Each MBTI personality type sees life a little differently when it comes to money and tends to develop different habits when it comes to spending. If you haven’t taken the MBTI test yet, take it here, but be warned that your test result may not necessarily be accurate for your true personality type.
These are the habits of each MBTI type when it comes to spending money.
ISTJ:
ISTJs are classic nest-builders. They tend to be frugal and spend little on luxury goods compared to other types. They can have a tendency to spend large amounts on a few image items such as expensive cars, clothing or other items, but will be cheap for the most part everywhere else. ISTJs are very motivated to provide a “good life” for their loved ones.
ISFJ:
ISFJs are also good at saving. They don’t require much from their financial purchases to be satisfied with life but do like to spend on a few social displays of wealth such as eating out at restaurants with friends, clothing, etc. ISFJs are typically very reserved with money, more so than the ISTJ.
ESTJ:
Typically very good savers, very financially-focused ESTJs can develop a reputation for being cheap. Unhealthy ESTJs can become prone to accumulating excessive wealth to achieve their desire to be seen as high status. Work makes ESTJs happy, so money is not typically needed to spend. More healthier ESTJs will adapt to the spending habits of their friends but they will always have a knack for cutting costs where required.
ESFJ:
ESFJs tend to be good savers as well, however, they may be susceptible to becoming very focused on showing off their wealth depending on the values they grew up with. If they were exposed to an environment that public consumption of wealth was valued, then they could be likely to spend high amounts on clothing, dining out and travel to meet their esteem needs for being “high status” in society.
INTJ:
Very future-oriented, INTJs are often frugal and generally won’t spend above what they make. However, they will spend high amounts on items they feel are important to them after extensive analysis, more than other types would even consider. INTJS can become very susceptible to randomly high spending because of stress if they aren’t careful.
ENTJ:
ENTJs are great at producing income, which can create a lackadaisical attitude towards saving for them. ENTJs work hard so they can play hard, making money with the clear incentive to spend freely on what they want. Unlike other types, they are the most consistent with their beliefs about why they are making money and their actions. ENTJs are willing to invest high amounts within themselves for large returns.
INFP:
INFPs are carefree about money in general. Which will lead to their spending habits to often be very reflective of the environment they are in. If they grew up in a money-conscious household, they will also be money-conscious but if they don’t have the right people to guide them, then they can end up taking risks beyond what they can handle.
ENFP:
Similar to INFPs, ENFPs are also generally carefree when it comes to money. For ENFPs, money takes form as an expression of their zest for life, and they don’t believe they’ll need it to have a good life either. While some other types will have trouble figuring out what they’d want to spend on if they had money, ENFPs have an endless list of ideas that they can come up with to spend things on.
INTP:
INTPs see life as an endless amount of possible experiences to have which they wish to experience some day. Frugal in general, their spending will typically go towards funding new experiences, which can take on expensive tastes. INTPs are able to scale back their spending lifestyles more than most people if they have to, but if faced with large amounts of money, may find themselves spending more exuberantly than they should be.
ENTP:
ENTPs take life one day at a time usually. This can make them great at producing income, however, their ability to save for the future will usually come second to spending on things they want now. Generally, ENTPs will spend as much as they make, leaving little to no savings but they can also be very savvy with their purchases given the right attitude.
ESTP:
ESTPs are very focused on having the most fun that they can in life. Their spending will be very high for events (typically with many friends) including traveling and dining out. Generally, ESTPs are able to make good income but their spending habits may lead to trouble continuing their adventurous lifestyle. Big risk-takers, they make huge investments in themselves that may not fall through but will pay off if it works.
ESFP:
ESFPs can be very resourceful when it comes to spending in general but also be inefficient sometimes. ESFPs can find themselves falling prey to their emotions when it comes to purchases that they highly desire, even though they know it’s a logically bad decision. ESFPs usually like to spend often but in small bursts.
ISTP:
ISTPs have a strong desire to experience life in its full capacity. This makes them very interested in traveling and new experiences with dining along with other material luxuries. However, this can lead to them making brash decisions regarding their finances and spending much more than they should be. ISTPs can be prone to taking big risks with their money.
ISFP:
ISFPs have fine-tuned aesthetic tastes and are generally interested in expressing their identity to people with money. This can lead to high spending on clothing especially along with dining out with friends. More reserved than ESTPs however, ISFPs will scale back when required.
ENFJ:
ENFJs don’t care about money much similar to their ENFP counterpart, but are generally more controlled and aware of their expenditures. ENFJs love to have a good time with friends and will find that they don’t need money to do so like others. ENFJs generally don’t plan to become rich but they’ll have a modest amount of savings to spend when they want.
INFJ:
INFJs are generally good savers but when surrounded by peers who are spending more exuberantly, they may feel tempted to spend more. Although they will generally not join along, they may sometimes make bad decisions randomly as a result of stress and momentary carelessness. INFJs don’t care about money much but it is something that they do seriously think about when making career decisions.
Hopefully, you found the spending habits of each MBTI Type insightful.