The article addresses a key theoretical gap between the rich empirical field of financial behavior research, focused on establishing correlations, and personality theories capable of uncovering their underlying psychological mechanisms. Its objective is to develop and theoretically substantiate a model explaining the determination of financial behavior through the concept of personality adaptations within transactional analysis. The methodological foundation is a synthesis of the model of six personality adaptations (Ware, Kahler) with their script origins (Stewart, Joines), which allows moving beyond trait description to the analysis of dynamic patterns. This synthesis is integrated with the classical three-component model of attitude (cognitive, affective, behavioral components). The method of theoretical reconstruction enabled the deduction of the financial manifestations of the adaptations. The main results are as follows: 1) an explanatory pattern is developed: “personality adaptation → basic belief / key need → configuration of financial attitude (symbolic meaning of money, racket feelings, behavioral strategies) → financial behavior”; 2) a detailed typology is presented. For each of the six adaptations (“Creative Dreamer”, “Brilliant Skeptic”, “Charming Manipulator”, “Playful Rebel”, “Responsible Workaholic”, “Overreacting Enthusiast”), the specific symbolic meaning of money, the dominant affective background, and stable patterns in the areas of saving, spending, investment, planning, and attitude towards debt are described. The scientific novelty of the work lies in the systematic application of transactional analysis framework to build an explanatory model in economic psychology, offering a script-based, rather than correlational, understanding of financial choices. Thus, the model sets a new perspective for research, shifting the question from "what is related?" to "why is it related?". The work opens prospects for the empirical verification of the model and its practical application in differentiated psychological and financial counseling.