Human Trade Theory
Human Trade Theory · Dan Holbrook

You don’t make choices. You make trades.

Every yes costs you something: an evening, an opinion, a little of your health, a lot of your attention. What are you trading your life for, and is it worth the price?

Free65 statements, about 12 minutesResults on screen right awayNo sign-up needed
A balance scale weighing what you give against what you get I GIVE I GET

Is it worth the price?

Example Trade Signature

Toward Against Away

Often trades

Everyone carries all nine patterns. Your signature names the two you reach for first.

The idea

What are you trading your life for?

Take the late night at the office. It looks like a choice. Underneath, it is a trade: your evening for the feeling of being needed, or safe, or a step ahead. Saying yes to one more committee is a trade. So is the argument you let slide to keep dinner quiet, and the hour you lose to your phone after a hard day.

Human Trade Theory keeps these deals in a ledger. One column holds what you pay: your time, your health, your money, your honesty. The other holds what you get back, and it has two layers. There is the practical return, like the paycheck or the quiet evening. Beneath it is the emotional one, the thing you were really after: love, approval, belonging, safety, control. Most of us never read the ledger, so we go on paying prices we would never agree to out loud.

Some entries go back a long way, to the house you grew up in and the rules you learned there. Others began with a first job, a marriage or a loss. Wherever they started, a ledger you can see is a ledger you can change.

A typical ledger Trades made on autopilot
What I giveWhat I getWhat I’m really buying
My eveningsA bigger paycheckreally buyingFeeling safe
My healthGetting it all donereally buyingBeing needed
What I really thinkKeeping the peacereally buyingBelonging
Time with my familyLooking successfulreally buyingApproval
My attentionA break from my thoughtsreally buyingRelief from pain
AdventureA steady routinereally buyingCertainty
My own plansSaying yes to everyonereally buyingBeing loved

On the surface the trade is practical: time for money, health for productivity. Underneath, you are almost always buying something you feel. That is why the trade is so hard to stop.

One ordinary Tuesday

Every day comes with a receipt. Most of us never read it.

Nothing on this list looks like a big decision. That is the point. The biggest trades in a life are made a few minutes at a time, on days that feel like any other.

Add them up over a year, or twenty, and they become the life you are living.

The currency you cannot earn back

How many weekends do you have left?

1,820weekends left, if you live to 80

What are you trading them for?

Each dot is one weekend. A full row is one year. Nothing you enter here leaves your device.

Already tradedThis yearStill yours to spend
The other side of the ledger

What could you be getting in return?

You will never stop trading, and you will never stop needing love, safety and a place to belong. The point is to pay for them on purpose, with trades that give you the real thing back.

What we pay with
TimeHealthMoneyEnergyAttentionHonestySleep
What we are really buying
LoveApprovalBelongingSafetyControlPowerFreedomCertaintyIdentity

Your time

Now it buys

Late nights for the boss’s approval

It could buy

Evenings that belong to you and the people you love

Your honesty

Now it buys

Keeping the peace, to stay loved

It could buy

Relationships strong enough to hold the truth

Your energy

Now it buys

Doing it all yourself, to feel safe

It could buy

Room to rest, and to let other people carry some of the load

Your attention

Now it buys

A screen, for relief from what hurts

It could buy

Being there for the life right in front of you

Where the trades live

Roots, trunk and branches

Your trades run through you as well as between you and other people. They connect the life you were handed, the life you are living and the life you want.

BRANCHES TRUNK ROOTS
Branches

Who you want to become

The person you are reaching toward. The distance between trunk and branches is what the Alignment Check measures.

Trunk

Who you are now

The life you are actually living, and the trades you make every day to keep it standing.

Roots

Who you were raised to be

The rules, roles and expectations you inherited. Some still feed you. Some you have outgrown and still obey.

Three directions, nine patterns

When life gets uncomfortable, which way do you move?

Under pressure, everyone reaches for a favorite trade. Some of us move toward people, some push against them and some step away. Each pattern spends your life to buy one currency above the others.

TOWARD AGAINST AWAY under pressure YOU
Where do you go?

When life gets hard, you move.

Everyone moves in all three directions. Most of us have a favorite, and it shapes the trades we make.

Toward

Buying love and belonging

You pay with pieces of yourself to stay close.

  • PerformerApproval
  • PleaserLove
  • PeacemakerBelonging

Left unchecked: the Hostage Trade.

Against

Buying safety and control

You take charge so nothing can catch you off guard.

  • ProtectorSafety
  • ControllerControl
  • AchieverPower

Left unchecked: the Debt Collector Trade.

Away

Buying freedom from pain

You keep your distance so nothing can reach you.

  • EscaperAutonomy
  • ObserverCertainty
  • RebelIdentity

Left unchecked: the Addict Trade.

The quiz

What you will see when you finish

01

Your Trade Signature

Named for your two strongest patterns, with the currency each one buys and what it costs you.

02

All nine patterns

How your trades divide across the nine patterns and three directions, as percentages that add to 100.

03

Your ledger story

A plain account of how your patterns work together, what they are costing you and where they tend to lead.

04

Your place on the cross

A map of how much of your life runs on inherited trades versus chosen ones. Mark where you want to be and retake it to watch your point move.

Optional

The Alignment Check

How far the life you are living is from the life you want, across twelve currencies and ten qualities, with a 90-day plan to close the gap.

Optional

Your board of directors

Meet the younger selves who still vote on your decisions, and see how their rules show up in your life today.

Start the quiz → Print or save your results as a PDF when you are done.

“We never stop trading. The only question is whether we do it awake.”

Human Trade Theory
Work with Dan

Take the work further

Coaching

One-on-one sessions that start from your Trade Signature and work through your ledger, one trade at a time.

Speaking

Talks and workshops for teams and organizations on the trades that quietly shape how people work and lead.

The podcast

Conversations about the deals we make with ourselves and each other, and what it takes to rewrite them.

About

Dan Holbrook

Dan Holbrook is the creator of Human Trade Theory, a way of seeing the unspoken deals we make with our time, our energy and our lives, and the author of the forthcoming book of the same name. He coaches, speaks and hosts conversations about how people can notice the trades they make and choose better ones.

Questions

Before you begin

Is this a personality test?

It is a reflection tool, not a clinical assessment or a diagnosis. It draws on long-standing ideas in psychology, including Karen Horney’s three movements toward, against and away from people, attachment theory and schema therapy, and puts them in the language of trades and ledgers.

How long does it take?

The main quiz is 65 statements and takes about twelve minutes. The Alignment Check and the board of directors are optional and take about twelve minutes each.

What happens to my answers?

Your answers stay in your own browser. Nothing is sent anywhere unless you choose to email yourself your results, and even then only your summary scores are sent. Your written notes and your board of directors never leave your device.

Can I stop and come back?

Yes. The quiz remembers where you left off on the same device and browser.

Should I retake it?

Yes. Your trades change as your life changes. Retake it in a few months and the cross will show how far your point has moved.

What if it brings up something hard?

Go gently, and stop whenever you need to. Talk with someone you trust or a counselor. In the US you can call or text 988 at any hour.

Human Trade Theory

A reflection tool, not a psychological assessment. If you are struggling, talk with someone you trust. In the US, call or text 988 at any hour.

© 2026 Dan Holbrook. All rights reserved.