Personality Types

Every Ozzie user is classified into one of four money personality types. The type is determined by a quiz and stored by your application. It shapes the user's envelope weight distribution, plan action items, money move framing, and AI coaching tone.

The four types

Type	Core trait	Financial instinct
HOTSHOT	Risk-taker, growth-oriented	Prioritizes return on investment; comfortable with aggressive allocation toward lifestyle and future
STOCKPILER	Security-first	Prioritizes savings above all; high goal allocation, disciplined daily spending
GIVER	People-centered	Prioritizes spending on others; high people envelope allocation
INDEPENDENT	Self-directed	Resists prescription; prefers an equal split across envelopes

How personality affects the plan

When a plan is generated, the envelope allocations are weighted by personality type. The future and bills buckets are calculated by the plan algorithm from intake data; the four flexible envelopes are personality-weighted.

See the Envelope System guide for the full weight table per personality.

For STOCKPILER specifically, the goal allocation receives an additional +5% boost from the future envelope weight before other envelopes are distributed.

plan_speed — adjusting goal allocation

When generating a plan, callers can optionally pass plan_speed alongside personality_type. This lets users choose how aggressively they want to reach their goal:

plan_speed	Effect on goal_pct
`conservative`	−5 percentage points — more disposable income, slower goal
`moderate`	No change — default behavior
`aggressive`	+5 percentage points — less disposable income, faster goal

How personality_type and plan_speed combine

The personality-type adjustment runs first, then plan_speed is applied on top. The effects are additive:

personality_type	Base goal boost	plan_speed	Combined effect
STOCKPILER	+5%	aggressive	+10% total
STOCKPILER	+5%	conservative	+0% net (5 − 5)
GIVER	−5% (lower goal weight)	aggressive	0% net
HOTSHOT	0%	aggressive	+5%
INDEPENDENT	0%	moderate	0% (baseline)

Example: STOCKPILER + aggressive

curl -X POST https://api.ozzieapp.com/v1/users/ozz_usr_01HX9KZMR4P5JQNBVT7YCW3DE/plan/generate \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{ "personality_type": "STOCKPILER", "plan_speed": "aggressive" }'

This produces a plan where the goal envelope receives the personality-type STOCKPILER base (+5%) plus the aggressive speed boost (+5%), resulting in +10% more allocated to the future envelope compared to an INDEPENDENT + moderate baseline.

Storing and passing plan_speed

Store plan_speed in your database alongside plan_tier after each plan generation. Pass it back in user_context.plan_speed when calling the chat endpoint so Ozzie can reference the user's chosen pace in conversation.

The quiz flow

Personality is scored during onboarding — between financial intake submission and plan generation. Your application calls the scoring endpoint, receives the result, and stores it.

GET  /v1/personality/questions      → quiz catalog
User answers the questions in your UI
POST /v1/personality/score          → returns personality_type
Your app stores personality_type
POST /v1/users/:id/plan/generate    → body: { personality_type }

Step 1 — Get quiz questions

curl
Node.js

curl https://api.ozzieapp.com/v1/personality/questions \
  -H "Authorization: Bearer YOUR_TOKEN"

const res = await fetch(
  'https://api.ozzieapp.com/v1/personality/questions',
  { headers: { 'Authorization': `Bearer ${token}` } }
);
const { data } = await res.json();
const questions = data.questions;

Response:

{
  "object": "list",
  "data": {
    "questions": [
      {
        "id": "q_001",
        "text": "When you get extra money, what do you do first?",
        "options": [
          { "id": "q_001_a", "text": "Invest it right away" },
          { "id": "q_001_b", "text": "Move it to savings" },
          { "id": "q_001_c", "text": "Treat someone I love" },
          { "id": "q_001_d", "text": "Decide for myself based on my current priorities" }
        ]
      },
      {
        "id": "q_002",
        "text": "What makes you feel most secure about money?",
        "options": [
          { "id": "q_002_a", "text": "Having it working hard for me in the market" },
          { "id": "q_002_b", "text": "A large emergency fund I can always count on" },
          { "id": "q_002_c", "text": "Knowing my family and friends are taken care of" },
          { "id": "q_002_d", "text": "Making my own decisions without a fixed plan" }
        ]
      }
    ],
    "total": 10
  }
}

Step 2 — Score answers

After collecting answers from the user, submit them:

curl
Node.js

curl -X POST https://api.ozzieapp.com/v1/personality/score \
  -H "Authorization: Bearer YOUR_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "answers": [
      { "question_id": "q_001", "option_id": "q_001_b" },
      { "question_id": "q_002", "option_id": "q_002_b" }
    ]
  }'

const res = await fetch(
  'https://api.ozzieapp.com/v1/personality/score',
  {
    method: 'POST',
    headers: {
      'Authorization': `Bearer ${token}`,
      'Content-Type': 'application/json',
    },
    body: JSON.stringify({
      answers: [
        { question_id: 'q_001', option_id: 'q_001_b' },
        { question_id: 'q_002', option_id: 'q_002_b' },
      ],
    }),
  }
);
const { data } = await res.json();
const personalityType = data.personality_type;
console.log(personalityType); // "STOCKPILER"
// Store personalityType in your database

Response:

{
  "object": "personality_score",
  "data": {
    "personality_type": "STOCKPILER",
    "score_breakdown": {
      "HOTSHOT": 1,
      "STOCKPILER": 7,
      "GIVER": 1,
      "INDEPENDENT": 1
    }
  }
}

Store the personality_type in your database. It is not stored in ozzie-openapi — you must pass it on every subsequent call that uses it.

How personality affects AI coaching tone

Pass personality_type in POST /v1/users/:id/chat/completion and the AI adjusts its framing accordingly:

Type	Chat / plan tone
HOTSHOT	Growth-focused language; frames savings in terms of future returns; celebrates bold moves
STOCKPILER	Security framing; emphasizes fund milestones, savings rates, and emergency buffers
GIVER	People-first language; acknowledges generosity as a value; helps balance giving with saving
INDEPENDENT	Non-prescriptive; presents options rather than directives; respects autonomy

For decision questions ("should I…"), the AI also adjusts its clarifying question style:

Type	Clarifying question style
HOTSHOT	Probes expected upside and worst-case scenario
STOCKPILER	Asks about impact on emergency fund and savings rate
GIVER	Explores who else the decision affects
INDEPENDENT	Asks what alternatives the user already considered

Errors

Code	HTTP	When
`NOT_FOUND`	404	User does not exist
`VALIDATION_ERROR`	400	Answers array is missing or malformed

The four types​

How personality affects the plan​

plan_speed — adjusting goal allocation​

How personality_type and plan_speed combine​

Example: STOCKPILER + aggressive​

Storing and passing plan_speed​

The quiz flow​

Step 1 — Get quiz questions​

Step 2 — Score answers​

How personality affects AI coaching tone​

Errors​