Know this and you won’t be poor! Financial planners warn of habits you “must quit” in 2025 to stop your wallet from leaking without you knowing.
“Don’t know where the money is going”: Financial planner warns of habits you “must quit” in 2025. A single behavior can make your wallet empty without you knowing it.

New Year, New Habits In 2025, financial planners recommend we stop using easy-to-pay apps on our phones because they make us spend money without thinking, which leaves us with no idea where our money is going, and makes it harder to manage our finances.
Shannon McLay, CEO of US-based financial planning service The Financial Gym, shares the spending habits people should stop by 2025, emphasizing “mindfulness” and the time to remove easy-to-use payment apps from your smartphone that allow you to spend mindlessly with just one click.
“I always say we work very hard to earn every dollar, so we should make it hard to spend it because it’s hard to get into a bank account,” she told The Street . “But it’s so easy for us to spend money on our phones, we spend it on credit cards, on apps, เล่นบาคาร่า UFABET เว็บตรง ค่าคอมสูง and then we never know where it’s gone.”
She says financial professionals “hear all too often” that their clients “have no idea where their money is going.” Many say, “They work for it and it’s gone.” So she encourages people to be financially savvy, even if it can be stressful.
“We often see people who appear to be financially healthy but are anxious,” she says . “And when we’re anxious about something, it becomes something we avoid. We don’t want to delve into the things that are causing our anxiety.” The result is that most people “don’t look” where their money is going.
“So, one of the first steps we would say is to be mindful of where your money is going, whether that’s tracking your expenses on an app or even recording them manually in the Notes app on your phone,” he said . “The process of paying attention to where your money is going is a really good first step.”
Another example of Gen Z who have adopted another smart financial trend is “budgeting out loud” or disclosing financial information. This is another interesting money management behavior in this era and can be a model for people of all generations to follow to plan their own finances as well.
Julie O’Brien, a financial expert and senior vice president of behavioral science at U.S. Bank, said in an interview with Money: “They’re saying there’s no shame or guilt about their financial situation.” “They’re saying out loud that healthy money management is worth more than the unrealistic ideals they see in the media.”