I’ve had a lot of fun over the last year going through my family’s genealogy. Digging into rumors and fact, old documents and family stories (Spoiler alert: I was lied to as a child, and we are not, alas, illicit descendants of Queen Victoria). And as I’ve done that and have seen some of the struggles that my ancestors overcame, I’m struck by how much my financial heritage—my financial DNA, so to speak—influences my life now.