10 nasty money habits to break

• Spending without a budget.
  
• Carrying a balance on credit cards.
  
• Ignoring interest rates.
  
• Not investigating disability insurance.
  
• Failing to see how little purchases add up.
  
• Not matching employer's contribution to retirement.
  
• Waiting until the last minute to fund IRA.
  
• Paying everyone else, saving "what's left."
  
• Not managing your investments.
  
• Getting emotional about your investments.

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