The habits could be not having a proper financial plan. Financial planning is must for everyone and one should have a financial plan in place at the early age itself. The other thing is not doing the budgeting, the most common thing to not do budgeting is lack of savings, less financial security which leads to more financial stress. And having over-debt beyond our debt serving ability and overspending on non productive assets and mainly not planning taxes. The major thing is not planning for retirement. See, to have a secured retirement life one has to start creating retirement corpus at the early age itself. Probably, these habits may stand as an obstacle for financial freedom.
