Cover art for podcast How Money Works

How Money Works

64 EpisodesProduced by Craig MoserWebsite

Husband and wife team, Craig and Jennifer Moser of Maestro Wealth Advisors discuss crucial tips for planning your successful retirement. Listen for valuable insight from professionals with unique insight and perspective on How Money Works.If you need any help with your financial or retirement plan, … read more


Ep 15: What’s Your Spending Personality?

On today’s episode of How Money Works, Craig and Jennifer Moser break down the different personalities of spenders and how those traits could affect your retirement.

YOLO spender

Using the “You Only Live Once” philosophy, these spenders go overboard on lavish expenses and purchases.

These tend to be people who didn’t have much money and then inherited a bunch. They often feel guilty for getting so much money. Some want to give family members a lot of money or spend lavishly. But we always advise them to be careful and plan for the future.

“Don't go buy the RV, the boat and then start getting a suntan machine,” said Craig.


Emotional spender

Had a good day? Go out to eat. Had a bad day? Go out to eat. Stressed and tired? Go out to eat.

“That's me. I’m the emotional spender,” said Craig. “Most people roll their eyes when we talk about budgeting, and I’m one of them.”

But developing a budget is crucial to planning for retirement.


Savvy spender

Savvy spenders, like Jennifer, tend to have a budget, evaluate every purchase, be frugal, only spend when needed, prioritize quality over quantity and spend on experiences instead of stuff.


The miser

Misers believe any sort of spending, even when necessary, is stressful and guilt inducing. Their money decisions are often based out of fear that they won’t have enough. They saved diligently but then are afraid to spend the money.

Craig’s father was an example of this. He experienced the Great Depression and has always been tight with money.


Get additional financial planning resources here: 


What we discuss on this show: 

0:44 – YOLO spender

2:22 – Emotional spender

4:46 – Savvy spender

6:38 – The miser

Educational emoji reaction


Interesting emoji reaction


Funny emoji reaction


Agree emoji reaction


Love emoji reaction


Wow emoji reaction


Are you the creator of this podcast?

Verify your account

and pick the featured episodes for your show.

Listen to How Money Works


A free podcast app for iPhone and Android

  • User-created playlists and collections
  • Download episodes while on WiFi to listen without using mobile data
  • Stream podcast episodes without waiting for a download
  • Queue episodes to create a personal continuous playlist
RadioPublic on iOS and Android
Or by RSS
RSS feed

Connect with listeners

Podcasters use the RadioPublic listener relationship platform to build lasting connections with fans

Yes, let's begin connecting
Browser window

Find new listeners

  • A dedicated website for your podcast
  • Web embed players designed to convert visitors to listeners in the RadioPublic apps for iPhone and Android
Clicking mouse cursor

Understand your audience

  • Capture listener activity with affinity scores
  • Measure your promotional campaigns and integrate with Google and Facebook analytics
Graph of increasing value

Engage your fanbase

  • Deliver timely Calls To Action, including email acquistion for your mailing list
  • Share exactly the right moment in an episode via text, email, and social media
Icon of cellphone with money

Make money

  • Tip and transfer funds directly to podcastsers
  • Earn money for qualified plays in the RadioPublic apps with Paid Listens