Why can two people receive the same financial advice and end up making completely different choices?
The answer may have less to do with how much they know about money—and more to do with how they’re naturally wired.
On Financial Fitness with The Money Doctor, Dr. Frances Rahaim sits down with Hugh Massie, Executive Chairman and Founder of DNA Behavior International, for a thoughtful conversation about the connection between behavior and financial success. Together, they explore how Behavioral DNA can influence the way we make financial decisions, approach risk, build wealth, lead others, and respond to some of life’s biggest choices.
Financial knowledge is important, but knowing what to do doesn’t always mean we’ll actually do it. Our habits, preferences, comfort with risk, and decision-making styles can all shape the financial choices we make—sometimes in ways we don’t even recognize.
That’s where self-awareness can make a difference.
Dr. Rahaim and Massie discuss how understanding your natural decision-making style may help uncover financial blind spots before they turn into costly mistakes. They also look at why there isn’t necessarily one perfect approach to investing, wealth creation, leadership, or financial planning. What works well for one person may not work nearly as well for another.
Whether you’re an investor, business owner, financial professional, or simply someone who wants to make wiser choices with money, this episode offers a valuable reminder: financial wellness isn’t just about the numbers. It’s also about understanding yourself.
In this episode:
- What Behavioral DNA really means
- Why financial knowledge alone may not be enough
- How behavior can influence investing and wealth creation
- How to recognize financial blind spots
- Using self-awareness to improve financial decisions
- The relationship between leadership, risk, and decision-making
- Practical ways to better understand your own financial behavior
The goal isn’t to change who you are. It’s to better understand how you operate—so you can make financial choices with greater confidence, intention, and awareness.

