Are you a superhero with your money? You are? Great!
But here’s the thing — there are so many superheroes, and so many different ways to handle funds, that considering yourself a monetary superhero might actually be considered a form of self-loathing.
With that in mind, we thought we’d gather up a few popular heroes and assign them a particular saver type.
Which one are you? Are you an awesome savings superhero, or a sad one who might be better living a life of crime?
Let’s find out!
You Live Simply and Save Every Penny:
You are Superman, the Man of Steel with a wallet to match, apparently.
You’ve got a good job (newspaper reporter) and a fun hobby (saving the world,) but you don’t really want for money that much.
You live simply (the Fortress of Solitude isn’t exactly elaborately furnished,) save your money, and are quite happy this way.
In Kal-El’s case, he doesn’t spend money partly because he’s literally an alien, and thus doesn’t need to worry about food, rent or many other human necessities.
But he’s a good-looking guy even in Clark Kent form, and could easily blow his earnings on fancy parties, gorgeous lovers, and fancy cars.
He doesn’t NEED them, but who truly does? You don’t, for you are a Super Saver! Y
ou make your money, spend what you need (since unlike Supers, you have to eat and pay to live somewhere,) and stow away the rest for the future. Lois Lane would be proud.
You Save Money, Which You Then Spend Too Early:
You’re Wolverine. You are the best at what you do, but this time, what you do isn’t very smart.
Aside from a bad attitude and claws of death, you are most known for his hair-trigger temper and an over-reliance on emotions.
This has gotten him into more than his fair share of scraps. Luckily for him, he has a near-instantaneous healing factor to save his hairy behind.
You, on the other hand, do not, so when you get into trouble — in this case, spending your savings too early on something that maybe wasn’t as necessary as you first thought — there is no magical healing period.
Just financial bleeding that you hope never happens again.
Wolverine is cool and awesome when battling Magneto, but he is a bad role model for thinking things through.
If he didn’t have room and board paid for by Professor X, he’d probably never make rent. And if you prematurely dive into your savings, you likely won’t either.
You Want to Save, but Never Have Enough:
You are the friendly neighborhood Spider-Man, which is fine except for when you have to be Peter Parker. Because for all his cool powers and dating of Mary Jane, Parker rarely does well for himself.
As a mortal, Parker needs to eat and pay rent like any of us. To that end, he delivers pizza and uses his curious ability to take great pictures of Spidey to get work as a freelance photographer.
Combined, these two jobs pay the bills, though Parker isn’t exactly living the life of luxury either.
His hole-in-the-wall New York City studio apartment is pretty much the envy of no one, but it’s all he can afford.
Many of us are in Peter’s shoes.
We work hard and would absolutely love to set money aside for retirement (can’t climb on walls and punch bad guys forever, you know,) but every cent we earn goes toward bills in the present.
Maybe one day, when things look up and more money comes in, we can put some aside every month. But for now, doing so might mean no lights.
You Just Spend, Spend, Spend:
You are Iron Man, and Spidey hates your guts. You have more money than you know what to do with, so you do literally everything with it.
You remember how earlier we said that Superman COULD spend his money on cars and parties, but chooses not to? Well, you do, along with everything else.
It’s a good thing Stark Industries makes a ton of money for you, or you’d wind up broke in under six months.
Now, how about those of you with a similar spending habit, but without a billion-dollar industry to continually fund it?
If you go out and blow your paycheck on pointless stuff like parties and cars, even if you could easily put $100 or more in savings each week, then you are digging an immense hole for yourself should something bad happen down the line.
And if you think that couldn’t possibly happen to you: ask MC Hammer how life was after 1992.
You Save Well and Invest Well:
You are vengeance. You are the night. You are Batman! And thankfully, not the George Clooney version.
You are Iron Man, but with self-control. You have billions and billions of dollars, and your business constantly generates more, but you don’t blow it at all.
While you certainly pour money into being Batman, and spend just enough on women and fancy parties to keep up the whole “billionaire playboy” alter ego you’ve got going, the rest of it gets saved and invested in expanding your company.
This, in turn, earns you even more money to become an even better Batman.
As anyone on the Internet will tell you, the best thing to be in life is to be Batman. Or at least handle your money like he does.
Make a good income, save as much as possible, don’t develop any stupid habits (Batman’s a teetotaller, an activity which can save people hundreds, if not thousands, per year,) learn to smartly invest your funds and make them grow, and you’ll never want for anything.
Well, maybe some Bat Shark-Repellent. That stuff’s hard to find these days.
Mary Hiers is a personal finance writer who helps people earn more and spend less.