Observing the movement of the sun, one can guess the time. Just looking at the position of the sun without any knowledge of the past database, there is no point in guessing. The point is crystal clear that implying witnessing the present moment we can decipher the message that one aspired to grab from it. Here, I am trying to build a point that, knowing the present time we can make a decision, we need to have past knowledge too. 

This is why when I am saying that our wallet reflects us doesn't mean that you have $100 in your wallet and we conclude it based on that hundred dollars.  I mean the whimsical nature of the funds in wallets is what reflects self.

From here we begin our journey with the number of wallets that we possess. Suppose: 

• ONE wallet:  such people are more oriented to the goals. Their priority is to achieve the target. They always bypass or boycott unnecessary things. They know what is important in life.
• MORE THAN TWO WALLETS:  Such people are more worried about the future, safer players. They build plans for everything. They want to grab the opportunities whatever cones are in their way. They feel that the past is to learn to not do mistakes and be more focused on to present and future.

When someone has a wallet to accumulate the funds. Now three things happen with the total sum.

• IF THE SUM REMAINS UNTOUCHED:  One fact always works with everybody that one can live without earnings but without expenditure, no one can survive. If the funds are constant, then he or she must be dependent on someone, maybe on a partner, partners, children etc. Such a persona is an ambivert. They act with time. And lazy people fall into this category.
• IF THE SUM IS IN DESCENDING MANNER: In addition to some interval, if the sum is declining means the person is more responsible.  Such people are introverts, they are emotional ones. They feel that time is the strongest force in this life. So sometimes, we see people advising on the mistakes that people are doing they belong to this category. 
• IF THE WALLET FUNDS ARE RISING: Such people know the importance of time, so they give more emphasis to acting at the right time. Later one focused on mistakes while this one goes with time. These kinds of people are independent ones. More extroverted, not guided by emotions but through logic.

While we all are the same if we see the composition of the body, we differ in what makes our behaviours.  And such behaviours are judged by our possessions. And the wallet is one of them, this is why the wallet reflects us.

 (While you may find some objections with me, it's okay that is your point, what am I saying is based on my experiences and finding out. The above doesn't have anything to do with other authors and books, it is purely based on my views, opinions and I hold myself accountable for it)

Thank you_