19,443 --> 00:06:20,819
because you get numbers with the Enneagram,

152
00:06:20,819 --> 00:06:22,993
we looked up the marriage
of the two numbers,

153
00:06:22,993 --> 00:06:25,991
and we were like, (laugh) this is us!

154
00:06:25,991 --> 00:06:28,110
It was unbelievable!

155
00:06:28,110 --> 00:06:31,909
And so again, what that revealed
to me was self-awareness,

156
00:06:31,909 --> 00:06:35,455
understanding who you are,
understanding your strengths,

157
00:06:35,455 --> 00:06:37,171
understanding your weaknesses,
because when you can

158
00:06:37,171 --> 00:06:41,498
understand why you perceive
the world the way you do

159
00:06:41,498 --> 00:06:42,983
and why you see it the way you do

160
00:06:42,983 --> 00:06:44,517
and how you see it the way you do,

161
00:06:44,517 --> 00:06:47,318
even when it comes to your
money, it helps you win.

162
00:06:47,318 --> 00:06:49,224
When you're self-aware,
you can win at your money,

163
00:06:49,224 --> 00:06:51,823
you can win in your relationships,
you can win at your job.

164
00:06:51,823 --> 00:06:54,975
So much comes out when you are self-aware,

165
00:06:54,975 --> 00:06:56,362
and so this is what's really key.

166
00:06:56,362 --> 00:06:59,803
And to help us, specifically
with the Enneagram,

167
00:06:59,803 --> 00:07:02,203
Enneagram expert Ian Cron is coming on,

168
00:07:02,203 --> 00:07:03,334
and I'm really excited

169
00:07:03,334 --> 00:07:06,372
because this interview, it's
one of my favorites ever.

170
00:07:06,372 --> 00:07:08,289
So it's coming up next.

171
00:07:10,800 --> 00:07:11,784
- Ian, thanks for coming.

172
00:07:11,784 --> 00:07:13,215
- I'm really delighted to be here.

173
00:07:13,215 --> 00:07:14,368
- Well, I'm pumped.

174
00:07:14,368 --> 00:07:16,001
We laughed earlier because I was like,

175
00:07:16,001 --> 00:07:18,154
we did a whole show on
Disney World, which I loved,

176
00:07:18,154 --> 00:07:21,470
and now we're doing a
segment on the Enneagram,

177
00:07:21,470 --> 00:07:22,832
which I'm obsessed with.

178
00:07:22,832 --> 00:07:25,225
So, those of you guys,
you may have heard about

179
00:07:25,225 --> 00:07:28,407
the Enneagram, some of you
have no idea what we just said,

180
00:07:28,407 --> 00:07:30,189
you have no idea what this is even about.

181
00:07:30,189 --> 00:07:32,044
Ian's going to explain
all of that in a second.

182
00:07:32,044 --> 00:07:33,528
Some of you hate the Enneagram

183
00:07:33,528 --> 00:07:35,756
because everyone in your
life is talking about it

184
00:07:35,756 --> 00:07:36,995
and you're annoyed by it.

185
00:07:36,995 --> 00:07:39,096
Stay with us, stick around.

186
00:07:39,096 --> 00:07:41,379
And others of you are probably like me,

187
00:07:41,379 --> 00:07:43,312
and I may put you in that
camp, where you just love it!

188
00:07:43,312 --> 00:07:46,818
You're fascinated by it, it's
so interesting, it's helpful.

189
00:07:46,818 --> 00:07:49,619
It's been a big part of my life
in different relationships.

190
00:07:49,619 --> 00:07:52,151
So, Ian, for those people that are like,

191
00:07:52,151 --> 00:07:53,822
what's that word even?

192
00:07:53,822 --> 00:07:54,655
Enneagram?

193
00:07:54,655 --> 00:07:55,793
What is this thing?

194
00:07:55,793 --> 00:07:57,197
How would you explain it?

195
00:07:57,197 --> 00:08:01,448
- So the Enneagram is an ancient
personality typing system.

196
00:08:01,448 --> 00:08:03,814
And it teaches that there are nine

197
00:08:03,814 --> 00:08:06,710
basic personality types in the world,

198
00:08:06,710 --> 00:08:09,799
one of which we gravitate
toward and adopt in childhood,

199
00:08:09,799 --> 00:08:12,976
just as a way to cope and
feel safe in the world.

200
00:08:12,976 --> 00:08:15,166
And what's really important to understand

201
00:08:15,166 --> 00:08:18,976
is that each of those
types has an unconscious

202
00:08:18,976 --> 00:08:22,546
motivation or driver that
powerfully influences

203
00:08:22,546 --> 00:08:25,343
how that type acts, thinks, and feels,

204
00:08:25,343 --> 00:08:26,435
and how it sees the world,

205
00:08:26,435 --> 00:08:29,604
how it relates to daily realities.

206
00:08:29,604 --> 00:08:31,156
- Yeah, that's so fascinating.

207
00:08:31,156 --> 00:08:33,176
Okay, so the nine basic types,

208
00:08:33,176 --> 00:08:35,232
can you go through them fairly quickly?

209
00:08:35,232 --> 00:08:36,305
- Yeah.

210
00:08:36,305 --> 00:08:37,758
Nine different types of human beings

211
00:08:37,758 --> 00:08:39,001
in the next two minutes.

212
00:08:39,001 --> 00:08:39,834
- I know!

213
00:08:39,834 --> 00:08:40,667
I know.

214
00:08:40,667 --> 00:08:42,184
Describe all the human race, Ian.

215
00:08:42,184 --> 00:08:43,230
- Here we go!

216
00:08:43,230 --> 00:08:46,898
All right, so ones are
called The Perfectionists.

217
00:08:46,898 --> 00:08:51,198
These are meticulous,
hardworking, reliable,

218
00:08:51,198 --> 00:08:54,534
conscientious, detail-oriented people,

219
00:08:54,534 --> 00:08:59,177
who have a compulsive need
to perfect themselves,

220
00:08:59,177 --> 00:09:00,608
others, and the world.

221
00:09:00,608 --> 00:09:02,005
- [Rachel] That's good.

222
00:09:02,005 --> 00:09:03,785
Now the twos, my sister's a two.

223
00:09:03,785 --> 00:09:04,964
- Oh, these are, twos, threes, and fours

224
00:09:04,964 --> 00:09:06,282
are all heart people.

225
00:09:06,282 --> 00:09:07,737
So, twos are called The Helpers.

226
00:09:07,737 --> 00:09:10,840
And they have a compulsive need

227
00:09:10,840 --> 00:09:14,748
to meet the needs of other people, right?

228
00:09:14,748 --> 00:09:17,751
They want to help and
love and support others

229
00:09:17,751 --> 00:09:21,661
in order to win the
appreciation of other people,

230
00:09:21,661 --> 00:09:24,218
the love and appreciation
and approval of other people.

231
00:09:24,218 --> 00:09:25,412
They're fantastic human beings.

232
00:09:25,412 --> 00:09:27,848
Threes are called The
Performers or The Achievers.

233
00:09:27,848 --> 00:09:31,899
They have a need to succeed,
or to appear successful,

234
00:09:31,899 --> 00:09:32,732
- Yes.

235
00:09:32,732 --> 00:09:35,502
- And to avoid failure at all costs.

236
00:09:35,502 --> 00:09:36,335
- Okay.

237
00:09:36,335 --> 00:09:39,056
- Okay, fours are called
The Individualists

238
00:09:39,056 --> 00:09:41,306
or sometimes The Romantics.

239
00:09:42,183 --> 00:09:47,183
These are people who have a
need to be special and unique.

240
00:09:47,469 --> 00:09:48,547
- And you're a four, aren't you?

241
00:09:48,547 --> 00:09:49,549
- I am.

242
00:09:49,549 --> 00:09:50,415
- Yes.

243
00:09:50,415 --> 00:09:51,476
I listen to his podcast all the time

244
00:09:51,476 --> 00:09:53,416
so I know everything about Ian Cron.

245
00:09:53,416 --> 00:09:54,866
Okay, so I'm a three,

246
00:09:54,866 --> 00:09:55,699
- Okay.

247
00:09:55,699 --> 00:09:56,753
- Or so all the tests say.

248
00:09:56,753 --> 00:09:57,586
- Right.

249
00:09:57,586 --> 00:09:59,619
- That I'm a three. But I'm having this crisis.

250
00:09:59,619 --> 00:10:01,896
So after this, we'll probably
put it on the podcast,

251
00:10:01,896 --> 00:10:03,936
but I need help, Ian.

252
00:10:03,936 --> 00:10:04,769
- Yeah.

253
00:10:04,769 --> 00:10:07,924
- I'm having this crazy,
between a seven and a three,

254
00:10:07,924 --> 00:10:10,480
I don't know, we'll talk
about it a little bit.

255
00:10:10,480 --> 00:10:12,556
- That's why I'm here.
- But I am, I'm the three.

256
00:10:12,556 --> 00:10:14,014
- Alright, fives.

257
00:10:14,014 --> 00:10:15,973
They're called The Investigators.

258
00:10:15,973 --> 00:10:20,390
They're analytical, emotionally
detached, oftentimes.

259
00:10:22,234 --> 00:10:24,484
Very, very private people, who have

260
00:10:24,484 --> 00:10:27,143
a need to understand
and perceive anything.

261
00:10:27,143 --> 00:10:28,864
These people are information junkies.

262
00:10:28,864 --> 00:10:31,706
They are constantly gathering information,

263
00:10:31,706 --> 00:10:35,438
really to fend off feeling
overwhelmed by the world, right?

264
00:10:35,438 --> 00:10:37,350
- Yes, that's my husband, aka that's why

265
00:10:37,350 --> 00:10:38,937
Winston Cruze has never
appeared on the show.

266
00:10:38,937 --> 00:10:40,794
- Seriously, you're married to a five?

267
00:10:40,794 --> 00:10:41,716
- I'm married to a five, yep.

268
00:10:41,716 --> 00:10:42,549
- Wow.

269
00:10:42,549 --> 00:10:43,382
- I know.

270
00:10:43,382 --> 00:10:45,420
And the one thing I'm like,
babe, come on the show!

271
00:10:45,420 --> 00:10:47,199
And he's like, that is the last,

272
00:10:47,199 --> 00:10:49,632
that is the last thing in him.

273
00:10:49,632 --> 00:10:50,465
It's the last thing he wants.
- Oh my gosh.

274
00:10:50,465 --> 00:10:52,007
- But he supports me. Like I
feel very affirmed in all this.

275
00:10:52,007 --> 00:10:52,920
- Totally.

276
00:10:52,920 --> 00:10:55,600
- But yes, he just doesn't want it.

277
00:10:55,600 --> 00:10:56,513
So yeah, it's interesting.

278
00:10:56,513 --> 00:10:57,346
- Yeah.

279
00:10:57,346 --> 00:10:58,179
- So they're very private people.

280
00:10:58,179 --> 00:10:59,919
I appreciate that.
- Very, very, very private.

281
00:10:59,919 --> 00:11:01,093
Sixes are called The Loyalists,

282
00:11:01,093 --> 00:11:04,164
sometimes The Devil's Advocate
or The Loyal Skeptics.

283
00:11:04,164 --> 00:11:04,997
- Okay.

284
00:11:04,997 --> 00:11:07,648
- They are worst-case scenario thinkers.

285
00:11:07,648 --> 00:11:10,717
Sevens are called The Enthusiasts.

286
00:11:10,717 --> 00:11:14,808
They're fun-filled, spontaneous
people who love adventure,

287
00:11:14,808 --> 00:11:18,618
and although in service
to avoiding difficult

288
00:11:18,618 --> 00:11:20,651
or what we would call afflictive emotions.

289
00:11:20,651 --> 00:11:21,955
Uncomfortable feelings, right?

290
00:11:21,955 --> 00:11:23,445
- [Rachel] Yep, yep, that's good.

291
00:11:23,445 --> 00:11:25,761
- Eights are called The Challengers,

292
00:11:25,761 --> 00:11:27,695
sometimes The Bosses, right?

293
00:11:27,695 --> 00:11:28,911
- Yes, yes.

294
00:11:28,911 --> 00:11:30,201
- What feels like conflict to you

295
00:11:30,201 --> 00:11:32,443
feels like connection to an eight.

296
00:11:32,443 --> 00:11:33,287
- Those challengers!

297
00:11:33,287 --> 00:11:34,120
Yes.

298
00:11:34,120 --> 00:11:34,953
- Yeah, that's how they connect.

299
00:11:34,953 --> 00:11:35,786
- Yes.

300
00:11:35,786 --> 00:11:36,619
- That's how they connect with people.

301
00:11:36,619 --> 00:11:37,452
- It's good, yep.

302
00:11:37,452 --> 00:11:40,408
- So, nines are called The Peacemakers.

303
00:11:40,408 --> 00:11:43,080
They are often known as the
sweethearts of the Enneagram.

304
00:11:43,080 --> 00:11:43,913
- [Rachel] Okay.

305
00:11:43,913 --> 00:11:47,580
- Yeah, so nines want
to maintain the peace.

306
00:11:48,419 --> 00:11:51,425
They want to maintain
connection with other people

307
00:11:51,425 --> 00:11:54,013
and avoid conflict at all costs.

308
00:11:54,013 --> 00:11:55,267
- Which is so funny that they're next,

309
00:11:55,267 --> 00:11:56,442
the number is next to--

310
00:11:56,442 --> 00:11:57,275
- Right.
- An eight.

311
00:11:57,275 --> 00:11:58,988
So that was going to be,
one of my questions is,

312
00:11:58,988 --> 00:12:01,440
is there, why are they
in the order they're in?

313
00:12:01,440 --> 00:12:04,515
- Yes, well one thing to be
sure, is that it doesn't,

314
00:12:04,515 --> 00:12:06,097
it's not reflecting a hierarchy.

315
00:12:06,097 --> 00:12:07,109
- [Rachel] Yes, that's good.

316
00:12:07,109 --> 00:12:08,160
- There's no number that's
better than another,

317
00:12:08,160 --> 00:12:10,470
it's not like, ones are
the best, and nines, sorry.

318
00:12:10,470 --> 00:12:11,438
- Yep.

319
00:12:11,438 --> 00:12:12,449
- That's not what it is.

320
00:12:12,449 --> 00:12:14,297
These are all strategies, right?

321
00:12:14,297 --> 00:12:17,086
- Yes, which is like subconscious, right?

322
00:12:17,086 --> 00:12:18,801
To, until you're aware, but like,

323
00:12:18,801 --> 00:12:19,634
- Exactly.

324
00:12:19,634 --> 00:12:21,609
- That's what I love about it, you guys,

325
00:12:21,609 --> 00:12:23,869
is this whole episode
is about self-awareness.

326
00:12:23,869 --> 00:12:24,713
- Yes.
- And understanding.

327
00:12:24,713 --> 00:12:26,865
When you understand how you're wired,

328
00:12:26,865 --> 00:12:29,881
the way you are, why you
are, it affects your money,

329
00:12:29,881 --> 00:12:31,908
it affects your relationships,
everything in your life,

330
00:12:31,908 --> 00:12:33,866
and so understanding this is so key,

331
00:12:33,866 --> 00:12:35,568
and the Enneagram has
been one of the tools

332
00:12:35,568 --> 00:12:37,616
that puts language to it, I
mean it's one of the, it's,

333
00:12:37,616 --> 00:12:40,681
I've done every type
of, Myers-Briggs, DISC,

334
00:12:40,681 --> 00:12:42,488
all of that, but it's on
a different level, this.

335
00:12:42,488 --> 00:12:43,321
- It is.

336
00:12:43,321 --> 00:12:47,298
- And so I would love for
you to go through the numbers

337
00:12:47,298 --> 00:12:49,574
and how each personality
interacts with money.

338
00:12:49,574 --> 00:12:50,407
- Yeah.

339
00:12:50,407 --> 00:12:51,787
- Because it's how we all
interact, and it's interesting

340
00:12:51,787 --> 00:12:54,344
when you put your personality
to it what unfolds.

341
00:12:54,344 --> 00:12:55,235
- Yeah, and you know what,

342
00:12:55,235 --> 00:12:56,681
I've thought about this topic a lot,

343
00:12:56,681 --> 00:12:58,307
and so I've been really
excited about doing this show.

344
00:12:58,307 --> 00:12:59,140
- Oh good!

345
00:12:59,140 --> 00:12:59,973
I'm so glad!

346
00:12:59,973 --> 00:13:00,806
- Because, no I have!

347
00:13:00,806 --> 00:13:03,864
I've been thinking to
myself like, oh my gosh,

348
00:13:03,864 --> 00:13:07,600
understanding economics
or personal finance,

349
00:13:07,600 --> 00:13:09,591
your relationship with money

350
00:13:09,591 --> 00:13:10,939
through the lens of personality?

351
00:13:10,939 --> 00:13:11,772
- Yes.

352
00:13:11,772 --> 00:13:14,540
- Like, actually if you
know your personality type

353
00:13:14,540 --> 00:13:16,974
you can avoid a lot of problems.

354
00:13:16,974 --> 00:13:18,334
- A lot of mistakes, if you know.

355
00:13:18,334 --> 00:13:19,167
Amen.

356
00:13:19,167 --> 00:13:20,000
- Right?
- Yes, so true.

357
00:13:20,000 --> 00:13:23,558
- If you know where your gifts
are and your challenges are

358
00:13:23,558 --> 00:13:26,001
and you gain self-awareness around them,

359
00:13:26,001 --> 00:13:29,140
you can spot them before they undo you.

360
00:13:29,140 --> 00:13:29,973
- [Rachel] Yes.

361
00:13:29,973 --> 00:13:30,806
- Right?

362
00:13:30,806 --> 00:13:31,639
- That's good.

363
00:13:31,639 --> 00:13:32,472
- [Ian] Yeah, it's fantastic.

364
00:13:32,472 --> 00:13:33,305
- It's true, it's true, yes.

365
00:13:33,305 --> 00:13:34,648
- Alright, let's talk about ones.

366
00:13:34,648 --> 00:13:35,481
Alright.

367
00:13:35,481 --> 00:13:36,643
I have not met a lot of
ones who are in debt.

368
00:13:36,643 --> 00:13:37,476
- Yes.

369
00:13:37,476 --> 00:13:40,274
- They're very concerned about budgeting,

370
00:13:40,274 --> 00:13:41,143
they're ethical and
they're principled people.

371
00:13:41,143 --> 00:13:43,034
- Yes, it's good.

372
00:13:43,034 --> 00:13:45,324
- Now the trap for them
could be moving from

373
00:13:45,324 --> 00:13:49,997
responsibility with money
to rigidity with money.

374
00:13:49,997 --> 00:13:52,319
Maybe overly criticizing themselves

375
00:13:52,319 --> 00:13:55,536
and judging themselves for
not doing it well enough.

376
00:13:55,536 --> 00:13:59,066
And if they're not careful,
judging other people

377
00:13:59,066 --> 00:14:00,210
for not doing it well enough.

378
00:14:00,210 --> 00:14:01,043
- Yes, that's good.

379
00:14:01,043 --> 00:14:03,164
So we talk about having
Nerds and Free Spirits

380
00:14:03,164 --> 00:14:04,971
are kind of two camps people live in,

381
00:14:04,971 --> 00:14:07,152
and so if you're like a Nerd on steroids,

382
00:14:07,152 --> 00:14:09,153
then you probably could
relate to being a one,

383
00:14:09,153 --> 00:14:12,560
of this is how it is and this
is what you do and it works,

384
00:14:12,560 --> 00:14:13,768
like you just do it!

385
00:14:13,768 --> 00:14:14,704
You do the plan, this is it!

386
00:14:14,704 --> 00:14:17,771
And so that control a lot
of times can come, yeah.

387
00:14:17,771 --> 00:14:19,905
- Alright, twos.

388
00:14:19,905 --> 00:14:22,515
Generosity to the max.

389
00:14:22,515 --> 00:14:23,348
- [Rachel] Serve and give.

390
00:14:23,348 --> 00:14:24,560
- They want to serve.

391
00:14:24,560 --> 00:14:26,970
Now the problem with that is, is over giving.

392
00:14:26,970 --> 00:14:31,630
It's like, I'm just going to
give without any thought,

393
00:14:31,630 --> 00:14:33,229
and I'm going to call it love.

394
00:14:33,229 --> 00:14:34,062
- Yes.

395
00:14:34,062 --> 00:14:36,642
- When actually it could be
enablement, more than love.

396
00:14:36,642 --> 00:14:37,723
- That it goes into.

397
00:14:37,723 --> 00:14:39,199
- Okay, threes.

398
00:14:39,199 --> 00:14:42,064
The upside is, they are
goal-crushing machines.

399
00:14:42,064 --> 00:14:43,849
They get things done, productive as heck.

400
00:14:43,849 --> 00:14:46,913
The downside is that they
could fall into the trap

401
00:14:46,913 --> 00:14:51,510
of using money as a way to
project an image of success.

402
00:14:51,510 --> 00:14:53,494
They'll buy status symbols, right?

403
00:14:53,494 --> 00:14:56,608
Some, what I would call success markers.

404
00:14:56,608 --> 00:14:58,683
- Totally, yes, oh yeah.

405
00:14:58,683 --> 00:15:01,623
- So fours are tricky, alright?

406
00:15:01,623 --> 00:15:05,706
Fours might think that
budgeting is beneath them.

407
00:15:06,588 --> 00:15:10,093
- Doesn't allow the life
and creativity to go,

408
00:15:10,093 --> 00:15:10,926
is that what you're thinking?

409
00:15:10,926 --> 00:15:12,344
- That's for the little
people, the little people

410
00:15:12,344 --> 00:15:14,396
need to worry about money.

411
00:15:14,396 --> 00:15:17,396
I am an artiste, and I am above such

412
00:15:18,562 --> 00:15:21,041
mundane topics like finances.

413
00:15:21,041 --> 00:15:22,082
- That's so good.

414
00:15:22,082 --> 00:15:22,915
- [Ian] Right?

415
00:15:22,915 --> 00:15:23,748
- Yes, yes.

416
00:15:23,748 --> 00:15:24,581
- Fives.

417
00:15:24,581 --> 00:15:26,884
A problem for a five can
be that they can just spend

418
00:15:26,884 --> 00:15:29,530
a lot of time researching
what to do with money,

419
00:15:29,530 --> 00:15:30,408
you know what I'm saying?

420
00:15:30,408 --> 00:15:31,241
- Yes!

421
00:15:31,241 --> 00:15:32,991
- How to invest and how
to do all this stuff,

422
00:15:32,991 --> 00:15:34,791
and not actually execute on the plan.

423
00:15:34,791 --> 00:15:36,295
- And go through with it.

424
00:15:36,295 --> 00:15:37,503
- Right?

425
00:15:37,503 --> 00:15:38,546
They can get a little distracted,

426
00:15:38,546 --> 00:15:40,963
they can go down the wormhole of knowledge.

427
00:15:40,963 --> 00:15:43,058
- Of Googling and looking
up things and researching.

428
00:15:43,058 --> 00:15:44,641
- Totally.

429
00:15:44,641 --> 00:15:46,054
- That is so funny.

430
00:15:46,054 --> 00:15:49,887
- Sixes, you know, these Loyalists
are chronic worriers.

431
00:15:52,227 --> 00:15:54,380
And a pitfall for them
can be they're always

432
00:15:54,380 --> 00:15:57,894
looking to outside authorities
to make decisions for them.

433
00:15:57,894 --> 00:15:59,770
And that can be a problem
around finances, right?

434
00:15:59,770 --> 00:16:00,603
- Interesting, yep.

435
00:16:00,603 --> 00:16:01,436
- Because there's some
good people out there

436
00:16:01,436 --> 00:16:02,412
and there's some not-so-good
people out there, right?

437
00:16:02,412 --> 00:16:03,329
- Yep, yep.

438
00:16:04,383 --> 00:16:08,641
- And so I think for sixes, on the upside,

439
00:16:08,641 --> 00:16:10,891
they are so earthy and practical,

440
00:16:10,891 --> 00:16:12,066
and they can live within a budget

441
00:16:12,066 --> 00:16:15,184
like ones can and fives can, right?

442
00:16:15,184 --> 00:16:16,017
- Yep.

443
00:16:16,017 --> 00:16:18,350
- Twos, threes, fours
have a much harder time

444
00:16:18,350 --> 00:16:20,907
than ones and fives and sixes sticking to a budget.

445
00:16:20,907 --> 00:16:21,740
- Okay, that's good.

446
00:16:21,740 --> 00:16:22,786
- Okay.
- Yes, yes.

447
00:16:22,786 --> 00:16:23,619
- Sevens.

448
00:16:24,747 --> 00:16:26,966
- Having fun, just--

449
00:16:26,966 --> 00:16:29,189
- The impulsivity though can get them into

450
00:16:29,189 --> 00:16:32,389
so much trouble with
money, and really, it can!

451
00:16:32,389 --> 00:16:33,449
- (laughs) Yes, yes!

452
00:16:33,449 --> 00:16:35,504
- I have seen more credit
card debt around sevens

453
00:16:35,504 --> 00:16:36,397
because it's like, fun!

454
00:16:36,397 --> 00:16:37,230
Spontaneity!

455
00:16:37,230 --> 00:16:40,276
Let's go do this, let's go do that, let's take
this trip, let's have that meal!

456
00:16:40,276 --> 00:16:41,913
- This is fun, we'll do it!

457
00:16:41,913 --> 00:16:43,216
Yep, I can see that.

458
00:16:43,216 --> 00:16:47,292
- Now with eights, these
are people who are just,

459
00:16:47,292 --> 00:16:49,106
they're all in or they're all out.

460
00:16:49,106 --> 00:16:50,885
They're go big or they go home.

461
00:16:50,885 --> 00:16:51,718
- Yes.

462
00:16:51,718 --> 00:16:52,693
- You know what I mean?
- Oh yeah.

463
00:16:52,693 --> 00:16:56,937
- So, they can gobble up life,
and money can fly out the door.

464
00:16:56,937 --> 00:16:59,317
But here's something to their credit:

465
00:16:59,317 --> 00:17:01,364
they don't want to be
controlled by anybody else.

466
00:17:01,364 --> 00:17:02,275
- Oh that's good.

467
00:17:02,275 --> 00:17:03,925
- They don't want to be
controlled by the bank,

468
00:17:03,925 --> 00:17:05,013
they don't want to be controlled--

469
00:17:05,013 --> 00:17:06,614
- Someone else telling them what to do.

470
00:17:06,614 --> 00:17:07,487
- [Ian] Or someone owning them!

471
00:17:07,487 --> 00:17:08,851
- [Ian] Being at the mercy of the bank.

472
00:17:08,851 --> 00:17:10,237
- Yep.
- No way, right?

473
00:17:10,237 --> 00:17:15,050
So nines, wonderful sweethearts,
they get easily distracted.

474
00:17:15,050 --> 00:17:16,669
Budgeting is hard for
nines because they are

475
00:17:16,669 --> 00:17:19,514
easily distracted, they
get going on a budget

476
00:17:19,514 --> 00:17:21,979
and then they suffer mission drift.

477
00:17:21,979 --> 00:17:22,821
- Yes, it's so good.

478
00:17:22,821 --> 00:17:25,228
- So every type has it's own
lens through which I think

479
00:17:25,228 --> 00:17:27,818
it understands and sees
money, and we're just

480
00:17:27,818 --> 00:17:31,301
scratching the surface of
what we could talk about.

481
00:17:31,301 --> 00:17:32,134
- Totally.

482
00:17:32,134 --> 00:17:32,967
- [Ian] Finances and types.

483
00:17:32,967 --> 00:17:34,169
- Oh, it's so good, I know
we'll have to have you back.

484
00:17:34,169 --> 00:17:35,229
Thanks Ian for coming.

485
00:17:35,229 --> 00:17:36,998
Seriously, so huge.

486
00:17:36,998 --> 00:17:40,229
Your knowledge, and
truly, you guys, this idea

487
00:17:40,229 --> 00:17:42,180
of self-awareness and
understanding who you are,

488
00:17:42,180 --> 00:17:44,263
whether you use the Enneagram or not,

489
00:17:44,263 --> 00:17:46,052
it's amazing how you can take

490
00:17:46,052 --> 00:17:47,394
what you've learned about yourself

491
00:17:47,394 --> 00:17:49,542
and not only avoid problems
when it comes to your money,

492
00:17:49,542 --> 00:17:51,760
but know how you interact
with it and why you see money

493
00:17:51,760 --> 00:17:54,936
the way you do, and your
relationships in your life as well.

494
00:17:54,936 --> 00:17:56,140
It's just so helpful.

495
00:17:56,140 --> 00:18:00,176
So Ian, your book, "The
Road Back to You," I love.

496
00:18:00,176 --> 00:18:02,870
The Cruzes have it and the
extended Cruzes all have it,

497
00:18:02,870 --> 00:18:04,892
and the Ramseys have it, we love it!

498
00:18:04,892 --> 00:18:05,986
So check out his book.

499
00:18:05,986 --> 00:18:09,327
His podcast, Typology, is so fascinating,

500
00:18:09,327 --> 00:18:10,218
you do such a great job.

501
00:18:10,218 --> 00:18:11,051
- [Ian] Thank you.

502
00:18:11,051 --> 00:18:12,473
- Interviewing people
with different numbers

503
00:18:12,473 --> 00:18:14,823
and talking them through
their life and stuff,

504
00:18:14,823 --> 00:18:16,434
it's fascinating you guys.

505
00:18:16,434 --> 00:18:18,458
And then you have a great
new assessment, right?

506
00:18:18,458 --> 00:18:19,901
- I do, I do yeah.

507
00:18:19,901 --> 00:18:23,155
It's very hard to find a
good Enneagram assessment,

508
00:18:23,155 --> 00:18:25,827
one that's sort of well researched

509
00:18:25,827 --> 00:18:29,037
and gives you a great accuracy rate.

510
00:18:29,037 --> 00:18:31,918
So we have one called the
IEQ9, it just launched.

511
00:18:31,918 --> 00:18:33,056
- Okay, that's exciting!

512
00:18:33,056 --> 00:18:33,889
- Yeah!

513
00:18:33,889 --> 00:18:37,806
So if folks go to to my
website, ianmorgancron.com

514
00:18:39,660 --> 00:18:42,839
and go to the tab, IEQ9,
they can learn all about it.

515
00:18:42,839 --> 00:18:44,095
- There, guys make sure to check it out.

516
00:18:44,095 --> 00:18:45,518
Seriously, dig into this stuff,

517
00:18:45,518 --> 00:18:47,632
understand who you are. It's so huge!

518
00:18:47,632 --> 00:18:49,798
So, anyway we need to like analyze me.

519
00:18:49,798 --> 00:18:50,631
- Let's go!
- If you want to hear that,

520
00:18:50,631 --> 00:18:52,601
listen to the podcast,

521
00:18:52,601 --> 00:18:55,445
to my podcast, because I need
help, so let's do that next.

522
00:18:55,445 --> 00:18:57,047
- Alright!

523
00:18:57,047 --> 00:18:59,630
(upbeat music)

524
00:19:03,700 --> 00:19:05,824
Wasn't Ian great, you guys?

525
00:19:05,824 --> 00:19:08,424
I just think it's so
fascinating, I love it.

526
00:19:08,424 --> 00:19:11,155
Okay, when it comes to
money, though, if you want

527
00:19:11,155 --> 00:19:14,140
to learn more about how
you can win with money,

528
00:19:14,140 --> 00:19:16,959
this area of your life, regardless
of your personality type,

529
00:19:16,959 --> 00:19:18,819
regardless of your Enneagram number,

530
00:19:18,819 --> 00:19:21,741
sign up for Financial Peace University.

531
00:19:21,741 --> 00:19:23,263
Seriously, go do it!

532
00:19:23,263 --> 00:19:24,942
It helps tremendously.

533
00:19:24,942 --> 00:19:26,621
Alright, to get access to everything

534
00:19:26,621 --> 00:19:28,148
we've talked about in today's episode,

535
00:19:28,148 --> 00:19:30,391
including the Nerd or Free Spirit quiz,

536
00:19:30,391 --> 00:19:33,000
click the link in the show notes.

537
00:19:33,000 --> 00:19:35,048
I would love it, too,
if you would subscribe

538
00:19:35,048 --> 00:19:38,014
to the YouTube channel and to my podcast!

539
00:19:38,014 --> 00:19:40,055
Now listen, the podcast
is fun this episode,

540
00:19:40,055 --> 00:19:43,154
because Ian really helped
me through my Ennea-crisis.

541
00:19:43,154 --> 00:19:44,869
That's right, struggling with my number,

542
00:19:44,869 --> 00:19:46,188
talked me off the ledge.

543
00:19:46,188 --> 00:19:47,021
It was great.

544
00:19:47,021 --> 00:19:48,722
So just search The Rachel Cruze Show

545
00:19:48,722 --> 00:19:50,828
wherever you listen to podcasts.

546
00:19:50,828 --> 00:19:53,785
Also, give this video a
thumbs up if you want to see

547
00:19:53,785 --> 00:19:55,316
more like this from me.

548
00:19:55,316 --> 00:19:57,891
Thanks you guys so much for watching.

549
00:19:57,891 --> 00:20:00,900
And as always, be sure to
take control of your money

550
00:20:00,900 --> 00:20:03,150
and create a life you love.