Actually it's a combination of tattva Rashi,bhav and planet which decides this. like Prithvi tatva likes to accumulate and will not let go of things easily. Planets in Artha tricona also think of finances first. Saturn is the planet who doesn't like to spend unnecessarily and sign of Capricorn and Virgo think twice before spending. where as mars will not hesitate spending and won't think of future. so basically you have to see

what combination is impacting your lagan lagnesh and Moon accordingly nature is decided.