There was a swedish study by Stephen Siegel in which 15,000 twins were studied. For those who don't know, twins have identical genetic. In any case, some of the twins were split apart and put into different environements. Often the case was one of the two was in an environement with bad parenting and the other was under good parenting. The bad parenting didn't provide an environment that encouraged good saving habits while good parenting did provide great environment to develop good habits. While the twin under good parenting had better financial behaviors in their 20s, the difference became negligible by the 40s. Essentially the twins ended up with the same spending habits their genetics predisposed them to.
A similar study in mice revealed that there is a gene that causes laziness. Mice without the gene were less lazy than those with it. It can go to show work ethic may in fact be genetic too. People argue IQ may be genetic but a student still can control their work ethic, but I guess students really can't control either.
It can be said one's success in life can be predicted by a genetic test once we find out which genes result in which behaviors. Therefore if one day you want your children to save money, marry a partner who has good financial habits rather than fruitlessly teach them good habits they are biologically meant to forget.
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