The 7 Human Natures: Greatness or Bondage

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.

To find your nature we have created a seven question survey that you may take here. Below is a brief description of the seven natures.

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.

TSicons-1 jpgThe 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.)


TSicons-2 jpg 02The 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.)


TSicons-3 jpg 02

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.)


TSicons-4 jpg 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.]


TSicons-5 jpg 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.]


TSicons-6 jpg 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.]


TSicons-7 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.


Your Financial Level     Your Financial State      Your Evolution

Evolve with your money

Evolve with your money.

Your map to financial independence and beyond.

Traditional financial planning often starts with your goals for the future: retirement, educational costs, increasing wealth, making a big purchase such as buying a home, off-setting taxes, starting a business, and so on. These goals are often compartmentalized which, in addition to them being off in the future, can leave you disconnected from your money and unable to stay motivated to stick to the strategies you’ve developed for each distinct goal. It’s like suiting up to play all sports all at once, getting tangled in the equipment, becoming immobile and frustrated so you quit.

We’re different. We’re an active, health-oriented financial planning coaching, and wealth management company rooted in the belief that you, your well-being, and your nature matter most in your financial strategy. Through twenty years of experience we have come to believe that a balanced, ethical, and sound financial strategy is one that integrates your life now with your future goals and evolves organically with you and with systems of money, value, and trade. We have developed a process for evolving with your money which helps keep you connected, focused, and engaged in your finances as you pursue wealth-building. Evolving with your money means you are not a slave to it. Instead you are accessing your money as a source of creative energy providing you with greater confidence, a stronger connection with yourself and others, and an increased capacity to live the life you want to live.

There are seven financial levels, and you likely have already experienced several of them. They are in a particular order because evolving with your money means intentionally moving from your current level to a higher, better level as your finances and your experience with your money improve. To move raise your level you will cultivate and leverage certain appropriate skills and tools that become available as you evolve.

Equally important as the financial levels is your natural relationship with money, your very nature. The ways in which you experience each financial level and the specific skills you practice must honor your nature. Success can’t depend on you becoming someone else, and there is no one-size-fits-all financial management approach. There are seven natures, each as valuable as the rest; there is no hierarchy. Our method for a healthy financial practice begins with embracing your nature followed by dreaming of your highest life. From there we create with you a roadmap for your financial evolution.

No matter who you are or what financial level you currently live within, you can evolve with your money and experience a healthier, wealthier life. Some people choose to remain in a comfortable financial and emotional rut or give in to thinking that’s just how life is. Our diverse clients know there is always something more just beyond the next curve which keeps them motivated through their financial journeys. They trust us to be their personal finance coach and help get them there. From pre-investment positioning to wealth management, diversifying income and unearned income to retirement planning, investing, saving, and staying true to your financial strategy when making a large purchase, we offer reliable, honest, personal support as well as highly professional services to help you evolve with your money.


Disclosures: The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. They do not necessarily reflect the views of LPL Financial.

No strategy or process assures success or guarantees against losses.

Love & Money: It’s not time to kill your lover.


Ahh, Valentine’s Day. Candy, hearts, and fighting about money.

Does your partner seem to be from another planet as far as money, work, and value are concerned? Or does it seem like you must be two different species? Have you ever wondered why you can have a conversation in your native tongue and come away with two different perspectives on the same thing? Does it just make you crazy? Stop it. You’re both right!

This is totally normal and natural, so stop thinking what you’re thinking. You each were born with a natural way of relating to value, (money and more than money), and chances are your partner has a different paradigm. When you try to communicate you may be speaking English but you may as well be speaking two very different languages because the meaning is always filtered through your paradigm.

The second highest cause of divorce is financial stress & conflict. Within that, the largest contributor is ineffective communication. And there is a solution.

First, know your paradigm. Then know your partner’s paradigm. You can quickly and easily find your paradigms here. We’ll send you follow-up information so you can identify your financial reality. Ask yourselves if you’re living the lives you want and understand that your financial state is a choice. This means you and your partner can pursue your own version of financial utopia. Or you can spin your wheels and live in conflict.

Next, accept that you likely have very different natures and perceive your financial situation differently. That is ok! No one paradigm is better than any other, and it’s the direction you move in that matters. We will coach you on the next steps toward making your vision real and help you both evolve with your money.

Please join us if you can for a workshop that goes into much more detail about how to live and thrive with someone so…unlike you! February 25th @ 7pm in the studio at Health Body Fit Mind, 184 Main St. in South Portland, Maine. If you can’t be there we’d be happy to meet with you or talk on the phone at any time.

It’s ok to be on different planets. You just need a shuttle to go back-and-forth. We can help.

Know yourselves. Know what you want. Find your coach. Evolve with your money.


Disclosures: The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.