Melissa Browne

And I absolutely agree with that.

So it's, as you said, it's both personality, but it's also something that I call your financial phenotype.

So a phenotype in nature is the observable.

And I'm so going to, this is totally my bastardization of the scientific definition of

But it's the observable interaction between nature and nurture in an office business.

But your financial phenotype, I've decided, is that, again, it's your observable interaction between the nature and nurture side of you when it comes to money.

So both your money story and money environment and your money type.

The reason I wrote it is whilst it's nice to know and whilst it's really helpful to know, you're not just doing it to understand more about yourself.

You're doing it so that you can create bespoke habits that are right for you.

And that's where I think it takes it from an interesting concept to one that will revolutionise your finances.

Yeah, it's interesting that you say you use the 50-30-20 because I talk about that in the book as one of the reasons that I don't think they work.

I think a lot of people are searching for that standardised approach.

They want to calorie count their finances.

But what I know is that budgets don't work in the same way diets don't work.

They're super restrictive.

You do it for a period of time.

And then when that really restrictive period of time's over, you just bust out.

And certainly with diets, you put all the weight on and more that you had before.

And I believe there's so much of an analogy between food and money.

So I use that a lot.