Our approach
These four archetypes are loosely inspired by financial psychology research into money scripts — the subconscious beliefs that shape how people spend, save, and avoid dealing with money.
Money Baseline translates that research into a quick, plain-language self-reflection tool. It's not therapy and it's not a clinical assessment — just a starting point for noticing your own patterns.
We deliberately avoid diagnostic or clinical language. Your result is a mirror, not a verdict — a way to name a tendency you might already sense in yourself, so you can decide what, if anything, to do about it.
Further reading
- Klontz, B., Britt, S. L., Mentzer, J., & Klontz, T. (2011). Money Beliefs and Financial Behaviors: Development of the Klontz Money Script Inventory. Journal of Financial Therapy, 2(1).
- Klontz, B., & Klontz, T. Mind Over Money: Overcoming the Money Disorders That Threaten Our Financial Health.
Money Baseline is not affiliated with or endorsed by the authors above — we simply drew on their published research when shaping our own, original archetype framework.