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Chapter 5
Most money problems are not caused by one big error but by small, repeated ones. Here's how to spot them early.

Why we buy on impulse, how stores and apps encourage it, and practical ways to stop unplanned purchases.

How rising income can lead to rising spending, why it keeps people stuck, and how to grow wealth as your income grows.

Overdraft fees, ATM fees, high fund expense ratios and subscription traps: how small fees add up and how to avoid them.

Common money scams, including impostors, fake investments, romance and payment-app scams, and the warning signs that protect you.

Why get-rich-quick schemes fail, how hype and fear of missing out drive bad decisions, and what builds wealth instead.
Free credit scores, budgeting tools and comparisons of cards, loans and savings accounts.
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