Need to know
- Your money habits aren’t just about cash: They reveal how your personality, emotions, and past shape every financial choice.
- Inherited patterns matter: Janez Vermeiren’s Money Fingerprint™ showed that family history and experiences can drive prudence, risk, and anxiety.
- Smarter advice starts with you: Understanding your Money Fingerprint™ helps align goals, emotions, and behaviour - making plans truly actionable.
Your financial journey isn’t just numbers. It’s memory, fear, hope and family.
So what happens when you sit down with a behavioural finance expert and unpack your personal Money Fingerprint™?
Multi-award winning South African television personality and entrepreneur Janez Vermeiren completed the Momentum Money Fingerprint™ assessment. Then he sat down with Paul Nixon, Momentum’s Head of Behavioural Finance, to unpack the results.
Not his income.
Not his assets.
His behaviour.
Discover what emerged from his financial DNA and how understanding your own patterns could shift the way you see money. Plus, uncover your unique relationship with money and the behaviours shaping your financial decisions by taking the free Money Fingerprint™ assessment.
The Money Fingerprint™ is a proprietary behavioural finance tool, unique to Momentum. It reveals your natural tendencies when it comes to money - how your personality, emotions and past experiences shape the way you save, spend, invest and respond to risk.
What Janez’s money patterns revealed
Janez’s results showed something interesting.
High prudence.
Strong future focus.
But also a degree of money anxiety.
The Money Fingerprint™ does not tell you why those patterns exist.
It shows you that they exist.
That insight gave Paul a starting point.
“If there’s anxiety around money,” he asked, “what might have shaped that?”
And that is when the story surfaced.
The money story behind his behaviour
Janez shared how his grandfather built a successful business, sold it, invested heavily in tech stocks during the dotcom boom and lost up to 95 percent of the family’s wealth.
That experience did not appear in a financial statement.
But it lives in behaviour.
It shapes how risk is perceived.
It influences how security is defined.
It informs how decisions are made today.
The Money Fingerprint™ did not reveal the event.
It revealed the pattern.
And the pattern led to the conversation.
The key drivers shaping money habits
Momentum’s Money Fingerprint™ uncovers 3 key drivers behind your financial behaviour:
Around 50 percent of personality traits are inherited and remain relatively stable over time. That means many of your financial tendencies are deeply wired.
Understanding them changes how advice is delivered.
Unpacking the deeper meaning behind your financial goals
In the conversation, Janez speaks about wanting a holiday home.
On paper, that is a property goal.
In reality, it is about family. Time. Shared experience.
The Money Fingerprint™ helps uncover these deeper drivers.
Because when advice connects to what truly motivates someone, behaviour becomes consistent.
If a plan is only about numbers, it feels mechanical.
If it is connected to identity and purpose, it becomes actionable.
Because when advice connects to what truly motivates someone, behaviour becomes consistent.
Why this matters for financial advice
Most financial advice focuses on products and performance.
The Momentum Money Fingerprint™ adds behavioural science.
Momentum accredited financial advisers are trained to interpret a client’s full Money Fingerprint™ profile. They use it to:
- Anticipate emotional reactions during market volatility
- Align risk strategies with true comfort levels
- Identify blind spots before they become costly decisions
- Connect financial goals to personal drivers
This is how advice meets context.
And context creates clarity.
This approach reflects Momentum’s Science of Success philosophy: Success favours the focused.
And focus starts with understanding yourself.
Discover your own Money Fingerprint™
While we share just a glimpse of Janez’s results, the full Money Fingerprint™ assessment uncovers deeper behavioural insights that Momentum-accredited financial advisers use to tailor advice around who you are, not just what you earn.
You can take the assessment here:
Your financial journey is personal.
Understanding your patterns is the first step toward building and protecting your financial dreams.
Unlock the Science of Success
Your financial habits tell a story. Speak to a Momentum financial adviser to transform insights into a personalised plan that aligns with your goals.
Want to explore further? Visit the Science of Success hub to access festivals, masterclasses, expert insights, podcasts, and videos that guide smarter money choices.
Share this
@MomentumZA
@Momentum_za
Momentum_2
@momentumza
momentumgrouptv
