The Three Money Types: Not Enough, Too Much, Just Right

Why Understanding Your Type Matters

One of the most powerful chapters in the book is the introduction of the three money types. It offers a simple way to understand where you stand today and what you need to do next. People often make assumptions about their financial position. These assumptions rarely match reality. The three money types bring clarity.

Understanding three money types financial planning helps you make decisions that feel grounded and informed rather than reactive.

The “Not Enoughs”

The first group is the one most people fear being in. The “Not Enoughs” feel behind. They worry about the future. They often think they need a dramatic change to regain stability, but the truth is usually more reassuring.

In many cases, they need:

• a clearer plan

• better visibility of spending

• a more realistic sense of future income

• small but meaningful adjustments

Not Enough rarely means hopeless. It usually means unclear.

MoneyHelper provides helpful guidance for people wanting to take control of their everyday finances:
https://www.moneyhelper.org.uk

The “Too Muches”

Surprisingly, this is often the largest group. The “Too Muches” live cautiously. They fear running out despite having more than enough. They hold back on experiences, hesitate to make changes and carry unnecessary anxiety.

Many spend years working longer than they need to or living below their potential. When they finally see their plan clearly, they realise they had freedom all along.

ONS data reflects this pattern. Many people accumulate wealth but never fully use it:
https://www.ons.gov.uk/peoplepopulationandcommunity

This group benefits massively from clarity. It allows them to live more boldly and more joyfully.

The “Just Rights”

The third group sits in the middle. These people have exactly what they need to live well. The challenge is that they often don’t know it. They feel uncertain, not because their finances are unstable, but because their understanding is incomplete.

Clear planning transforms their confidence. It gives them the assurance they need to make stronger decisions about work, retirement, spending and family support.

Xentum’s planning approach helps this group find a sense of calm and direction: Fixed Fee

Why This Framework Is So Powerful

People often underestimate the emotional impact of not knowing where they stand. When you discover your type, you gain a new sense of perspective. You realise which fears are real and which are imagined.

The three money types provide:

• a simple starting point

• a clear understanding of your position

• reassurance that you are not alone

• a sense of direction for your next steps

It helps you judge your situation without emotion clouding the truth.

The Path Forward

Each money type has a different path, but all three have one thing in common: clarity is the key. Understanding your bucket, your taps and your future wealth gives you the structure to take the right next step. It helps you act with intention rather than guesswork.

To explore the deeper meaning of these three categories, the Enough book offers a complete explanation: Enough

A More Confident Future Starts With Knowing Your Type

Once you know whether you are Not Enough, Too Much or Just Right, the rest becomes clearer. You make decisions with more certainty. You feel more settled. You understand your future instead of fearing it.

This chapter often becomes a moment of self-recognition for readers. It gives them language for their situation. It gives them clarity. And it gives them confidence to move forward with purpose.