Americans seems to be some of the most efficient over-spenders in the world. And can you blame us? We're bombarded with messages about luxury goods all day long while getting handed a little card that let's us spend and spend without having to worry about the bill until much later. Today, I'll go through the top three worst money habits that are keeping you from living a happier, richer life. How many are you getting tricked into? It's not to late to make better decisions about how you spend (or save).

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