![Man looking into empty wallet](https://www.moneytalksnews.com/workers/images/width=1920/wp-content/uploads/2021/01/01110038/shutterstock_2196557211-scaled.jpg?s=33960db533bb2c96c7cf99238d92950580c75b3ea1b0a030fea6a6e0ad7b908a)
Money problems rarely happen all at once. More often, they build over time—small mistakes turning into big financial setbacks. You might think you’re making reasonable choices, but before you know it, you’re struggling to keep up with bills, watching your savings shrink, or dealing with unexpected expenses that throw everything off balance. From overlooked risks to common misjudgments…