1: "Skipping Budgeting"

2: "Ignoring Saving Goals"

3: "Impulse Spending"

4: "Avoiding Investments"

5: "Disregarding Debt Management"

6: "Short-Term Financial Decisions"

7: "Lacking Financial Education"

8: "Neglecting Retirement Planning"

9: "Failing to Prioritize Financial Health"

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