<prompt> Human: Or is it inherit based on life lessons and behaviors.The reason I ask this is that I think about obesity. And I think you could sit a bunch of people down and explain the value of exercise, and proper nutrition, and even create a meal plan and exercise routine.But, in the end, the majority of us are still going to eat junk, and exercise Tommorrow. I feel the same way when I try to explain PF to someone, save this and dont spend on that, and they all agree and promise they will. But very few follow through.At first I thought it was Becuase they were lacking in knowledge, but I am beginning to think it is strictly behavioral and that all the tips, lessons, articles wont help a bit.  <response>: Do you think personal finace can be taughtlearned?Yes. People need to want to be taught though. 