- Today's video is sponsored by Mama Bear Legal Forms.
One of my favorite things in life,
in fact, I say that a lot in these videos,
like one of my favorite things in life,
but truly one of my favorite things in life
is the Enneagram.
I know I've talked a lot about it on here.
It's just like one of these tools in life that just,
it opened my eyes.
I may have taken Myers-Briggs and DiSC
and like other personality profiles,
but this thing is like,
so stinking spot on.
It is freaking mind-blowing. It really is.
And there's so many levels to it and depths,
so, if you've not taken it,
you need to check it out.
It's E-N-N-E-A-G-R-A-M, Enneagram.
And some of you think that it's like a cult
because those of us that love it,
that's all we talk about,
which it kind of is.
But really,
it just gives you language
and the tools to be like,
oh wow,
this is who I am,
and why I am the way I am.
A little bit in like,
hey, this is how I function,
in health and in unhealth.
And like, oh, it is so good.
So, I thought, okay,
it would be fun to say,
well, what does each Enneagram number
love about the budget?
So, all you Ones out there,
you're Perfectionists.
You love the idea of doing a budget
because you love a sense of control.
You love to say, okay,
I know exactly where my money is going,
and if it gets to the end of the month,
and you actually stick to your budget,
you're just like,
yes.
I aced the test. I win. I'm the best.
But if you miss it,
that inner critic,
you Ones,
I know this about you,
comes out,
and it's like what,
what are you doing?
What are you doing?
So, don't let that inner critic happen, no.
But Ones, you love the budget,
because you love a sense of control.
You Twos out there,
you are the Helpers.
And you love doing a budget
because you like to go on a date with your spouse.
We always say,
hey, you need to make a fun night
of doing the budget. Go out on a date.
And you guys love doing that.
And the generosity of a Two
makes them really excited
about the gifts category in the budget.
So, when you're looking, you'd be like, oh yes,
the gifts.
Okay,
I can actually make extra meals for people,
or they need this, or they need that.
You have that category there in your budget,
to go and do what you Twos do best:
help people around you.
All right, you Threes,
you Performers, you,
you love tracking the budgets.
Yes,
tracking all the transactions,
if you use every dollar,
your transactions automatically come into the app,
and you track them.
Now, I'm a Three,
and this is what I love,
because I'm like, yes,
I'm actually making progress.
I'm actually being very efficient with my time,
because while I'm tracking transactions,
I'm also doing like four other things,
and I'm keeping my money together,
and I know when I'm winning.
I know when we're off base.
I know where more money is spent,
like, oh, it's so great.
So, I love it because I feel like yes,
the progress
and being efficient with my money,
it's my favorite thing in the world.
And we're really good,
like tackling goals,
like if we see something up front,
oh, yeah, yeah,
we gotta get out of debt.
And you're like,
your focus on it, you know.
Or we could just save up money for a purchase,
you're really motivated to do it,
because again,
it's all about the progress,
and the budget
helps with the progress of your money
so, so much.
All right, Fours,
the Individualists.
You guys probably don't love budgeting in general.
I always make fun of Fours,
because some of my best friends are Fours.
But they're like,
they're just like a little,
like that all that applies to me.
Like I'm a Four,
I see life in my own way,
and like all that stuff,
yeah,
it's not good for me.
As you know,
it's not cool.
It's not cool.
Yeah.
All you Fours.
I know you.
And you also don't have the need to spend money
to impress people because you are who you are.
Like, you know what?
I don't need extra money in the X or Y category,
because I am comfortable with the uniqueness
and individualistic person that I am.
I love you Fours.
All right, Fives.
You guys can just get lost
in the details of researching a budget tool.
When you realize, okay, we need a budget,
you Fives, you're looking at Excel spreadsheets,
you're looking at different apps,
different websites,
to see who can give me the most accurate information.
Like I wanna know all of it.
I need all the details.
And whatever tool allows me to see all the analytics,
and all the insights,
that's where you are best, Fives.
You can get so into the details,
you know exactly what's going on,
because you actually research it,
and you actually look,
and you know, the habits that are forming in your money,
because again,
you study it and you research it.
And Fives,
so, you also have a tendency
to have a little bit of a scarcity mindset
just in everything in life, including your money.
So you actually might be good
because you are okay pulling back in areas.
So if you are
saving up for an emergency fund
or getting out of debt,
Fives are great at going in
and saying, you know what,
as I've looked at all the details of everything going on,
we really don't need this money,
because we can just put it somewhere else,
and it's fine.
We'll be okay.
Sixes, you are the Loyalists,
and you love the budget
because it will help you build up your emergency fund.
And you're intentional with your money.
You know exactly how much money
per month is going to the emergency fund
when you're Baby Steps 1 or 3,
because all you Sixes out there,
you like to feel a little extra secure.
And hey, we could all learn from Sixes.
Yes,
there's so much learn from them.
And you guys hear me talk about the importance,
of having a will.
Well a Six,
yep,
it won't take much convincing for them to do a will,
because they wanna be prepared for the unexpected.
And I want everyone
to have that peace of mind,
no matter what Enneagram number you are.
Even if you don't even know your number,
I want you to have that peace of mind.
So if you don't have a will,
go ahead and put that line item
in your budget for next month.
And my friends at Mama Bear Legal Forms,
make creating a will for you super affordable and easy.
They are here for you and your wishes.
So this doesn't need to feel like doom and gloom.
That's not the thing you're putting in the budget.
No,
you're putting in this part of your budget,
putting it in for a will,
because you're creating a sense of security in your life.
When you create your will,
you actually get to consider things like
how much you wanna leave to the people you love.
What specific things do you want to give them?
What specific charities can you bless?
In fact, creating your will
might motivate you in other areas,
because the sooner you pay off debt,
the sooner you build up your emergency fund.
The sooner you start investing,
the more wealth you'll have to leave a legacy that you want.
So creating your will
is actually something that affects you
as you move through all the Ramsey Baby Steps.
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And again,
you Sixes you probably already have a will in place.
All right, Sevens.
You guys are the Enthusiasts,
the life of the party.
So your favorite budget categories
always have to do around entertainment, food and travel.
These are the things that you absolutely live for.
You'll put extra money in these categories
because, hey, life is fun.
Why make it dull and boring and not go have fun?
You Sevens are all about it,
so you wanna spend money on things that are fun.
So your budget usually reflects that,
and you love it.
Because you say, hey,
I actually have money to do the fun things that I want do.
All you Sevens out there,
I know how you live.
I secretly wanna be a Seven.
I kind of think I am,
but they always say I'm a Three,
that's what all the tests say.
But Sevens, you are a lot fun.
Eights, you Challengers.
Okay,
so Eights are interesting
because the only person they really wanna listen to
are themselves.
I know this about you Eights,
so, once you set a budget, Eights,
they actually follow it,
because like you know what,
it's right.
I did it,
and the challenge of like getting above it,
the challenge of paying off debt
because they don't like authority,
usually.
So the idea of someone else
telling your money what to do when you're in debt,
like you hate that,
and you're like, you know what?
I'm gonna budget
so that I can get out of debt so quickly.
That is,
that is big for the Eights.
So the Eights are very motivated by the budget,
especially to get out of debts.
All right, Nines.
You are the Peacekeepers.
Like the nicest people on the planet.
And also,
you're excited when the budget is over
and it's done,
because sometimes you can get very exhausted,
by making all these decisions,
thinking through all the details.
And sometimes the budget creates some conflict,
if you're married.
And so you nines,
you just don't like that.
I would just rather avoid it.
I'd rather let the spouse do it,
sign off on it. But like, oh, it exhausts me
to exude energy on something like a budget.
And if like things come up at a tension point,
it's like I just don't like it,
it's not even worth it,
it's not.
So you Nines are happiest
when the budget is done
for the month.
You're like okay, we can move on.
Now, I asked some of my teammates about their budget quirks,
and here's what they had to say,
in regards to their Enneagram.
Kelly is a Nine, and she said,
"My favorite thing about the budget is letting
my number One husband,
again, the Perfectionist,
formulate the budget, and then I just get to approve it,
add or subtract whenever necessary."
Heather is a Two, and she said,
"As a Two, I naturally neglect my needs
or push them down the line of importance,
prioritizing others' needs first."
I think that's so interesting,
because that is such a Two thing.
The she goes on to say,
"But a budget gives me permission to spend
on things that I know that I need,
and I feel okay
if there's a line item
for things that I actually planned for."
Peter, who is a Four,
said, "If I indulge my spontaneous Four free spirit,
then the budget goes downhill real quick."
I appreciate that, Peter.
And Kelsey, who is an Eight, said,
"I enjoy challenging myself and pushing my limits.
I'm on Baby Step Seven,
and every once in a while,
I'll put a zero in my restaurant line item for the month,
just to see if I can do it."
A Challenger.
It's such an Eight thing.
Well, you guys, again,
I think it's just so important,
to understand who you are
and how that affects your money.
That's one of reason I love the Enneagram.
That's one reason I wrote my book,
"Know Yourself, Know Your Money,"
because this is all so, so important.
So if you haven't figured out your Enneagram number,
I would do it,
because it's just fascinating.