Is there such a thing as financial DNA

So, are rich people born or made? Is there such a thing as financial DNA? That's one of the questions that has always fascinated me, after all, I once worried that I might not "have it in me" to be rich. After much research, my current belief is that becoming rich is a skill that is learned. The lessons in the book "The Richest Man in Babylon", make it clear that people must learn to be rich. There is no financial DNA in the human body, so you have to create your own via study and practice.

An example I always think about in the nature versus nurture debate, is that of  footballer Shaun Wright Phillips.

A tale of 2 footballers:
Ian Wright is a successful ex British footballer. He has an adopted son, Shaun Wright Phillips. Everyone said that Shaun was too short to play football succesfully, but now he plays on the England Football team, which is the highest recognition of skill. Why? Because Ian Wright trained him. He nurtured him. This proves that anyone can achieve fantastic things, no matter what their genetics, when they put the work in.

In contrast, George Best is regarded as one of the top ten footballers of all time. He has a son Calum Best who was completely useless at football because he couldn't be bothered to put the effort in, and has made his living to date from reality shows and living off his fathers name. Calum should have become a world class footballer, but is seen by the English media as merely a waster. He proves that his so called natural birthright  of inherited talent is meaningless, without nuture via training.

Conclusion:
Making money is the same process of nurture over nature. The book "The Millionaire Mind", by Thomas Stanley makes it clear that you have to put the work in, in order to get wealthy. Other books which I want to read on this topic are Outliers by Malcolm Gladwell and Talent is Overrated by Geoff Colvin.