I grew up in Ramallah, Palestine, where my father owned a bread run and grocery store. Dad was charming, passionate and full of charisma. But he was in deep financial trouble.  

Although Dad had built a successful bread run and was good at making money, he would spend it. After the bread run he would go and entertain customers or hang out with friends.  He had entrusted his grocery store to a friend to manage, but money was going missing. Dad had to use profits from the bread run to keep the store afloat. Our family’s debts grew out of control.


Meanwhile, my mother was busy looking after her five small children. She helped Dad as much as she could, doing the bookkeeping and cash counting at night. I remember my parents always fighting over money. “Where is the money and where did you spend it?” my mother would ask. Dad was always short paying the bread bills. Something needed to change. 


I was six years old when I met Eli Mahlab, my Dad’s Jewish Israeli friend. Eli knew Dad was in financial trouble. Concerned for our family, he drove from Jerusalem to Ramallah to give my parents his business and financial advice. I eavesdropped on their discussion while I pretended to play in the shop – my first unofficial business meeting!

Eli said to Dad: “Victor, you are good at making money and bringing the sales in. But you are not good at managing the money. You need to get your wife involved in the business so that she manages the finances because she is good at it and you're not.”

Eli turned to Mum and said, “Sue, you’re good with managing money. You need to step up and take control of the business finances before it collapses.”

What Eli proposed was revolutionary: empower the woman to do what she does best – manage the money. This was 1975 – not 2017! And this was Ramallah – not Sydney! This was a time when a woman’s place was in the home. How did my parents react to Eli’s advice? They debated all week!


Despite their fears, my parents joined forces with Eli. They became what I call the “Winner Partnership team”: my Dad, the Money Maker; my Mum, the Money Manager; and Eli, the Money Mentor. Each brought a different skill to the team.

With Eli’s guidance, my dad got better with managing money and my mum got better with making money.  Together my parents built two successful businesses and paid off their debts. They also bought a new truck for the bread run, built a beautiful three-storey house and saved enough money to send me and my siblings to private schools.  They both became Maker Managers, proactive with making and managing money.

While writing my book, Money Intelligence®, I realised that this story was worth sharing not only because it’s an inspiring story of love and peace during an occupation. It’s worth sharing because it’s a story of how we can improve the human condition. It is important to know what we are like with money.  It is like a fish in water, there is water all around, so water just is.  It is the same with us, money is all around and sometimes we can't see our own money habits, until someone shows it to us.  Then a whole new world opens up, because you start to see how that habit influences every area of your life.


People often struggle in their careers because they don’t know their Money Type. Employers are also unaware of how their employees’ Money Type impacts their performance. How many skilled technicians end up struggling in managerial jobs? As one software engineer client told me, “I just want to go back to coding. I don’t want the extra money for a title. I don’t want to spend hours in meetings. I hate dealing with people!”

Understanding your MQ Type is key to knowing your financial strength. It also means you can meaningfully contribute to the company you work for.

When organisations understand MQ Types, they can maximise their return on investment. This is because they know how to choose the “right person” for the job. If people are not happy with who they are and what they do, they will not realise their full potential – and neither will the organisation.

How much unrealised potential do you have? How much money are you missing out on?


If you’re a Money Maker, you’re bringing in the money. But could you improve your skills to grow your career and/or business sales? Do you have a partner who is good at managing the money you make? Or do you have a financial adviser who can help?

If you’re a Money Manager, you’re managing the money you earn. But do you know where to invest it and how to build it? Have you joined forces with your business/life partner to grow your wealth?

Start building your career/business and personal wealth today.  Find out your MQ Type and learn the smartest ways to make and manage money to improve your MQ (Money Intelligence®). Visit: 

If you got value from this article please share it with others.  Get your partner to do the MQ Type Assessment because you need to complement each others money type as my parents did.  Join me on the mission to help raise the financial literacy (MQ) of fellow Australian's.


Susan Wahhab —CPA, SMSF Specialist, Entrepreneur, Working Mum, Small Business Supporter— is Australia’s leading Financial Strategist and Money Mentor. Susan is the Founder and Managing Director of Accounting firm Winner Partnership Pty Ltd and Financial Planning firm Money Intelligence Finance Pty Ltd 

Susan is the author of the transformational and practical book Money Intelligence®. Susan is passionate about helping people achieve financial security. She truly believes that people can become financially independent by developing a healthy relationship with money. Buy the book in either printed copy or eBook on SHOPIFY and raise your Money Intelligence (MQ) 

If you’d like to learn how to increase your money intelligence (MQ), consider taking the free online MQ Type Assessment. Your Assessment results will pinpoint what you need to do next to increase your MQ