No Emergency Fund
Failing to build an emergency fund leaves you vulnerable to unexpected expenses, leading to debt and drained savings.

Living Paycheck to Paycheck
Spending every dollar earned without saving leads to no financial cushion for future needs or sudden expenses.

Ignoring Retirement Savings
Not prioritizing retirement savings early means missing out on compounding interest, putting future security at risk.

Not Using 401(k) Match
Failing to take advantage of employer 401(k) matching is like leaving free money on the table for your retirement.

Overreliance on Overtime
Relying on inconsistent overtime for financial stability creates unpredictable income, making budgeting difficult.

High-Interest Debt
Carrying high-interest credit card or loan debt eats away at your income and limits your ability to save for the future.

Avoiding Financial Planning
Lack of financial planning leads to unpreparedness for major expenses and long-term financial goals.

No Health Insurance
Going without health insurance leaves you exposed to medical costs that can wipe out your savings unexpectedly.

Impulse Spending
Making spontaneous purchases without budgeting leads to overspending and can quickly erode hard-earned savings.