We believe passionately that you have all the talents and strengths you need to create the life you want, and we’re dedicated to help you transform your money into an empowering, creative tool. There are7 distinct human natures, each having their own set of strengths and challenges, their own interpretations of words, their own perspectives, and their own traps. Because there are 7 human natures, self-help experts, including personal finance “gurus”, often fall short: they are unconsciously speaking to those who share their natures leaving those who don’t unable to understand, apply, and integrate well-intended advice.
If you know your nature you have the context within which your thoughts, beliefs, actions, and patterns make sense. Tips, strategies, and advice of any kind are more easily and appropriately understood, applied, and integrated because you know who you are. It is possible to take what you need and leave the rest without suffering another failed diet, exercise regimen, relationship plan, or financial strategy.
In just seven questions we’ve created a way for you to name your nature, learn more about it, and begin to filter your experiences through it. Our aim is for this information to give you a healthier, clearer perspective of yourself, your many opportunities financial and otherwise, and the world around you. Just click the image.
Disclosures: The opinions voiced in this material are for general information only and are not intended to provide specific advise or recommendations for any individual. They do not necessarily reflect the views of LPL Financial.
Always be yourself, express yourself, have faith in yourself, do not go out and look for a successful personality and duplicate it. ~Bruce Lee
From the moment you were born your nature was set. In our business we see this through the lens of finance and how people relate to money. There are only seven human natures, seven natural relationships with money. No one is better than another though each has its own positive and negative aspects. The positive side of your nature will propel you further in your evolution; it is your superpower. The negative side can keep you stuck and cause problems that repeat.
Note: these concepts are still evolving, and we’ve recently changed some of the names of the natures to better describe them in financial terms.
The first nature is the Taker. This isn’t bad. It just means that people with this nature can sense when what they need is around them and take it. They take that hail-mary shot, they take charge, take a chance, and they can also take money and other resources because they find value in money when they get it. These folks are characterized by a highly reactive, instinctive nature. Often they are survivors, fighters, able to weather the storm, but they aren’t getting or perceive they aren’t getting enough of what they need to thrive, especially money. [Read more.](Note: this nature was previously called the Reactor.)
The second nature is the Spender. Spenders find value in money when they spend it. They are characterized by emotional and financial, ups and downs. When they’re up they’re engaged, excited, and able to be their best selves, but when they’re down they can become immobilized. They may have the resources they need but not always when they need them- often because they spend on what they want first. Because Spenders are emotional beings, they tend to make buying decisions based on how their spending makes them feel. [Read more.](Note: this nature was previously called the Feeler.)
The Earner finds value in money when it’s earned and promptly allocated to expenses. In fact, they allocate so well there is often nothing left to save. This nature is characterized by hard work, effort, and striving. Earners don’t mind getting it done, no matter what “it” is, but they are prone to burn-out and often turn even the smallest things into large tasks. Earners often feel burdened by their responsibilities, including their finances, because they work so hard at everything. [Read more.](Note: this nature was previously called the Worker.)
The Saver, the fourth paradigm, finds money most valuable in savings, and they may even try to save things, animals, and other people. Though saving is appropriate at times, it can go to extremes leaving the Saver isolated and disconnected from their money. Saving more than is reasonable causes the Saver to become a hoarder and miss opportunities to pursue building wealth and increasing their capacity to save. [Read more.]
The Investor naturally seeks ways to create more value. They are typically very productive and like to enjoy their resources. Money is often a source of energy for Investors, as is exercise and interactions with others, however the Investor can become addicted to the thrill of the next big win, crossing the line and becoming a speculator.[Read more.]
The Lever prefers life to be easy. Those within the sixth paradigm tend to use their resources to make life easier and appreciate assembling and being part of a strong team. They seek collaboration where the strengths of the individuals are leveraged for greater results. On the negative side, Levers can become opportunistic and exploit others to raise themselves higher rather than collaborating to raise everyone higher. [Read more.]
The seventh paradigm is the Giver. These folks are highly intuitive and love sharing their resources with others. They are leaders and visionaries, but when stalled in their own evolution they can become martyrs, giving away so much they have nothing for themselves. Though Givers naturally understand flow, they can become so focused on giving they can’t see when they may need to change direction. [Read more.]
Watch our video! Iconic superheroes and the seven paradigms: there really are no coincidences.