Writers 
Behind every gift lies a mindset, and behind every financial decision sits a belief system. The way a person gives, receives, spends, borrows, bargains, or withholds money reveals far more about their character than their words ever will. It exposes their emotional state their sense of power, identity, security, fear, love, control, and sometimes even manipulation.
This discussion is not about the reasons behind giving. Instead, it focuses on the kinds of people we become through our behavior with money and gifts the patterns that quietly shape our relationships and define our character.
THE IMPULSE OPPORTUNIST
These set of people are constantly searching for free things, they think they can get something for nothing, unknown to them is there's nothing free, and everything has a price. They embrace the free lunch, these people think they are smarter than the system and they can beat it. They are very calculative and their behavior is usually obvious, they know the latest place where there is discount, they are always the one seeking for bonus, they also like free things. They wait for free ride to save pennies that they will eventually squander, they like betting and they always think they'll be lucky, when you start a discount offer, they are the first in the line as if they are expecting, they beg for money and if you don’t give them, you are their enemy because of their entitlement mindset, they like borrowing without refunding, and they have right over someone else's decision towards gifting and giving. They rely on inheritance. Ask them to serve themselves, the whole pot is not enough they will even ask for more. They are happy looters, at any chance they just want to steal.
Often times, they aren't interested in studying human psychology, relationship behaviors, all they are after is how to exploit, they are motivated by “free and easy to get things ” and every opportunity to exploit, due to their greed, they are predictable and this makes them prey for scammers. These people are better avoided, they will drain you, and when you work with them? They want to be the core of everything. They are opportunist, and are likely to take everything from you, your time, money, materials and even your peace. If you don’t avoid them, the greedy rooted ones might take your life.
THE PRICE PREDATOR
They bargain at gun point, they can even trade their life for dimes. They are relentless in negotiation, they possess various strategies of bargaining. They always know where things are cheaper, they want low price with high quality, luxury & aesthetics. Premium services and king treatment with at low rate and when you mention your price, they remember where they can get it at cheaper price. You don’t have to worry, that's who they are everywhere they go.
They are easy to identify, they wander around seeking for cheap things and offers, even when they eventually buy they are still regretting, thinking where they would have gotten it cheaper. Everyone goes to market during the day, but everyone is not that conscious, they only go when the seller is about to close for the day. If this type of people surround your business they will not only kill your business but also your potentials. They will make you doubt your skills and abilities. They are mostly time wasters and it affect all the areas of their life. Their obsession with bargaining to save more money ends up costing them time, peace and even their relationships.
THE HAPPY DEBTOR
These are the people who are just comfortable owing money. They are happy debtors. When you ask for your refund or to pay for good/services, their usual response when are not ready to pay is, “I’m not the first person to owe, and I won’t be the last. I’ll pay when I have it.” What starts as a simple debt often turns into bad debt.
Sometimes they actually have the money but are unwilling to pay. Other times, they simply don’t consider repayment important enough to include in their budget. They are at their calmest when they owe you. There is no urgency, no clear plan to repay just promises and reassurance. Yet when they need help, they can humble themselves completely and act desperate for your support, just help them and you regret.
Another version of this personality is the so-called “oppressor.” If you work for them, they delay your payment and keep making promises. The moment you demand what is rightfully yours, they become defensive or angry. They accuse you of overcharging or act as if you’re too money-conscious. They suggest installment payments, yet still fail to stay consistent.
When doing business with you, they behave as though they are doing you a favor simply by choosing you. Their promises rarely materialize. And if they ever help you once, you become a public case study a reminder that you “owe” them gratitude forever.
For the sake of your sanity and self-respect, it is often best to avoid such people. Even when they finally pay, they make you feel small for asking. And when they don’t, you are left to absorb the financial loss and emotional frustration.
THE LIMITLESS GIVER
These are the people who give without boundaries, even when it costs them their comfort or financial stability. Their emotions are easily accessible, and they give excessively, often in search of validation. To them, generosity is a pathway to love. When that love is not returned, they feel deeply disappointed and sometimes resentful. Saying “no” feels like a crime to them, they carry guilt whenever they try to set limits. Their mouth says “yes” so often that it overload their back. This pattern is usually rooted in their upbringing, they may have learned that love is conditional that acceptance must be earned through sacrifice (gift/money). For them, gifts become proof of worth. They believe that if they stop giving, they will be rejected.
In relationships, they may give you everything you ask for. But the moment their resources run low, they withdraw, because giving is the only way they know how to express affection. Without something to offer, they feel empty or unworthy. Sometimes this pattern becomes even more confusing. They might beat the partner today, and overwhelm them with gifts the next. The generosity makes it difficult to tell whether it is genuine love or emotional compensation. They believe giving makes them acceptable, so they use it to cover their flaws instead of working on their character.
They are not bad people. In fact, many of them are kind-hearted. But without boundaries, their generosity can become self-destructive and being close to them can eventually feel draining.
STRATEGIC GENEROSITY
These are calculated individuals. They know what to give, who to give to, when to give, and how to give. To them, generosity is not an emotional reaction it is a tool that strengthens meaningful partnerships and long-term relationships.
When people ask them for help, they do not respond impulsively. They pause, assess the situation, and they are comfortable saying “no” when necessary. Most time, this is often misunderstood. People assume they are stingy, wicked, or selfish simply because they do not give freely. But they understand a hard truth: the receiver is rarely satisfied. Once you give without structure, the expectation only increases.
Sometimes what a person truly needs is guidance, discipline, or opportunity but all they want is money, believing it will solve everything. Yet when money becomes the only solution, new problems quickly replace old ones. Strategic givers understand that lasting help comes from identifying and addressing the root cause, not just funding the symptoms.
They invest intentionally in relationships that matter. They build loyalty with a selected few rather than scattering their resources everywhere. Their generosity is not random kindness; it is disciplined generosity. Some may call it manipulation, but that interpretation misses the point. They simply refuse to allow emotion to control their resources.
They believe money must flow, it should not be accumulated out of fear of losing it, but they also believe it must flow through the right channels. If money never moves, it stagnates, and if it flows everywhere without direction, it runs dry. Balance is their philosophy and watch word.
These are the kinds of people worth associating with. They will not always give you what you ask for, but they will teach you how to build your own hidden capacity. They manage their time, finances, and energy carefully and they encourage you to do the same. Beyond material support, they offer wisdom, structure, and growth.
