Knowing how to manage our work and money is something we undoubtedly need in order to achieve the success and stability we all desire. Among the habits mentioned, I think that spending more than we earn is very common, which is why it is mentioned first. Another habit that could become a fear is letting opportunities to grow and earn more slip by, something we need to be very observant and perceptive about in order to take advantage of that positive sign that allows us to continue progressing. Having a clear work plan and being consistent is something that can protect us from these enemies you mention in the information.