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As a teenager, I had a part-time job that was already mundane and dreadful enough, but then Kelly P. was hired. For whatever reason, Kelly and I were instantly repelled by each other. She thought I was too dorky to bear; I found her voice impossibly grating. All it took was one shift. One evening, Kelly and I were stuck together. Alone. For five hours.
It’s been several months now that I’ve been on a savings lockdown. It’s been going well, except for this past weekend, when I had a relapse. I over-splurged on everything — food, shopping, beer — and I’m officially hungover. My buzz started when a client check came early, making me feel super rich and burning the hell out of my pockets.
If you read financial books and magazines, visit financial websites and watch money-focused TV, you’ll come to the conclusion that managing money is complicated. The issues associated with handling money are vast, technical and can’t possibly be accomplished by the average person. At least that’s what they’d have you believe.
If you’ve been making excuses for your lack of financial resolve, science may have your back: Believe it or not, researchers have identified a gene that could determine whether you’re good or bad with money. Specifically, the discovery has to do with self-control — or how some people are better able to resist temptation to make sound financial decisions.