YNAB tree logoAustralian flag
It looks like you're located in Australia.
We have an Australian version of our website.

Please confirm your location and we’ll send you to the appropriate site!
YNAB spending personality quiz

The Guardian

“Financial security lays the foundation for my peace of mind.”

Here are your results

Hey, Guardian!

Hear ye, hear ye, wise Guardian! You're the rock in the ever-changing sea of finances. For you, money is a tool for building a secure and stable future. You tread lightly when considering any money moves, approaching finances with a careful and practical mindset. With every paycheck, you carefully consider your wellbeing, both present and future. You get a little rush from reviewing your investment account balances, sometimes even on a Saturday. Reliable and disciplined, you might sometimes sidestep life's little indulgences, but your expertise in planning and risk management makes you an invaluable financial partner. You're the calm in the economic storm, always ready with a plan B, C—ok, maybe even Z.

Spending Synergy Tips

As a Guardian, you often start the conversation about safety nets and wise choices. It’s what makes you a rock-solid financial partner! When discussing your 5-year plan, or even weekend plans, remember to appreciate your partner’s need for excitement and spontaneity.

Especially with free-spirited Joy-Seekers or big-dreaming Visionaries, balancing your love for stability with their appetite for adventure can lead to a fulfilling future that satisfies you both.

Growth Area
Your security-first approach is admirable, but don't forget to sprinkle in some spontaneity for life's simple pleasures (and little treats!).
Large decorative opening quotation marks
Money Mantra
“Financial security lays the foundation for my peace of mind.”

Famous Guardians

Warren Buffet
Iconic for his careful investment strategies and frugality
Amal Clooney
Marries high-profile work with cautious personal finance
A blue microphone
Trevor Noah
Known for his down-to-earth lifestyle despite his success as a comedian and host
Serena Williams
Athlete and businesswoman known for her work ethic, endorsements, and business ventures

Natural Money Role

The Reliable Safeguard

Whether duo or solo, you're the one ensuring all safety nets are firmly in place. Your cautious eye is key in spotting potential risks and keeping your joint financial ship steady. Your prudent planning complements your partner's spending style, creating a balanced and secure financial plan

YNAB Category Inspiration

  • Fortress Fund: Your go-to for emergency savings and unforeseen needs.
  • Everyday Essentials: A buffer for the necessities – practical, predictable, and essential.
  • Knowledge Nest Egg: For investments in low-risk options and enriching your financial literacy.

Ready to do a deep dive exploration into your finances and feelings?

Check out our Change Your Money Mindset workbook and email series to organize your finances, clarify your goals and priorities, and explore the “why” behind your spending.

Spending personality quiz

Are you on the same financial frequency as your partner?

Take the quiz yourself to create spending synergy, a new way to combine your powers, and begin to build the future you want together.