When someone is managing money at work
it can make it easy for you to pick their pattern and impose correctly

Is the other person just 
							the same with money at work?
Observing people at work using the organisation's money is a very interesting exercise as personal habits and attitudes tend to take over.

You will most likely need assistance :-) This might tell you what but it will not tell you how. Contact us for an obligation free quote.

Here are all sixteen patterns - all managing the company's money.

Conducted and composed by Elizabeth Hunter™ - Last Update 19 December, 2019


1. Can it be the Director - ESTJ?

The Director is the Border Collie

Money at Work - General:

The Director likes to be wealthy and wants everyone in the office to know it. The highest earners of all the behaviour patterns, these workers bring in money simply to watch the balance grow in their bank account. They take calculated risks with healthy investments that, over time, enjoy generous compounding returns. They use debt only if it will make them money and would never whip out a credit card for an unnecessary purchase. The Director wants to be seen in the best circles, so they focus on getting their bank account to whatever number will buy them admission to the highest social class. When considering their net worth, the Director is downright frugal, but they will splurge on club memberships and anything else that will get them “seen” where they belong.

The Director (and Appraiser) are some of the most structured when it comes to money. They like detailed, specific budgets and will balance them to the tee. Planning for retirement is a big priority and saving for their children’s education will also be crucial to them. When they feel secure and have a cushion in their savings account, they will enjoy finding ways to enrich their life. Often they splurge on things like high-quality furniture, kitchen or home tools or club memberships. They may also save up for a yearly vacation to a familiar, well-loved location. The Director tends to have a knack for taking calculated risks and making strong investments.

E. Hunter™'s Comment:

They will push ahead relentlessly getting money approved for projects but watch out for the desire for unnecessary upgrades to office desks and the like.

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2. Can it be the Developer - ENTJ?

The Developer is the German Shepherd

Money at Work - General:

The Developer has an absurd tolerance for risk and will aggressively invest in trendy stocks or fledgling start-ups in an effort to grow their initial investment by a factor of 25. If they lose money, they do not even stop to grieve because they are already on to the next venture. The Developer exudes genuine confidence and are not afraid to negotiate so they receive raises and promotions at a faster clip than any other type. Making money is more important than spending it, so they will amass a small fortune while pursuing their career success. The Developer will likely accumulate debt to reach their goals, but wipe it out as soon as the next big payout comes in. They are comfortable with risk, and will not bat an eye lid at a six-figure loan balance if it helps them get to the top.

The Developer (and Persuader) are the most frequent patterns to plan towards retirement and future investments. However, with intuition in common, they are not as detailed and precise in their budgets as the Director and Appraiser typically are. They tend to see all the future potential their money could provide – whether that means investing it in a business, putting it towards a non-profit, or using it to play the stock market. It is vital that they see some future return for what they are earning now. While they like having a padded savings account and a retirement plan, they do not want to get so caught up in saving money that they waste opportunities to expand its possibilities. When they have extra money, they enjoy using it towards investments, education, travel, charity or experiences that will broaden their perspective on life.

E. Hunter™'s Comment:

They will promise clients things that they cannot deliver on. They will drive the Fiscal Manager bonkers.

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3. Can it be the Results - ESTP?

The Results is the Jack Russell Terrier

Money at Work - General:

The Results is indulgent, so expect to find them spending their money mostly on whatever makes their body feel good — from food to massages — with everything else taking a back seat. These people are bold and sociable, so do not be surprised if they charm their way into owning the restaurants or spas they love to frequent. Thankfully, their investments usually pan out well, so they earn the income they need to keep up with treating themselves. The biggest financial dangers to a Results are over-extending their credit to take on a new venture, or butting heads with a business partner. When they are wrong, the financial losses are big, but they are usually able to recover.

The Results (and Counselor) regards money to be about experience and enjoyment. They want to live life to the fullest and money is s a resource that they can use to make that possible. Spontaneous trips across the world, tickets to music festivals or putting money down on bold business ventures adds excitement to their lives. They do not mind taking some financial risks, especially if the reward seems within the realm of plausibility. Entrepreneur minded, they feel like playing it safe means missing out on some of the joy and thrill life has to offer. As the Results gets into mid-life they tend to prioritize saving more, but they will always try to make sure they have some “wiggle room” for spontaneous adventures and fun.

E. Hunter™'s Comment:

They are well credentialled to be the one to only pay half the quote and thereby screw the vendor after the work has been completed.

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4. Can it be the Inspirational - ENTP?

The Inspirational is the Bull Terrier

Money at Work - General:

The Inspirational will earn a good income but has a tendency to spend money as quickly as it comes in. They are easily swayed by anything shiny and new, but that includes the best performers on the stock market. If they are in the corporate world, the Inspirational is probably eyeing the exit, looking for an opportunity to start their own business. When it comes to money, they will find new and innovative ways to make tedious tasks painless, and let the rest take care of itself. Expect them to have automated virtually every financial responsibility so they do not have to think about it. However, despite their penchant for streamlining processes, they are very careless with details. The Inspirational is equally likely to misplace $5,000 in a savings account (or a crypto bank) as they are to casually leave out a $5,000 debt from their net worth spreadsheet. They only understand money in the context of using it to do other things, so it will be “easy come, easy go” the whole way through.

The Inspirational (and Promoter) is not afraid of risks, these patterns see money as a way to live life to the fullest and broaden their experiences and understanding. Typically fond of travel, they enjoy seeing new parts of the world as a way to inspire new ideas within them. Having a padded savings account and a retirement plan is typically less important to them than feeling like they have seized the day. That said, as they reach mid-life and beyond they can become more fixated on making sure they are financially responsible. Still, they will usually prioritize having some “fun money” from each pay to use towards an exciting, enriching new experience. Both of these types enjoy putting money towards travel, education, books and entrepreneurship opportunities.

E. Hunter™'s Comment:

If a swimming pool has been cunningly charged to the building project, it is most likely to reside at the Inspirational's holiday home.

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5. Can it be the Persuader - ENFJ?

The Persuader is the Boxer

Money at Work - General:

The Persuader is a sociable do-gooder, so you are most likely to find them throwing a lavish birthday party for their best friend. These charming extroverts make good team players and work hard to see everyone succeed. They are not particularly good at saving, but they do like status symbols while still being able to amass a decent nest egg. Ever optimistic, they will trust a financial advisor to put their money wherever it can do a satisfactory job, and call it a day. The Persuader does have one major financial achilles heel, in that they struggle to make tough decisions, so they will agonise about any major purchase, such as getting a graduate degree or buying a home. Their anxiety is often the biggest cost!

The Persuader (and Developer) are the most frequent patterns to plan towards retirement and future investments. However, with intuition in common, they are not as detailed and precise in their budgets as the Director and Appraiser typically are. They tend to see all the future potential their money could provide – whether that means investing it in a business, putting it towards a non-profit, or using it to play the stock market. It is vital that they see some future return for what they are earning now. While they like having a padded savings account and a retirement plan, they do not want to get so caught up in saving money that they waste opportunities to expand its possibilities. When they have extra money, they enjoy using it towards investments, education, travel, charity or experiences that will broaden their perspective on life.

E. Hunter™'s Comment:

This pattern should be the salesman and never the sales manager.

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6. Can it be the Appraiser - ESFJ

The Appraiser is the Great Dane

Money at Work - General:

The Appraiser likes to spend, especially if it is on someone else. Expect these folks to flex with big houses, luxury cars, and a designer wardrobe for them and their children. They are invited to every party where they always show up with fine wine or a lavish hostess gift. Under the hood, they are probably carrying a fair amount of credit card debt, a hefty student loan for financing a degree at an 'Ivy league' instead of going to a state school and you can be sure their car is financed. Nevertheless, they will never miss a minimum payment because they would find it too embarrassing to be perceived as poor. At work, they make good leaders that are promoted for their ability to continuously rally the troops and make every team member feel valued. This often translates into managerial roles with good pay, so they can keep their lives afloat.

The Appraiser (and Director) are some of the most structured when it comes to money. They like detailed, specific budgets and will balance them to the tee. Planning for retirement is a big priority and saving for their children’s education will also be crucial to them. When they feel secure and have a cushion in their savings account, they will enjoy finding ways to enrich their life. Often they splurge on things like high-quality furniture, kitchen or home tools, or club memberships. They may also save up for a yearly vacation to a familiar, well-loved location. The Appraiser enjoys gift-giving, saving up for group experiences and buying tasteful, high-end clothing.

E. Hunter™'s Comment:

Watch out for over exuberant spending on clients.

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7. Can it be the Promoter - ENFP?

The Promoter is the Golden Retriever

Money at Work - General:

The Promoter spends money like water. These cheery spendthrifts have never heard the word “frugal” and would ignore it if they did. They earn money purely so they can spend it and, since they love spending it, they are motivated to earn a lot. It is difficult to get them to do anything responsible with their money since money in a savings account does not buy fun, so the best approach is to convince them what luxuries their savings and investments will buy later. The Promoter will be perpetually battling credit card debt and will likely neglect their student loans entirely if a student. It is likely they will not fix their finances until they are at their credit limits and no longer have any choice!

The Promoter (and Inspirational) is not afraid of risks, these patterns see money as a way to live life to the fullest and broaden their experiences and understanding. Typically fond of travel, they enjoy seeing new parts of the world as a way to inspire new ideas within them. Having a padded savings account and a retirement plan is typically less important to them than feeling like they have seized the day. That said, as they reach mid-life and beyond they can become more fixated on making sure they are financially responsible. Still, they will usually prioritize having some “fun money” from each pay to use towards an exciting, enriching new experience. Both of these types enjoy putting money towards travel, education, books and entrepreneurship opportunities.

E. Hunter™'s Comment:

Never have a Promoter in charge of the money. Their extravagant ideas are never costed. They never have any money to pay for their shout so do not buy them a drink after work, especially if you are daft enough to expect them to reciprocate. They have a limitless list of excuses. You learned that at elevanto.com.au.

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8. Can it be the Counselor - ESFP

The Counselor is the Poodle

Money at Work - General:

The Counselor generally has a good balance between spending and saving, with a few dips into credit for the latest fashion accessories. They like to look good and will spend money doing so, but the core of them is practical so they are diligent about setting dollars aside in savings. They have credit cards, but rarely let their spending get out of control and their student loans were paid off in a timely manner without to much hassle. These extroverts love to work the room, so they do good in sales or anything commission based, which gives them a fairly decent income. Their only real financial flaw is poor long-term planning. So while they do not have trouble saving and investing, they will need guidance on how much to put away and exactly how to do so.

The Counselor (and Results) regards money to be about experience and enjoyment. They want to live life to the fullest and money is s a resource that they can use to make that possible. Spontaneous trips across the world, tickets to music festivals or putting money down on bold business ventures adds excitement to their lives. They do not mind taking some financial risks, especially if the reward seems within the realm of plausibility. Entrepreneur minded, they feel like playing it safe means missing out on some of the joy and thrill life has to offer. As the Counselor gets into mid-life they tend to prioritize saving more, but they will always try to make sure they have some “wiggle room” for spontaneous adventures and fun.

E. Hunter™'s Comment:

The expense report will claim absolutely everything, but it will be submitted late.

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9. Can it be the Specialist - ISFP

The Specialist is the Saint Bernard

Money at Work - General:

The Specialist likes money that they can feel, right on their skin, like absurdly high-thread-count Egyptian cotton sheets. Expect these high-rollers to drop dough on the best of everything: best clothes, best experiences, best stuff. However, to their credit, they always live within their means. The Specialist is careful with their money, but when they have dollars to spend, it is going to buy unique pieces of art, helicopter tours or a reservation at the finest restaurant. They do not get in your face about showing off, but their competitive side does make some of their buying decisions out of the desire to be “better” than their peers. Expect the Specialist to make quiet, but profitable, investments in luxury real estate, wineries or original paintings. Much of their net worth is going to be tied up in heirlooms as it is in their bank account.

The Specialist (and Achiever) has a flexible approach with money. They enjoy having a regular financial amount set aside in case of an emergency, but they also like the freedom to use it when fun opportunities pop up. Whether that means investing in a winery or backpacking across Europe, these two are always on the lookout for adventures that will make them feel like they have truly lived. They see money as an avenue towards enjoying their hobbies and interests. If they are married, they tend to enjoy putting some money towards living in comfort, with high-quality furnishings and home appliances. They may also put their money towards friends that are in need, helping out in a crisis or an emergency when someone needs a helping hand.

E. Hunter™'s Comment:

Look for the lizard skin shoes, the weekly visit to the hair stylist, the $400 tie and the initials on the driver's side door of their gleaming vehicle.

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10. Can it be the Investigator - INFJ?

The Investigator is the Greyhound

Money at Work - General:

The Investigator cares for causes and is more likely to be protesting rising tuition costs or big bank bailouts than paying off their own debts. This pattern is likely to choose a career in the public service or where they can directly support an underprivileged or marginalised group, so their compensation is usually small. They are good savers, but they will lend cash to a friend in need and make room for charitable giving in their budget, even when they cannot really afford it. Their stock portfolio consists entirely of ethical investment funds and they sleep easily on lower returns because it has bought them a clear conscience. Expect them to be setting aside money to prepare for the non existent climate crisis.

The Investigator (and Enhancer) see money as a way to deepen their perspective or work towards meaning. Both types are concerned with saving and security, but not to the extent that the Persuader, Developer, Director or Appraiser usually are. The Investigator is more likely to use money as a way to pursue their calling or mission, whether that means helping out a charity or taking a class. Highly value education and will put a great deal of money towards broadening their knowledge base. When they have extra money, they put less of it towards furniture and fashion and more of it towards education, travel and creative pursuits.

E. Hunter™'s Comment:

They will be the effective and diligent office worker.

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11. Can it be the Agent - INFP?

The Agent is the Tibetan Terrier

Money at Work - General:

The Agent is the pattern who keeps joining one multi level marketer after another. Last week, they were going to retire in 2-5 years with Amway, this week they have invited you to join their friends at another one. These friendly and idealistic individuals like money, but they always expect it to come easier than it really does. They only like it when it is interesting, so anything about past performance or historical returns will make their eyes glaze over. The Agent does not think about retirement, so they do not save for it, but they will buy absolutely anything in a “last chance sale!” email or while waiting in the grocery store checkout. The best way to save and invest is with an “out of sight, out of mind” tactic. If their savings are not completely removed from their everyday banking, they are going to spend it.

The Agent (and Perfectionist) is typically less concerned with flashy spending and deeply padded savings accounts than using money to pursue their unique individual interests. Putting money towards their hobbies and creative pursuits is typically a high priority for them. Sometimes that means buying books and art supplies and other times it might mean purchasing survival gear to backpack through Alaska. They typically are not overly-fixated on budgeting, but they try to prioritize paying their bills on time. They enjoy living in comfortable surroundings that are tailored to their interests. However, they are usually not snobby when it comes to quality furniture or name-brand kitchen appliances. Overall, tangible things will typically hold less interest to these patterns than tools or experiences that will inspire them or allow them to pursue their interests in-depth.

E. Hunter™'s Comment:

They are in dreamland and will seem to be voluntary miserable. They should never be given a management role that inevitably controls money.

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12. Can it be the Achiever - ISTP?

The Achiever is the Bassett Hound

Money at Work - General:

The Achiever is the pattern chanting, “experiences not stuff!” as they drop five-figures on an African safari. They might be even bigger spendthrifts than the Promoter, except they tend to be more purposeful about it. They want a rich life and they make their purchases accordingly. The downside is they will do most of it on credit. They are even more risk-loving than the Developer and might even get caught up doing more gambling than strategic investments. The only way to ensure financial security for an Achiever is to catch them before they do irreparable damage to their credit score.

The Achiever (and Specialist) has a flexible approach with money. They enjoy having a regular financial amount set aside in case of an emergency, but they also like the freedom to use it when fun opportunities pop up. Whether that means investing in a winery or backpacking across Europe, these two are always on the lookout for adventures that will make them feel like they have truly lived. They see money as an avenue towards enjoying their hobbies and interests. If they are married, they tend to enjoy putting some money towards living in comfort, with high-quality furnishings and home appliances. They may also put their money towards friends that are in need, helping out in a crisis or an emergency when someone needs a helping hand.

E. Hunter™'s Comment:

They will be spending the company's money on repairs and maintenance; charging as much as they can to 'storm damage' while using the same old images to lubricate the paper flow.

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13. Can it be the Practitioner - ISFJ?

The Practitioner is the Alaskan Malamute

Money at Work - General:

The Practitioner might be the most responsible money managers of all, crafting budgets for small and major purchases alike and not pulling out the plastic until the full total is saved. These practical workers set attainable financial goals and meet them without fanfare. They are patient and frugal, so they do not worry if something seems a long way off, they simply keep going. They never get burdened down by debt fatigue, or enticed to buy something they cannot afford. The Practitioner chooses a career that help others, so their paycheques might not be large but their lives are full.

The Practitioner (and OT) is all about saving for a rainy day. Detailed and precise with their budgets, they prioritise paying their bills and having their savings accounts well-padded. Practical and dutiful, they are the individuals likely to attend a financial celebrity conference or seek a financial advisor. Paying off student loans, mortgages and bills ahead of schedule is important to them. When they do have extra money, they enjoy spending it on comforts that make life more enjoyable. High-quality furniture, outings to their favourite restaurants and excursions to their favourite vacation spots give them a sense of fun while ensuring they are within their means.

E. Hunter™'s Comment:

This pattern does not know the difference between cost and value. They will argue that it is better to bandaid aged plant and equipment. They concentrate on irrelevant minutiae. They will drive 20 minutes to save 10 cents on the paper clips. They will get a second quote and delay a project for two weeks to save $5 and, more importantly, avoid any questioning by the boss as that is conflict. They are fabulous workers but are a handbrake on the limousine of progress and have to be constantly overruled by the manager or the directors.

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14. Can it be the Objective Thinker - ISTJ?

The Objective Thinker is the Bernese Mountain Dog

Money at Work - General:

The OT is one of the most practical and dutiful personalities, and that is reflected in their finances. Their bills are always paid on time, they do not owe anything when they lodge their tax return and they have been investing since they were old enough to open an account. They have both a financial advisor and an accountant, but they do not actually need either of them and mostly hire them to have someone admire their work. If you can think of sound, solid financial advice, the OT has been following it since they first read 'The Wealthy Barber' in junior high school. They pay off student loans ahead of schedule, buy homes early and take care of their families with steady paycheques. If they ever make a financial mistake, they beat themselves up for it relentlessly, often long after they have remedied the error.

The OT (and Practitioner) is all about saving for a rainy day. Detailed and precise with their budgets, they prioritize paying their bills and having their savings accounts well-padded. Practical and dutiful, they are the individuals likely to attend a financial celebrity conference or seek a financial advisor. The OT is the most frequent type among accountants. Paying off student loans, mortgages and bills ahead of schedule is important to them. When they do have extra money, they enjoy spending it on comforts that make life more enjoyable. High-quality furniture, outings to their favourite restaurants and excursions to their favourite vacation spots give them a sense of fun while ensuring they are within their means.

E. Hunter™'s Comment:

They are the consummate project manager.

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15. Can it be the Perfectionist - INTP?

The Perfectionist is the Papillon

Money at Work - General:

The Perfectionist has good intentions but often spends more time strategising than actually doing. Expect them to craft elaborate spreadsheets comparing ETFs in an attempt to reduce risk and taxes, only to find the allocations have changed by the time they are finally ready to invest. If they can get themselves on to an investment plan, they will stick to it and end up with a comfortable retirement, but if they think about it too long they will put themselves at risk. Wary of debt, they will avoid it unless it is absolutely necessary to bring about the desired income (and only after they have done an in-depth ROI analysis of how they will use the funds and pay it off). The only thing the Perfectionist really cannot handle is criticism of their finances, so no matter what they are doing with their money, do not tell them that it is wrong.

The Perfectionist (and Agent) is typically less concerned with flashy spending and deeply padded savings accounts than using money to pursue their unique individual interests. Putting money towards their hobbies and creative pursuits is typically a high priority for them. Sometimes that means buying books and art supplies and other times it might mean purchasing survival gear to backpack through Alaska. They typically are not overly-fixated on budgeting, but they try to prioritize paying their bills on time. They enjoy living in comfortable surroundings that are tailored to their interests. However, they are usually not snobby when it comes to quality furniture or name-brand kitchen appliances. Overall, tangible things will typically hold less interest to these patterns than tools or experiences that will inspire them or allow them to pursue their interests in-depth.

E. Hunter™'s Comment:

They cannot balance the concept of getting another quote (they have 6 already) and fixing the water leak that has been going for days.

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16. Can it be the Enhancer - INTJ?

The Enhancer is the Afghan Hound

Money at Work - General:

The Enhancer is goal-focussed in everything, including their finances. They take a steady plod to the top of their career, as well as disciplined in regularly setting aside savings. They will predict the future value of their stock portfolio six decades from now down to the last cent. They are not showy or extravagant, so their money almost always goes where it can get the best ROI. They tend to buck tradition and rules, so are most likely to amass a modest sum and fire in their late-30’s or 40’s. The Enhancer is also arrogant and judgemental, so they will vocally criticize anyone who does not follow the same financial path.

The Enhancer (and Investigator) sees money as a way to deepen their perspective or work towards meaning. Both types are concerned with saving and security, but not to the extent that the Persuader, Developer, Director or Appraiser usually are. The Enhancer is very objective about money, seeing ways they can invest it to maximize their returns. Both types highly value education and will put a great deal of money towards broadening their knowledge base. When they have extra money, they put less of it towards furniture and fashion and more of it towards education, travel and creative pursuits.

E. Hunter™'s Comment:

They will do it within the budget but will give you the death stare if questioned on minutiae. Tactics such as charging the air conditioning service to the gardening budget is considered to be operating at peak efficiency.

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