Bullies aren’t just on the playground or online. Money bullies are often lurking close to home — a family member, friend, even you. Since October is Bullying Awareness Month, financial advisor Tony Drake, CFP® talks with Milwaukee’s WTMJ-4 about the most common money bullies and how to handle them.

1. The Expert – This money bully would likely be shocked to be accused of bullying. These “experts” believe they are being helpful, but what they’re really doing is bragging and giving unsolicited advice. Sometimes you can end their behavior by simply saying “Thank you” and changing the subject. If they don’t stop, you may need to sit down with them and let them know you don’t appreciate their advice.

2. The One Upper – We all know one uppers. When it comes to our finances, these money bullies always let you know when they get a better deal or a better return on their investments. In dealing with one uppers, it can often be best to take the high road. Just say, “Wow, that’s great.” And then move on.

3. The Shamer – This is the person who has no sympathy. If you lost your job or were victim to a scam, they believe if you were smarter you could have prevented it. They can’t understand how you could think about going on vacation when you should be funding your retirement or why you are buying that expensive pair of shoes. In dealing with a shamer, you must realize each person’s financial goals are different. You can rest easy knowing you have a plan for your future.

4. The Discipliner – This person takes a rigid approach to their finances and believes everyone else should do the same. They don’t believe in having credit card debt. In fact, they can’t understand having credit cards at all. They are not concerned with credit scores because they believe cash is king. You won’t likely change this person’s mind. It may be a better move to say something like “you may be right” and move on.

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