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CASHFLOW Quadrant
Differences between S and B
In business transactions, I often see a bright S, such as an attorney,
put a multimillion-dollar deal together for a B, a business owner. When
the transaction is completed, the attorney becomes silently angry because
the B makes millions and the S earns an hourly wage.
Their words may sound like this:
The attorney, the S, might say: “We did all the work, and he made
all the money.”
The business owner, the B, might say: “How many hours did those
guys bill us for? We could have bought the whole law firm for what
they charged.”
Differences between E and I
Another example is a bank manager who gives an investor a loan
to buy some real estate. The investor makes hundreds of thousands of
tax-free dollars, and the banker gets a paycheck that is taxed heavily.
The bank manager, the E, might say: “I give that guy a loan, and he
doesn’t even say thank you. I don’t think he knows how hard we worked
for him.”
The investor, the I, might say: “Boy, those guys are picky. Look at all
this useless paperwork we have to do just to get a lousy loan.”
Emotionally Volatile Marriage
The most emotionally volatile marriage I have ever witnessed was a
couple where the wife was a hard-core E who believed in a job for
financial security, while the husband fancied himself a high-flying I.
He thought he was a future Warren Buffett but, in reality, he was an
S —a commission-only salesman by profession, and a chronic gambler
at heart. He was always looking for the investment that would help
him get rich quick. He was all ears for any new stock offering, offshore
investment scheme that promised ultra-high returns, or a real estate
deal he could take an option on. This couple is still together, but I really
don’t know why. Each drives the other nuts. One person thrives on risk;
the other hates risk. Different quadrants. Different core values.
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