Which influences human development more, heredity (nature) or environment(nurture)?

10. think of a time when you felt that all was going well in your life financially, but then some unusual circumstance happened (i.e. car expense, hospital expense, school expense) that you did not expect which caused you to pay out money when no future income was expected to cover the circumstance. how do you plan for these unexpected expenses in the future? as a manager, how would you prepare for unexpected expenses in a healthcare organization?