所有资金都存在一个活期存款账户上。
1. Keeping all of your money in a checking account.
以为现在开始就为将来投资，还为时过早或已经为时已晚！
2. Assuming that you’re too young (or too old!) to start investing for the future.
冲动购物——你该试着只买必需品了。
3. Impulse shopping — you should learn to buy what you actually need.
向父母伸手要钱。
4. Asking parents for money.
该加薪时羞于启齿。
5. Not asking for a raise when you deserve one.
等待结婚后再开始理财计划。
6. Waiting to start your financial planning until after you’re married.
觉得投资相当枯燥。
7. Thinking that investing can only be boring.
刷卡消费时不看账单金额多少。
8. Paying your credit card without checking the charges on the bill.
对自己的开支没有明确的概念：什么是你能够承受的，什么又是你负担不起的；何时可以稍微奢侈一回，何时又必须得缩紧腰包。
9. Not having a firm grasp of your budget: what you can afford, what you can’t, when you can afford to splurge a little, and when you need to save for a while.
为不紧急的事情动用应急资金。（没衣服可穿不是什么大不了的事情吧！）
10. Dipping into an emergency fund for non-emergencies (having nothing to wear is not an emergency!)
任何事情都得支付滞纳金。
11. Paying late fees — on anything.
没有从每笔薪酬中自动扣除一定金额用以存款的习惯。
12. Not saving a set amount automatically out of every paycheck.
以为别人最了解自己的资金。
13. Assuming others know best when it comes to your money.
以为男人比女人更会投资理财。
14. Assuming that men are better at investing than women.
无视优惠券。优惠券有优惠券的好处，你懂的。
15. Ignoring coupons. They exist for a reason, you know.