The article deals with the value-based vector of psycho-philosophical understanding of the money phenomenon and its role in modern society. Developing Georg Simmel‟s ideas, money is considered not only as a solely economic phenomenon but also as a social one. Money originates from the world‟s cultural development with the gradual formation of money culture as a space of economic and social interaction. The nature of the individual‟s economic activity, values, and life orientations are formed under the influence of the money culture of a particular historical period. Modern money culture is usually called a financial civilisation. The article examines the features of modern money culture and identifies its main features and problems. The article analyses the issue of the constructive and destructive attitude of the individual to money via a description of the personality typology based on clinical observations and interpreted through the prism of psychoanalytic theory. The study highlights the concept of money from the point of view of a socio-psychological approach. It also discusses the theoretical foundations of the influence money has on the decision-making process and human behaviour.

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