This Is NOT A Book About Money

It's A Book About Money Behavior

Behavior matters. Wealth is a constant process of self-actualization. It’s measured emotionally, not tangibly.

Behavioral Financial Wellness Catalyst

What You Know About Money Is Making You Broke

UPI Loan Fund Adopts Discover Your Money Temperament, A Common-Sense Guide to Financial Security for their mission statement and Behavioral Financial Wellness Program. UPI is paving the way to bring healthy, behavioral financial wellness access to low income communities.

What Others Are Saying About the Book

Be ready for a complete personal finance paradigm shift, and to be inspired to begin your journey. This practical financial road-map is written in plain English for people who like me, have financial aspirations, little mental energy to commit to the process of a personal financial overhaul and even less interest in personal finance. If I were naming this book, I would have chosen something like, “Need Help Money? Start Here."

Kandice Whitaker, MBA
Sterling Investment Funding

Watch My Recent Interview From the UK, As I Explain My Money Behavior SystemTM to BV-TV Leadership Matters Channel Host Malcolm Gallagher

“Human behavior is a subject of intrigue to me. About ten years ago, needing financial understanding, I silently sat and listened to Ted explain behavioral finance. And for the first time in my life I was able to make a connection between my behavior and money. Our temperaments, influences how we spend, save, and invest our money. Ten years later, I'm running a successful media  corporation and with a smile. I can attest to this truth; understanding your money temperaments is the gateway to financial freedom.”

Reuben Wanjala

CEO Leeds Press Corporation

“As a business strategists who deals in results and behavioral consequences every day, I quickly recognized the immense value in Ted McLyman's behavioral financial planning model. It represents a powerful paradigm shift that I believe will rock the financial industry, restore confidence, and create results.”

Tony Jeary

Business Strategist, coach, and author

"In his book, Discover Your Money Temperament, Ted is right on point that "You" must take charge of your financial planning. The plan must be tailored for you, not a cookie cutter plan that is applied to all. In order to do this, you must identify what wakes you tick and what your values are. In other words, what your "behaviors" are. If you don't do this fundamental step, the chances that you will identify, follow through and ultimately meet your financial objectives will be greatly diminished."

Connie Murray

VP of Manufacturing (retired) The Coca-Cola Company

“Ted McLyman has the sense to admit that even people who manage other people's money go crazy trying to understand how and why people do what they do with money. McLyman figures out a missing piece in the human money equation that others like myself have ignored for years.”

Paul Monson

Economist and Chief of Staff, USDA Forest Service

"As a CFP (Certified Financial Planner) I can't recommend this book enough. It is very thoughtfully written and provides a very common sense way to understand how you are naturally wired to deal with money and financial planning. This book is a MUST read for clients AND financial professionals! In addition to serving as a great guide it also makes a great "ice breaker" for financial professionals to provide to their clients. Very relevant and helpful content. Well done Ted!"

Kurt Meuller

CFP | from

"A unique, practical, and powerful approach to achieving financial security. Ted McLyman teaches you that through a better understanding of yourself you can make better decisions regarding money. If I had to recommend one book in the financial genre, this would be the one."

Dr. Paul Michaud

MD | from

"Finally a readable book on finance because it’s about understanding yourself and how you think about money! This was a fantastic purchase!"

Justin Annis

Business Owner | from

Listen to My Interview Douglas Coleman

Listen to My Interview With Dare to be Authentic Radio Host

Mari Michell, CPC

Start Making Better Money Choices

Discover Your MONEY TEMPERAMENTTM and Unleash Your Money Superpowers!

"If you've ever run into a store to buy one small thing, only to spent a small fortune, and forget to buy what you originally when to the store for - this book is for you."  - Ted McLyman

Why You Must Read and Share


Ok, Why This Book?

Why read this book and share it with others?


You’ll learn why you are not hardwired to make excellent money choices – your brain is designed to keep you alive and pass on your genes, not to pay taxes or figure out how to day trade.


You’ll learn why the conventional wisdom about money is wrong – humans are emotional animals who think and not thinking animals with emotions.


You’ll learn five easy steps to help you immediately start making better money choices and start to build wealth and financial security – or whatever your top money values are.

Why Another Book About Money?

How is this book different from traditional books about money?


I wrote this book for everybody who spends money – regardless of your background, education, or experience with money.


I wrote this book to be a fun and straightforward guide to discovering your unique Money Temperament – no technical jargon about money, finance, and economics.


I wrote this book for people who would never consider buying a book about money, personal finance, or economics – but should.

I wrote this book for everyone who spends money - especially people who would never buy a book about money, but should. You'll learn why how you feel and think about money is making you broke and how to fix it in five easy steps.

Ted McLyman

Discover Your Money Temperament, A Common-Sense guide to financial security 

Part I: Biology, Beliefs, Culture, and the Rules Have Changed

What You Know About Money May Be Wrong For You

Why is it important for you to discover your Money Temperament?


Your Money Temperament is how you naturally feel and think about money – it’s your default spending behavior.


Your Money Temperament is a product of your biology, money beliefs, and culture - it's unique to you and drives your spending choices.


Your Money Temperament must align with the new rules of money – what worked a few years ago may not work for you today.

Managing Money Well Is About Leadership

Ted McLyman

“Today, money is a common denominator of modern life. Like it or not, you must understand money - what it is and how it works - to function and thrive in a modern economy. 

Unfortunately, we spend little time or resources on the one variable that determines money success - Money Temperament.

My mission is to change the conventional wisdom about money and financial literacy. You must know and control your money temperament before you manage your money.”


Part II: The Money Behavior System

A Common-Sense System

How will the Money Behavior SystemTM help you make better money choices? 


The Money Behavior SystemTM is a revolutionary one-size-fits-YOU approach to better spending – focusing on spending behavior and not on activities, products, and services.


The Money Behavior SystemTM is a revolutionary easy to follow system – only five common-sense steps to follow. 


The Money Behavior SystemTM is the critical front end traditional financial literacy training and education programs miss – and the reason conventional one-size-fits-all systems fail.

Meet the Author

Ted McLyman

Author | Entrepreneur | Business Owner | Speaker | Trainer | Lt Col, USMC (Ret) | Ironman Triathlete  

Behavioral Financial Wellness Catalyst

Ted McLyman

Over 30 years of award-winning experience, helping individuals and organizations achieve peak performance.

Founder Apexx Behavioral Financial Group, Director of Behavioral Financial Wellness,; financial advisor/agent; economics instructor, US Naval Academy; Aide to the Under Secretary of the Navy for Financial Management; Head, Marine Corp Training Management Division; Commander, USMC Financial Management School; artillery officer; Executive Officer, Battle Assessment Team, Operation Desert Storm.

BA Social Relations, Colgate University; MA Public Administration, Pepperdine University; and MS Instructional and Performance Technology, Boise State University.

Authored three books on money temperament and behavioral finance wellness. Created the Money Behavior System and Quick Scan Money Temperament Assessment. 

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