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GOBankingRates spoke with financial experts about somecommon bad habits that could affect your money more than tariffs or inflation.

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Procrastinating on building an emergency fund or not setting aside money for retirement can also derail your financial security.

This leads to missed wealth-building opportunities and greater vulnerability during economic downturns, according to Chasin.

The longer this continues, the harder it becomes to break the cycle, said Chasin.

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Lacking Financial Awareness

Another issue is neglecting to track spending or set financial goals.

Without visibility into where money is going, its easy to overspend and under-save.

This lack of awareness leads to reactive rather thanintentional financial decisions, Chasin said.

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